Home > Chemical Bank > Performance and Condition Ratios
Chemical Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 3,190 |
| Cost of funding earning assets | 1.0913% | 1,333 |
| Net interest margin | 3.3562% | 4,015 |
| Noninterest income to average assets | 0.5259% | 2,535 |
| Noninterest expense to average assets | 1.8774% | 4,781 |
| Loan and lease loss provision to assets | 0.0873% | 2,097 |
| Net operating income to assets | 1.2832% | 1,842 |
| Return on assets (ROA) | 1.3150% | 1,779 |
| Pretax return on assets | 1.6009% | 1,548 |
| Return on Equity (ROE) | 9.9829% | 2,395 |
| Retained earnings to average equity (ytd only) | 6.5161% | 2,044 |
| Net charge-offs to loans | 0.0461% | 1,991 |
| Credit loss provision to net charge-offs | 267.2163% | 969 |
| Earnings coverage of net charge-offs (x) | 50.4723% | 1,085 |
| Efficiency ratio | 52.5276% | 4,613 |
| Assets per employee ($millions) | 7.1189% | 946 |
| Cash dividends to net income (ytd only)* | 34.7275% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 4,647 |
| Loan loss allowance to noncurrent loans | 100.3644% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 2,271 |
| Noncurrent loans to loans | 0.7269% | 2,175 |
| Net loans and leases to total assets | 70.2528% | 2,495 |
| Net loans and leases to deposits | 99.2361% | 737 |
| Net loans and leases to core deposits | 118.1090% | 598 |
| Total domestic deposits to total assets | 70.7936% | 5,022 |
| Equity capital to assets | 13.1130% | 1,536 |
| Core capital (leverage) ratio | 8.6823% | 4,860 |
| Tier 1 risk-based capital ratio | 10.6315% | 5,059 |
| Total risk-based capital ratio | 11.3494% | 5,151 |
| Memoranda: | ||
| Average total assets | $21,897,147,330 | 81 |
| Average earning assets | $19,579,247,000 | 80 |
| Average equity | $2,884,479,330 | 74 |
| Average total loans | $15,532,438,000 | 76 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 3,113 |
| Cost of funding earning assets | 1.0533% | 1,367 |
| Net interest margin | 3.3779% | 3,945 |
| Noninterest income to average assets | 0.4546% | 2,829 |
| Noninterest expense to average assets | 1.8667% | 4,839 |
| Loan and lease loss provision to assets | 0.0381% | 2,864 |
| Net operating income to assets | 1.2864% | 1,750 |
| Return on assets (ROA) | 1.2878% | 1,785 |
| Pretax return on assets | 1.5698% | 1,547 |
| Return on Equity (ROE) | 9.7528% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.2491% | 2,343 |
| Net charge-offs to loans | 0.0458% | 1,623 |
| Credit loss provision to net charge-offs | 117.0551% | 1,433 |
| Earnings coverage of net charge-offs (x) | 49.3491% | 1,037 |
| Efficiency ratio | 53.0240% | 4,615 |
| Assets per employee ($millions) | 7.0319% | 991 |
| Cash dividends to net income (ytd only)* | 35.9252% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 4,741 |
| Loan loss allowance to noncurrent loans | 98.9298% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 2,315 |
| Noncurrent loans to loans | 0.7263% | 2,205 |
| Net loans and leases to total assets | 69.9896% | 2,484 |
| Net loans and leases to deposits | 94.7382% | 1,084 |
| Net loans and leases to core deposits | 112.2542% | 819 |
| Total domestic deposits to total assets | 73.8768% | 4,944 |
| Equity capital to assets | 13.2642% | 1,309 |
| Core capital (leverage) ratio | 8.6270% | 4,930 |
| Tier 1 risk-based capital ratio | 10.8680% | 5,037 |
| Total risk-based capital ratio | 11.5940% | 5,143 |
| Memoranda: | ||
| Average total assets | $21,615,597,500 | 83 |
| Average earning assets | $19,315,071,500 | 82 |
| Average equity | $2,854,116,000 | 75 |
| Average total loans | $15,351,196,000 | 77 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 3,095 |
| Cost of funding earning assets | 0.7883% | 1,587 |
| Net interest margin | 3.5166% | 3,648 |
| Noninterest income to average assets | 0.7172% | 1,783 |
| Noninterest expense to average assets | 2.0059% | 4,740 |
| Loan and lease loss provision to assets | 0.1514% | 1,399 |
| Net operating income to assets | 1.4533% | 1,263 |
| Return on assets (ROA) | 1.4542% | 1,250 |
| Pretax return on assets | 1.6824% | 1,210 |
| Return on Equity (ROE) | 10.7465% | 2,185 |
| Retained earnings to average equity (ytd only) | 6.5869% | 1,874 |
| Net charge-offs to loans | 0.0863% | 1,916 |
| Credit loss provision to net charge-offs | 243.0254% | 1,217 |
| Earnings coverage of net charge-offs (x) | 29.4148% | 1,623 |
| Efficiency ratio | 51.5218% | 4,836 |
| Assets per employee ($millions) | 6.8850% | 1,028 |
| Cash dividends to net income (ytd only)* | 38.7061% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 4,768 |
| Loan loss allowance to noncurrent loans | 97.9002% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 2,279 |
| Noncurrent loans to loans | 0.7316% | 2,162 |
| Net loans and leases to total assets | 71.0370% | 2,414 |
| Net loans and leases to deposits | 97.6928% | 926 |
| Net loans and leases to core deposits | 115.0755% | 732 |
| Total domestic deposits to total assets | 72.7147% | 5,028 |
| Equity capital to assets | 13.1429% | 1,279 |
| Core capital (leverage) ratio | 8.6279% | 4,937 |
| Tier 1 risk-based capital ratio | 10.6343% | 5,131 |
| Total risk-based capital ratio | 11.3626% | 5,223 |
| Memoranda: | ||
| Average total assets | $20,307,243,400 | 86 |
| Average earning assets | $18,025,025,600 | 84 |
| Average equity | $2,747,895,200 | 76 |
| Average total loans | $14,665,824,400 | 78 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 3,142 |
| Cost of funding earning assets | 0.7195% | 1,750 |
| Net interest margin | 3.5331% | 3,583 |
| Noninterest income to average assets | 0.7537% | 1,659 |
| Noninterest expense to average assets | 2.0158% | 4,710 |
| Loan and lease loss provision to assets | 0.1456% | 1,364 |
| Net operating income to assets | 1.4532% | 1,316 |
| Return on assets (ROA) | 1.4532% | 1,316 |
| Pretax return on assets | 1.7235% | 1,220 |
| Return on Equity (ROE) | 10.6570% | 2,321 |
| Retained earnings to average equity (ytd only) | 6.5395% | 2,366 |
| Net charge-offs to loans | 0.0893% | 1,614 |
| Credit loss provision to net charge-offs | 225.2731% | 1,270 |
| Earnings coverage of net charge-offs (x) | 28.9252% | 1,647 |
| Efficiency ratio | 51.1529% | 4,873 |
| Assets per employee ($millions) | 6.8034% | 1,018 |
| Cash dividends to net income (ytd only)* | 38.6368% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 4,880 |
| Loan loss allowance to noncurrent loans | 82.8016% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 2,197 |
| Noncurrent loans to loans | 0.8439% | 2,019 |
| Net loans and leases to total assets | 70.8610% | 2,521 |
| Net loans and leases to deposits | 95.6896% | 1,190 |
| Net loans and leases to core deposits | 112.3503% | 898 |
| Total domestic deposits to total assets | 74.0530% | 4,974 |
| Equity capital to assets | 13.3080% | 1,208 |
| Core capital (leverage) ratio | 8.6013% | 5,030 |
| Tier 1 risk-based capital ratio | 10.8431% | 5,104 |
| Total risk-based capital ratio | 11.5724% | 5,210 |
| Memoranda: | ||
| Average total assets | $20,018,956,000 | 86 |
| Average earning assets | $17,741,765,000 | 85 |
| Average equity | $2,729,739,000 | 76 |
| Average total loans | $14,493,578,250 | 78 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,099 |
| Cost of funding earning assets | 0.6542% | 1,905 |
| Net interest margin | 3.5493% | 3,471 |
| Noninterest income to average assets | 0.7811% | 1,534 |
| Noninterest expense to average assets | 2.0109% | 4,780 |
| Loan and lease loss provision to assets | 0.1604% | 1,162 |
| Net operating income to assets | 1.4658% | 1,240 |
| Return on assets (ROA) | 1.4657% | 1,242 |
| Pretax return on assets | 1.7542% | 1,086 |
| Return on Equity (ROE) | 10.6588% | 2,250 |
| Retained earnings to average equity (ytd only) | 7.7112% | 1,751 |
| Net charge-offs to loans | 0.1072% | 1,292 |
| Credit loss provision to net charge-offs | 205.5584% | 1,282 |
| Earnings coverage of net charge-offs (x) | 24.5378% | 1,675 |
| Efficiency ratio | 50.4867% | 4,998 |
| Assets per employee ($millions) | 6.3537% | 1,239 |
| Cash dividends to net income (ytd only)* | 27.6545% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6838% | 4,975 |
| Loan loss allowance to noncurrent loans | 94.6708% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,470 |
| Noncurrent loans to loans | 0.7223% | 2,306 |
| Net loans and leases to total assets | 71.7389% | 2,316 |
| Net loans and leases to deposits | 99.7358% | 823 |
| Net loans and leases to core deposits | 119.4094% | 578 |
| Total domestic deposits to total assets | 71.9289% | 5,191 |
| Equity capital to assets | 13.6199% | 1,061 |
| Core capital (leverage) ratio | 8.6599% | 4,987 |
| Tier 1 risk-based capital ratio | 10.6910% | 5,195 |
| Total risk-based capital ratio | 11.4037% | 5,318 |
| Memoranda: | ||
| Average total assets | $19,736,566,000 | 87 |
| Average earning assets | $17,485,569,000 | 86 |
| Average equity | $2,714,033,000 | 77 |
| Average total loans | $14,361,441,670 | 79 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 3,139 |
| Cost of funding earning assets | 0.5948% | 2,091 |
| Net interest margin | 3.5317% | 3,419 |
| Noninterest income to average assets | 0.8150% | 1,402 |
| Noninterest expense to average assets | 2.0533% | 4,748 |
| Loan and lease loss provision to assets | 0.1285% | 1,470 |
| Net operating income to assets | 1.4614% | 1,170 |
| Return on assets (ROA) | 1.4612% | 1,175 |
| Pretax return on assets | 1.7598% | 983 |
| Return on Equity (ROE) | 10.5730% | 2,139 |
| Retained earnings to average equity (ytd only) | 7.6014% | 1,990 |
| Net charge-offs to loans | 0.0950% | 1,226 |
| Credit loss provision to net charge-offs | 185.0340% | 1,097 |
| Earnings coverage of net charge-offs (x) | 27.2032% | 1,301 |
| Efficiency ratio | 51.3398% | 5,004 |
| Assets per employee ($millions) | 6.5181% | 1,190 |
| Cash dividends to net income (ytd only)* | 28.1061% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 5,088 |
| Loan loss allowance to noncurrent loans | 94.9386% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 2,524 |
| Noncurrent loans to loans | 0.7004% | 2,458 |
| Net loans and leases to total assets | 71.7698% | 2,209 |
| Net loans and leases to deposits | 101.2492% | 627 |
| Net loans and leases to core deposits | 117.8599% | 657 |
| Total domestic deposits to total assets | 70.8843% | 5,336 |
| Equity capital to assets | 13.7436% | 968 |
| Core capital (leverage) ratio | 8.5049% | 5,137 |
| Tier 1 risk-based capital ratio | 10.4883% | 5,353 |
| Total risk-based capital ratio | 11.1826% | 5,463 |
| Memoranda: | ||
| Average total assets | $19,480,265,000 | 88 |
| Average earning assets | $17,247,525,500 | 87 |
| Average equity | $2,692,090,500 | 78 |
| Average total loans | $14,228,891,500 | 80 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 3,703 |
| Cost of funding earning assets | 0.4421% | 2,857 |
| Net interest margin | 3.4644% | 3,642 |
| Noninterest income to average assets | 0.8073% | 1,541 |
| Noninterest expense to average assets | 2.1502% | 4,649 |
| Loan and lease loss provision to assets | 0.1264% | 1,809 |
| Net operating income to assets | 0.9085% | 2,662 |
| Return on assets (ROA) | 0.8829% | 2,826 |
| Pretax return on assets | 1.5325% | 1,515 |
| Return on Equity (ROE) | 6.1178% | 3,709 |
| Retained earnings to average equity (ytd only) | -0.0866% | 5,044 |
| Net charge-offs to loans | 0.0709% | 2,436 |
| Credit loss provision to net charge-offs | 240.6776% | 1,150 |
| Earnings coverage of net charge-offs (x) | 32.3421% | 1,468 |
| Efficiency ratio | 55.0020% | 4,862 |
| Assets per employee ($millions) | 6.3910% | 1,273 |
| Cash dividends to net income (ytd only)* | 101.4149% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 5,163 |
| Loan loss allowance to noncurrent loans | 94.8031% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 2,507 |
| Noncurrent loans to loans | 0.6822% | 2,506 |
| Net loans and leases to total assets | 73.3774% | 2,031 |
| Net loans and leases to deposits | 103.4202% | 520 |
| Net loans and leases to core deposits | 118.5727% | 629 |
| Total domestic deposits to total assets | 70.9507% | 5,366 |
| Equity capital to assets | 13.8975% | 942 |
| Core capital (leverage) ratio | 8.4063% | 5,218 |
| Tier 1 risk-based capital ratio | 10.2908% | 5,447 |
| Total risk-based capital ratio | 10.9700% | 5,547 |
| Memoranda: | ||
| Average total assets | $18,428,311,600 | 87 |
| Average earning assets | $16,181,252,800 | 89 |
| Average equity | $2,659,410,800 | 76 |
| Average total loans | $13,649,166,600 | 80 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 3,789 |
| Cost of funding earning assets | 0.4069% | 3,117 |
| Net interest margin | 3.4558% | 3,655 |
| Noninterest income to average assets | 0.8042% | 1,573 |
| Noninterest expense to average assets | 2.2061% | 4,513 |
| Loan and lease loss provision to assets | 0.1154% | 1,872 |
| Net operating income to assets | 1.0726% | 2,218 |
| Return on assets (ROA) | 1.0735% | 2,261 |
| Pretax return on assets | 1.5138% | 1,725 |
| Return on Equity (ROE) | 7.3667% | 3,461 |
| Retained earnings to average equity (ytd only) | 0.0875% | 5,186 |
| Net charge-offs to loans | 0.0818% | 1,984 |
| Credit loss provision to net charge-offs | 190.4067% | 1,395 |
| Earnings coverage of net charge-offs (x) | 26.8549% | 1,664 |
| Efficiency ratio | 56.6685% | 4,654 |
| Assets per employee ($millions) | 6.2045% | 1,376 |
| Cash dividends to net income (ytd only)* | 98.8129% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 5,297 |
| Loan loss allowance to noncurrent loans | 84.0776% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 2,738 |
| Noncurrent loans to loans | 0.7327% | 2,523 |
| Net loans and leases to total assets | 71.6289% | 2,312 |
| Net loans and leases to deposits | 99.9702% | 751 |
| Net loans and leases to core deposits | 113.7426% | 858 |
| Total domestic deposits to total assets | 71.6502% | 5,400 |
| Equity capital to assets | 13.8426% | 1,039 |
| Core capital (leverage) ratio | 8.6431% | 5,117 |
| Tier 1 risk-based capital ratio | 10.5431% | 5,434 |
| Total risk-based capital ratio | 11.1902% | 5,577 |
| Memoranda: | ||
| Average total assets | $18,226,170,500 | 87 |
| Average earning assets | $15,980,031,000 | 88 |
| Average equity | $2,655,901,250 | 75 |
| Average total loans | $13,509,608,250 | 80 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,851 |
| Cost of funding earning assets | 0.3599% | 3,483 |
| Net interest margin | 3.4517% | 3,584 |
| Noninterest income to average assets | 0.8792% | 1,333 |
| Noninterest expense to average assets | 2.1474% | 4,680 |
| Loan and lease loss provision to assets | 0.1151% | 1,786 |
| Net operating income to assets | 1.1234% | 1,879 |
| Return on assets (ROA) | 1.1247% | 1,926 |
| Pretax return on assets | 1.6402% | 1,226 |
| Return on Equity (ROE) | 7.5818% | 3,251 |
| Retained earnings to average equity (ytd only) | -0.3428% | 5,134 |
| Net charge-offs to loans | 0.0710% | 1,926 |
| Credit loss provision to net charge-offs | 216.4000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 32.9703% | 1,399 |
| Efficiency ratio | 54.1781% | 5,004 |
| Assets per employee ($millions) | 5.5678% | 1,810 |
| Cash dividends to net income (ytd only)* | 104.5213% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 5,362 |
| Loan loss allowance to noncurrent loans | 88.2176% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 2,811 |
| Noncurrent loans to loans | 0.6917% | 2,685 |
| Net loans and leases to total assets | 72.8715% | 2,065 |
| Net loans and leases to deposits | 103.1859% | 539 |
| Net loans and leases to core deposits | 116.0124% | 713 |
| Total domestic deposits to total assets | 70.6215% | 5,517 |
| Equity capital to assets | 14.1913% | 905 |
| Core capital (leverage) ratio | 8.9002% | 4,840 |
| Tier 1 risk-based capital ratio | 10.6125% | 5,422 |
| Total risk-based capital ratio | 11.2456% | 5,585 |
| Memoranda: | ||
| Average total assets | $17,863,372,330 | 87 |
| Average earning assets | $15,637,585,670 | 90 |
| Average equity | $2,649,987,000 | 72 |
| Average total loans | $13,372,622,330 | 80 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 3,925 |
| Cost of funding earning assets | 0.3083% | 3,956 |
| Net interest margin | 3.4443% | 3,471 |
| Noninterest income to average assets | 0.8817% | 1,302 |
| Noninterest expense to average assets | 2.2790% | 4,463 |
| Loan and lease loss provision to assets | 0.0929% | 1,986 |
| Net operating income to assets | 1.0336% | 2,151 |
| Return on assets (ROA) | 1.0350% | 2,195 |
| Pretax return on assets | 1.5216% | 1,466 |
| Return on Equity (ROE) | 6.8178% | 3,487 |
| Retained earnings to average equity (ytd only) | -3.0085% | 5,265 |
| Net charge-offs to loans | 0.1075% | 1,308 |
| Credit loss provision to net charge-offs | 114.2777% | 1,449 |
| Earnings coverage of net charge-offs (x) | 19.8259% | 1,509 |
| Efficiency ratio | 57.6715% | 4,754 |
| Assets per employee ($millions) | 5.3699% | 2,009 |
| Cash dividends to net income (ytd only)* | 144.1274% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5917% | 5,491 |
| Loan loss allowance to noncurrent loans | 86.0119% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 2,764 |
| Noncurrent loans to loans | 0.6880% | 2,783 |
| Net loans and leases to total assets | 75.2958% | 1,527 |
| Net loans and leases to deposits | 100.6820% | 574 |
| Net loans and leases to core deposits | 112.9996% | 726 |
| Total domestic deposits to total assets | 74.7858% | 5,352 |
| Equity capital to assets | 15.0143% | 653 |
| Core capital (leverage) ratio | 9.2022% | 4,478 |
| Tier 1 risk-based capital ratio | 11.0215% | 5,298 |
| Total risk-based capital ratio | 11.6523% | 5,508 |
| Memoranda: | ||
| Average total assets | $17,429,977,000 | 88 |
| Average earning assets | $15,230,853,000 | 90 |
| Average equity | $2,645,950,500 | 71 |
| Average total loans | $13,192,562,000 | 80 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7726% | 5,659 |
| Cost of funding earning assets | 0.1857% | 5,151 |
| Net interest margin | 2.5869% | 5,526 |
| Noninterest income to average assets | 0.7622% | 1,916 |
| Noninterest expense to average assets | 1.8835% | 5,383 |
| Loan and lease loss provision to assets | 0.0899% | 2,569 |
| Net operating income to assets | 0.7796% | 3,406 |
| Return on assets (ROA) | 0.7801% | 3,507 |
| Pretax return on assets | 1.1039% | 3,089 |
| Return on Equity (ROE) | 6.0129% | 3,974 |
| Retained earnings to average equity (ytd only) | 0.8671% | 4,976 |
| Net charge-offs to loans | 0.0785% | 2,565 |
| Credit loss provision to net charge-offs | 149.7232% | 1,831 |
| Earnings coverage of net charge-offs (x) | 19.8661% | 1,892 |
| Efficiency ratio | 60.1374% | 4,559 |
| Assets per employee ($millions) | 5.3003% | 2,055 |
| Cash dividends to net income (ytd only)* | 85.5790% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 5,535 |
| Loan loss allowance to noncurrent loans | 80.8328% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 2,670 |
| Noncurrent loans to loans | 0.7407% | 2,677 |
| Net loans and leases to total assets | 75.1801% | 1,661 |
| Net loans and leases to deposits | 100.8142% | 620 |
| Net loans and leases to core deposits | 113.3741% | 723 |
| Total domestic deposits to total assets | 74.5729% | 5,390 |
| Equity capital to assets | 15.3494% | 590 |
| Core capital (leverage) ratio | 9.4953% | 4,087 |
| Tier 1 risk-based capital ratio | 11.4001% | 5,115 |
| Total risk-based capital ratio | 12.0460% | 5,341 |
| Memoranda: | ||
| Average total assets | $16,544,031,200 | 85 |
| Average earning assets | $14,800,944,200 | 89 |
| Average equity | $2,146,414,000 | 77 |
| Average total loans | $12,656,865,400 | 78 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 3,789 |
| Cost of funding earning assets | 0.2481% | 4,619 |
| Net interest margin | 3.5949% | 3,093 |
| Noninterest income to average assets | 0.9377% | 1,284 |
| Noninterest expense to average assets | 2.3771% | 4,338 |
| Loan and lease loss provision to assets | 0.1045% | 2,179 |
| Net operating income to assets | 1.2467% | 1,467 |
| Return on assets (ROA) | 1.2472% | 1,571 |
| Pretax return on assets | 1.7288% | 1,040 |
| Return on Equity (ROE) | 11.3545% | 1,537 |
| Retained earnings to average equity (ytd only) | -0.3083% | 5,419 |
| Net charge-offs to loans | 0.1441% | 1,544 |
| Credit loss provision to net charge-offs | 90.4242% | 2,522 |
| Earnings coverage of net charge-offs (x) | 15.8629% | 2,153 |
| Efficiency ratio | 55.2708% | 5,127 |
| Assets per employee ($millions) | 4.6540% | 2,833 |
| Cash dividends to net income (ytd only)* | 102.7152% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 4,790 |
| Loan loss allowance to noncurrent loans | 133.3487% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 2,928 |
| Noncurrent loans to loans | 0.6923% | 2,955 |
| Net loans and leases to total assets | 80.1186% | 875 |
| Net loans and leases to deposits | 98.2266% | 834 |
| Net loans and leases to core deposits | 105.5806% | 1,220 |
| Total domestic deposits to total assets | 81.5651% | 4,088 |
| Equity capital to assets | 10.5290% | 3,533 |
| Core capital (leverage) ratio | 8.0552% | 5,658 |
| Tier 1 risk-based capital ratio | 9.8060% | 5,833 |
| Total risk-based capital ratio | 10.7508% | 5,864 |
| Memoranda: | ||
| Average total assets | $9,413,509,250 | 121 |
| Average earning assets | $8,567,803,000 | 119 |
| Average equity | $1,034,035,500 | 139 |
| Average total loans | $7,544,352,500 | 110 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 3,843 |
| Cost of funding earning assets | 0.2400% | 4,754 |
| Net interest margin | 3.5912% | 3,132 |
| Noninterest income to average assets | 0.9334% | 1,278 |
| Noninterest expense to average assets | 2.4909% | 4,056 |
| Loan and lease loss provision to assets | 0.0966% | 2,219 |
| Net operating income to assets | 1.1296% | 1,859 |
| Return on assets (ROA) | 1.1302% | 1,967 |
| Pretax return on assets | 1.6159% | 1,322 |
| Return on Equity (ROE) | 10.1426% | 1,986 |
| Retained earnings to average equity (ytd only) | 5.3337% | 2,529 |
| Net charge-offs to loans | 0.1700% | 1,320 |
| Credit loss provision to net charge-offs | 71.1800% | 2,469 |
| Earnings coverage of net charge-offs (x) | 12.6071% | 2,174 |
| Efficiency ratio | 58.0486% | 4,891 |
| Assets per employee ($millions) | 4.3177% | 3,336 |
| Cash dividends to net income (ytd only)* | 47.4127% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 4,828 |
| Loan loss allowance to noncurrent loans | 123.2777% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 2,802 |
| Noncurrent loans to loans | 0.7571% | 2,848 |
| Net loans and leases to total assets | 79.9746% | 909 |
| Net loans and leases to deposits | 101.5400% | 595 |
| Net loans and leases to core deposits | 109.5868% | 950 |
| Total domestic deposits to total assets | 78.7617% | 4,840 |
| Equity capital to assets | 11.0867% | 2,963 |
| Core capital (leverage) ratio | 8.6785% | 5,188 |
| Tier 1 risk-based capital ratio | 10.4682% | 5,681 |
| Total risk-based capital ratio | 11.4246% | 5,736 |
| Memoranda: | ||
| Average total assets | $9,312,156,670 | 120 |
| Average earning assets | $8,477,489,330 | 119 |
| Average equity | $1,037,660,330 | 139 |
| Average total loans | $7,439,761,670 | 112 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 3,982 |
| Cost of funding earning assets | 0.2329% | 4,874 |
| Net interest margin | 3.5560% | 3,250 |
| Noninterest income to average assets | 0.8978% | 1,319 |
| Noninterest expense to average assets | 2.4752% | 4,149 |
| Loan and lease loss provision to assets | 0.0651% | 2,657 |
| Net operating income to assets | 1.1030% | 1,888 |
| Return on assets (ROA) | 1.1036% | 1,991 |
| Pretax return on assets | 1.5927% | 1,316 |
| Return on Equity (ROE) | 9.8784% | 2,038 |
| Retained earnings to average equity (ytd only) | 6.0158% | 2,364 |
| Net charge-offs to loans | 0.2461% | 835 |
| Credit loss provision to net charge-offs | 33.2594% | 2,199 |
| Earnings coverage of net charge-offs (x) | 8.4714% | 2,052 |
| Efficiency ratio | 58.6473% | 4,921 |
| Assets per employee ($millions) | 4.3689% | 3,292 |
| Cash dividends to net income (ytd only)* | 39.1009% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 4,829 |
| Loan loss allowance to noncurrent loans | 108.2065% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 2,646 |
| Noncurrent loans to loans | 0.8810% | 2,644 |
| Net loans and leases to total assets | 78.7347% | 986 |
| Net loans and leases to deposits | 95.4450% | 993 |
| Net loans and leases to core deposits | 103.3022% | 1,238 |
| Total domestic deposits to total assets | 82.4922% | 4,071 |
| Equity capital to assets | 11.1965% | 2,731 |
| Core capital (leverage) ratio | 8.6235% | 5,265 |
| Tier 1 risk-based capital ratio | 10.6939% | 5,663 |
| Total risk-based capital ratio | 11.6704% | 5,706 |
| Memoranda: | ||
| Average total assets | $9,223,134,000 | 123 |
| Average earning assets | $8,388,842,500 | 122 |
| Average equity | $1,030,414,500 | 141 |
| Average total loans | $7,329,013,000 | 112 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 4,748 |
| Cost of funding earning assets | 0.2085% | 5,209 |
| Net interest margin | 3.3617% | 4,067 |
| Noninterest income to average assets | 0.9398% | 1,340 |
| Noninterest expense to average assets | 2.4658% | 4,335 |
| Loan and lease loss provision to assets | 0.0727% | 2,817 |
| Net operating income to assets | 1.0321% | 2,201 |
| Return on assets (ROA) | 1.0370% | 2,269 |
| Pretax return on assets | 1.4799% | 1,619 |
| Return on Equity (ROE) | 9.7333% | 2,111 |
| Retained earnings to average equity (ytd only) | 3.7667% | 3,361 |
| Net charge-offs to loans | 0.1268% | 2,109 |
| Credit loss provision to net charge-offs | 73.4049% | 3,067 |
| Earnings coverage of net charge-offs (x) | 15.6123% | 2,190 |
| Efficiency ratio | 60.2463% | 4,878 |
| Assets per employee ($millions) | 4.3321% | 3,336 |
| Cash dividends to net income (ytd only)* | 61.3013% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 4,561 |
| Loan loss allowance to noncurrent loans | 94.8910% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 2,237 |
| Noncurrent loans to loans | 1.0613% | 2,213 |
| Net loans and leases to total assets | 78.6339% | 1,042 |
| Net loans and leases to deposits | 96.3296% | 978 |
| Net loans and leases to core deposits | 104.7709% | 1,180 |
| Total domestic deposits to total assets | 81.6301% | 4,294 |
| Equity capital to assets | 11.1473% | 2,681 |
| Core capital (leverage) ratio | 8.5074% | 5,422 |
| Tier 1 risk-based capital ratio | 10.6227% | 5,717 |
| Total risk-based capital ratio | 11.6518% | 5,741 |
| Memoranda: | ||
| Average total assets | $8,944,714,400 | 120 |
| Average earning assets | $8,172,830,600 | 118 |
| Average equity | $952,965,600 | 144 |
| Average total loans | $6,983,146,400 | 110 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,385 |
| Cost of funding earning assets | 0.1948% | 5,424 |
| Net interest margin | 3.5164% | 3,476 |
| Noninterest income to average assets | 1.0907% | 1,012 |
| Noninterest expense to average assets | 2.7220% | 3,492 |
| Loan and lease loss provision to assets | 0.0785% | 2,604 |
| Net operating income to assets | 1.0603% | 2,167 |
| Return on assets (ROA) | 1.0677% | 2,232 |
| Pretax return on assets | 1.5410% | 1,568 |
| Return on Equity (ROE) | 10.5383% | 1,888 |
| Retained earnings to average equity (ytd only) | 4.1759% | 3,494 |
| Net charge-offs to loans | 0.1026% | 2,109 |
| Credit loss provision to net charge-offs | 98.7492% | 2,322 |
| Earnings coverage of net charge-offs (x) | 20.2293% | 1,883 |
| Efficiency ratio | 61.8503% | 4,599 |
| Assets per employee ($millions) | 3.9343% | 4,005 |
| Cash dividends to net income (ytd only)* | 60.3740% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 3,581 |
| Loan loss allowance to noncurrent loans | 99.3432% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 2,153 |
| Noncurrent loans to loans | 1.2200% | 2,094 |
| Net loans and leases to total assets | 77.1032% | 1,237 |
| Net loans and leases to deposits | 91.8547% | 1,426 |
| Net loans and leases to core deposits | 95.8553% | 1,903 |
| Total domestic deposits to total assets | 83.9404% | 3,456 |
| Equity capital to assets | 9.9815% | 4,173 |
| Core capital (leverage) ratio | 8.2074% | 5,770 |
| Tier 1 risk-based capital ratio | 10.5248% | 5,872 |
| Total risk-based capital ratio | 11.7757% | 5,802 |
| Memoranda: | ||
| Average total assets | $7,639,526,750 | 141 |
| Average earning assets | $7,039,464,750 | 135 |
| Average equity | $774,011,250 | 163 |
| Average total loans | $5,921,500,250 | 127 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,381 |
| Cost of funding earning assets | 0.1965% | 5,467 |
| Net interest margin | 3.5121% | 3,454 |
| Noninterest income to average assets | 1.1036% | 994 |
| Noninterest expense to average assets | 2.7525% | 3,401 |
| Loan and lease loss provision to assets | 0.0798% | 2,516 |
| Net operating income to assets | 1.0282% | 2,244 |
| Return on assets (ROA) | 1.0392% | 2,298 |
| Pretax return on assets | 1.5237% | 1,578 |
| Return on Equity (ROE) | 10.2036% | 1,977 |
| Retained earnings to average equity (ytd only) | 5.7599% | 2,373 |
| Net charge-offs to loans | 0.1287% | 1,729 |
| Credit loss provision to net charge-offs | 80.1710% | 2,331 |
| Earnings coverage of net charge-offs (x) | 15.9524% | 1,938 |
| Efficiency ratio | 62.4204% | 4,612 |
| Assets per employee ($millions) | 3.6814% | 4,465 |
| Cash dividends to net income (ytd only)* | 43.5506% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 3,555 |
| Loan loss allowance to noncurrent loans | 110.9153% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 2,374 |
| Noncurrent loans to loans | 1.1193% | 2,409 |
| Net loans and leases to total assets | 77.3325% | 1,160 |
| Net loans and leases to deposits | 93.6701% | 1,181 |
| Net loans and leases to core deposits | 97.9626% | 1,658 |
| Total domestic deposits to total assets | 82.5583% | 4,105 |
| Equity capital to assets | 10.3012% | 3,692 |
| Core capital (leverage) ratio | 8.5177% | 5,511 |
| Tier 1 risk-based capital ratio | 10.8663% | 5,777 |
| Total risk-based capital ratio | 12.1165% | 5,700 |
| Memoranda: | ||
| Average total assets | $7,521,203,330 | 144 |
| Average earning assets | $6,930,300,330 | 137 |
| Average equity | $766,024,330 | 164 |
| Average total loans | $5,815,454,670 | 128 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 4,513 |
| Cost of funding earning assets | 0.2020% | 5,491 |
| Net interest margin | 3.4546% | 3,611 |
| Noninterest income to average assets | 1.0594% | 1,007 |
| Noninterest expense to average assets | 2.6994% | 3,593 |
| Loan and lease loss provision to assets | 0.0808% | 2,353 |
| Net operating income to assets | 1.0061% | 2,240 |
| Return on assets (ROA) | 1.0276% | 2,282 |
| Pretax return on assets | 1.4971% | 1,576 |
| Return on Equity (ROE) | 10.1497% | 1,931 |
| Retained earnings to average equity (ytd only) | 5.9555% | 2,530 |
| Net charge-offs to loans | 0.1351% | 1,432 |
| Credit loss provision to net charge-offs | 77.8412% | 1,848 |
| Earnings coverage of net charge-offs (x) | 14.9035% | 1,652 |
| Efficiency ratio | 62.5707% | 4,692 |
| Assets per employee ($millions) | 3.8052% | 4,329 |
| Cash dividends to net income (ytd only)* | 41.3238% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 3,314 |
| Loan loss allowance to noncurrent loans | 114.9824% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 2,471 |
| Noncurrent loans to loans | 1.1457% | 2,477 |
| Net loans and leases to total assets | 74.7466% | 1,395 |
| Net loans and leases to deposits | 88.5653% | 1,551 |
| Net loans and leases to core deposits | 92.5056% | 1,908 |
| Total domestic deposits to total assets | 84.3972% | 3,652 |
| Equity capital to assets | 10.0627% | 4,072 |
| Core capital (leverage) ratio | 8.3745% | 5,662 |
| Tier 1 risk-based capital ratio | 10.8975% | 5,852 |
| Total risk-based capital ratio | 12.1487% | 5,780 |
| Memoranda: | ||
| Average total assets | $7,427,333,000 | 143 |
| Average earning assets | $6,851,187,500 | 136 |
| Average equity | $751,980,000 | 164 |
| Average total loans | $5,704,953,500 | 129 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,609 |
| Cost of funding earning assets | 0.2445% | 5,386 |
| Net interest margin | 3.5187% | 3,723 |
| Noninterest income to average assets | 1.0365% | 1,142 |
| Noninterest expense to average assets | 2.7174% | 3,805 |
| Loan and lease loss provision to assets | 0.0935% | 2,597 |
| Net operating income to assets | 1.0254% | 2,282 |
| Return on assets (ROA) | 1.0261% | 2,350 |
| Pretax return on assets | 1.4828% | 1,609 |
| Return on Equity (ROE) | 10.1338% | 2,052 |
| Retained earnings to average equity (ytd only) | 0.3780% | 5,608 |
| Net charge-offs to loans | 0.1893% | 2,154 |
| Credit loss provision to net charge-offs | 64.2850% | 3,198 |
| Earnings coverage of net charge-offs (x) | 10.8333% | 2,580 |
| Efficiency ratio | 62.5811% | 4,817 |
| Assets per employee ($millions) | 3.6619% | 4,600 |
| Cash dividends to net income (ytd only)* | 96.2697% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 3,278 |
| Loan loss allowance to noncurrent loans | 104.2638% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 2,385 |
| Noncurrent loans to loans | 1.2741% | 2,326 |
| Net loans and leases to total assets | 76.8745% | 1,148 |
| Net loans and leases to deposits | 91.7856% | 1,311 |
| Net loans and leases to core deposits | 96.0267% | 1,721 |
| Total domestic deposits to total assets | 83.7544% | 3,816 |
| Equity capital to assets | 10.1882% | 3,868 |
| Core capital (leverage) ratio | 8.5374% | 5,518 |
| Tier 1 risk-based capital ratio | 10.2325% | 6,197 |
| Total risk-based capital ratio | 11.4835% | 6,142 |
| Memoranda: | ||
| Average total assets | $6,526,221,400 | 155 |
| Average earning assets | $6,039,092,400 | 149 |
| Average equity | $660,817,600 | 168 |
| Average total loans | $5,012,540,200 | 141 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,677 |
| Cost of funding earning assets | 0.2551% | 5,352 |
| Net interest margin | 3.5054% | 3,806 |
| Noninterest income to average assets | 1.0247% | 1,174 |
| Noninterest expense to average assets | 2.6814% | 3,894 |
| Loan and lease loss provision to assets | 0.0969% | 2,425 |
| Net operating income to assets | 1.0395% | 2,284 |
| Return on assets (ROA) | 1.0403% | 2,338 |
| Pretax return on assets | 1.4964% | 1,655 |
| Return on Equity (ROE) | 10.2923% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.7901% | 2,543 |
| Net charge-offs to loans | 0.1836% | 1,989 |
| Credit loss provision to net charge-offs | 69.0069% | 2,784 |
| Earnings coverage of net charge-offs (x) | 11.3386% | 2,436 |
| Efficiency ratio | 62.0857% | 4,872 |
| Assets per employee ($millions) | 3.7758% | 4,339 |
| Cash dividends to net income (ytd only)* | 43.7432% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 2,597 |
| Loan loss allowance to noncurrent loans | 117.5467% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 2,652 |
| Noncurrent loans to loans | 1.2972% | 2,478 |
| Net loans and leases to total assets | 75.4814% | 1,287 |
| Net loans and leases to deposits | 89.2258% | 1,520 |
| Net loans and leases to core deposits | 93.2798% | 1,933 |
| Total domestic deposits to total assets | 84.5959% | 3,501 |
| Equity capital to assets | 9.9253% | 4,265 |
| Core capital (leverage) ratio | 8.7718% | 5,370 |
| Tier 1 risk-based capital ratio | 10.9034% | 6,043 |
| Total risk-based capital ratio | 12.1568% | 5,991 |
| Memoranda: | ||
| Average total assets | $6,329,577,750 | 158 |
| Average earning assets | $5,866,154,000 | 154 |
| Average equity | $639,760,750 | 171 |
| Average total loans | $4,841,335,750 | 143 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,643 |
| Cost of funding earning assets | 0.2635% | 5,351 |
| Net interest margin | 3.5007% | 3,788 |
| Noninterest income to average assets | 1.0270% | 1,130 |
| Noninterest expense to average assets | 2.7094% | 3,825 |
| Loan and lease loss provision to assets | 0.0993% | 2,367 |
| Net operating income to assets | 1.0167% | 2,260 |
| Return on assets (ROA) | 1.0180% | 2,322 |
| Pretax return on assets | 1.4622% | 1,666 |
| Return on Equity (ROE) | 10.0080% | 2,153 |
| Retained earnings to average equity (ytd only) | 5.6813% | 2,524 |
| Net charge-offs to loans | 0.1835% | 1,925 |
| Credit loss provision to net charge-offs | 70.7924% | 2,462 |
| Earnings coverage of net charge-offs (x) | 11.1183% | 2,185 |
| Efficiency ratio | 62.7974% | 4,890 |
| Assets per employee ($millions) | 3.4498% | 4,948 |
| Cash dividends to net income (ytd only)* | 43.2325% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 2,522 |
| Loan loss allowance to noncurrent loans | 115.0818% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2493% | 2,611 |
| Noncurrent loans to loans | 1.3781% | 2,506 |
| Net loans and leases to total assets | 77.5675% | 966 |
| Net loans and leases to deposits | 92.2156% | 1,120 |
| Net loans and leases to core deposits | 96.6635% | 1,551 |
| Total domestic deposits to total assets | 84.1154% | 3,886 |
| Equity capital to assets | 10.3758% | 3,590 |
| Core capital (leverage) ratio | 8.8341% | 5,242 |
| Tier 1 risk-based capital ratio | 11.0444% | 6,034 |
| Total risk-based capital ratio | 12.2986% | 5,971 |
| Memoranda: | ||
| Average total assets | $6,243,194,670 | 160 |
| Average earning assets | $5,782,054,330 | 153 |
| Average equity | $635,030,330 | 172 |
| Average total loans | $4,771,692,000 | 143 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,841 |
| Cost of funding earning assets | 0.2679% | 5,408 |
| Net interest margin | 3.4345% | 3,962 |
| Noninterest income to average assets | 0.9535% | 1,250 |
| Noninterest expense to average assets | 2.6875% | 3,975 |
| Loan and lease loss provision to assets | 0.1023% | 2,216 |
| Net operating income to assets | 0.9402% | 2,452 |
| Return on assets (ROA) | 0.9402% | 2,524 |
| Pretax return on assets | 1.3470% | 1,929 |
| Return on Equity (ROE) | 9.3368% | 2,319 |
| Retained earnings to average equity (ytd only) | 4.9758% | 3,121 |
| Net charge-offs to loans | 0.1870% | 1,606 |
| Credit loss provision to net charge-offs | 72.7603% | 1,972 |
| Earnings coverage of net charge-offs (x) | 10.3033% | 1,872 |
| Efficiency ratio | 64.2771% | 4,818 |
| Assets per employee ($millions) | 3.6067% | 4,700 |
| Cash dividends to net income (ytd only)* | 46.7070% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 2,516 |
| Loan loss allowance to noncurrent loans | 111.1705% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 2,742 |
| Noncurrent loans to loans | 1.4838% | 2,562 |
| Net loans and leases to total assets | 73.9146% | 1,282 |
| Net loans and leases to deposits | 88.3370% | 1,323 |
| Net loans and leases to core deposits | 93.5341% | 1,593 |
| Total domestic deposits to total assets | 83.6734% | 4,391 |
| Equity capital to assets | 10.0194% | 3,820 |
| Core capital (leverage) ratio | 8.7192% | 5,359 |
| Tier 1 risk-based capital ratio | 11.1328% | 6,106 |
| Total risk-based capital ratio | 12.3877% | 6,053 |
| Memoranda: | ||
| Average total assets | $6,253,091,000 | 161 |
| Average earning assets | $5,795,753,000 | 151 |
| Average equity | $629,681,500 | 174 |
| Average total loans | $4,704,971,500 | 144 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 4,651 |
| Cost of funding earning assets | 0.3128% | 5,491 |
| Net interest margin | 3.5300% | 3,763 |
| Noninterest income to average assets | 1.0773% | 1,220 |
| Noninterest expense to average assets | 2.7536% | 3,895 |
| Loan and lease loss provision to assets | 0.1827% | 2,019 |
| Net operating income to assets | 0.9794% | 2,426 |
| Return on assets (ROA) | 0.9898% | 2,439 |
| Pretax return on assets | 1.4192% | 1,720 |
| Return on Equity (ROE) | 9.9746% | 2,126 |
| Retained earnings to average equity (ytd only) | 5.8761% | 2,052 |
| Net charge-offs to loans | 0.3746% | 1,800 |
| Credit loss provision to net charge-offs | 66.9956% | 3,380 |
| Earnings coverage of net charge-offs (x) | 5.8204% | 3,205 |
| Efficiency ratio | 62.7068% | 5,100 |
| Assets per employee ($millions) | 3.5435% | 4,818 |
| Cash dividends to net income (ytd only)* | 41.0893% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 2,406 |
| Loan loss allowance to noncurrent loans | 107.3400% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3472% | 2,734 |
| Noncurrent loans to loans | 1.5832% | 2,525 |
| Net loans and leases to total assets | 74.0523% | 1,341 |
| Net loans and leases to deposits | 88.1649% | 1,439 |
| Net loans and leases to core deposits | 92.5362% | 1,725 |
| Total domestic deposits to total assets | 83.9929% | 4,168 |
| Equity capital to assets | 10.1217% | 3,600 |
| Core capital (leverage) ratio | 8.7286% | 5,379 |
| Tier 1 risk-based capital ratio | 11.2442% | 6,053 |
| Total risk-based capital ratio | 12.4999% | 5,994 |
| Memoranda: | ||
| Average total assets | $6,021,356,200 | 161 |
| Average earning assets | $5,566,621,600 | 151 |
| Average equity | $597,487,200 | 174 |
| Average total loans | $4,382,796,000 | 148 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 4,757 |
| Cost of funding earning assets | 0.3230% | 5,521 |
| Net interest margin | 3.5009% | 3,877 |
| Noninterest income to average assets | 1.1075% | 1,195 |
| Noninterest expense to average assets | 2.7423% | 3,859 |
| Loan and lease loss provision to assets | 0.2006% | 1,809 |
| Net operating income to assets | 0.9761% | 2,482 |
| Return on assets (ROA) | 0.9895% | 2,515 |
| Pretax return on assets | 1.4196% | 1,871 |
| Return on Equity (ROE) | 10.0235% | 2,171 |
| Retained earnings to average equity (ytd only) | 6.0421% | 2,382 |
| Net charge-offs to loans | 0.3695% | 1,722 |
| Credit loss provision to net charge-offs | 75.2571% | 2,960 |
| Earnings coverage of net charge-offs (x) | 6.0073% | 3,052 |
| Efficiency ratio | 62.3965% | 5,081 |
| Assets per employee ($millions) | 3.5899% | 4,668 |
| Cash dividends to net income (ytd only)* | 39.7203% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,305 |
| Loan loss allowance to noncurrent loans | 126.3298% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 3,199 |
| Noncurrent loans to loans | 1.4245% | 3,033 |
| Net loans and leases to total assets | 71.1852% | 1,749 |
| Net loans and leases to deposits | 85.6978% | 1,651 |
| Net loans and leases to core deposits | 89.7059% | 2,002 |
| Total domestic deposits to total assets | 83.0655% | 4,550 |
| Equity capital to assets | 9.6345% | 4,377 |
| Core capital (leverage) ratio | 8.7957% | 5,422 |
| Tier 1 risk-based capital ratio | 11.3576% | 6,123 |
| Total risk-based capital ratio | 12.6145% | 6,091 |
| Memoranda: | ||
| Average total assets | $5,982,594,000 | 159 |
| Average earning assets | $5,529,675,500 | 150 |
| Average equity | $590,570,000 | 172 |
| Average total loans | $4,315,285,000 | 145 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 4,620 |
| Cost of funding earning assets | 0.3349% | 5,525 |
| Net interest margin | 3.5252% | 3,678 |
| Noninterest income to average assets | 1.1191% | 1,215 |
| Noninterest expense to average assets | 2.8014% | 3,672 |
| Loan and lease loss provision to assets | 0.2036% | 1,865 |
| Net operating income to assets | 0.9525% | 2,559 |
| Return on assets (ROA) | 0.9729% | 2,593 |
| Pretax return on assets | 1.3978% | 1,937 |
| Return on Equity (ROE) | 9.7732% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.8291% | 2,533 |
| Net charge-offs to loans | 0.3915% | 1,653 |
| Credit loss provision to net charge-offs | 72.2282% | 2,780 |
| Earnings coverage of net charge-offs (x) | 5.5772% | 2,864 |
| Efficiency ratio | 63.2935% | 4,962 |
| Assets per employee ($millions) | 3.1545% | 5,576 |
| Cash dividends to net income (ytd only)* | 40.3558% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 2,137 |
| Loan loss allowance to noncurrent loans | 125.7713% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3617% | 3,061 |
| Noncurrent loans to loans | 1.5039% | 3,047 |
| Net loans and leases to total assets | 73.5232% | 1,320 |
| Net loans and leases to deposits | 88.5435% | 1,278 |
| Net loans and leases to core deposits | 92.9537% | 1,617 |
| Total domestic deposits to total assets | 83.0362% | 4,688 |
| Equity capital to assets | 10.2208% | 3,641 |
| Core capital (leverage) ratio | 8.7993% | 5,291 |
| Tier 1 risk-based capital ratio | 11.5410% | 6,084 |
| Total risk-based capital ratio | 12.7989% | 6,042 |
| Memoranda: | ||
| Average total assets | $5,893,473,670 | 157 |
| Average earning assets | $5,440,932,330 | 150 |
| Average equity | $586,708,330 | 171 |
| Average total loans | $4,243,520,670 | 147 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 4,792 |
| Cost of funding earning assets | 0.3444% | 5,599 |
| Net interest margin | 3.4674% | 3,831 |
| Noninterest income to average assets | 1.0705% | 1,299 |
| Noninterest expense to average assets | 2.7852% | 3,745 |
| Loan and lease loss provision to assets | 0.2020% | 1,837 |
| Net operating income to assets | 0.8978% | 2,670 |
| Return on assets (ROA) | 0.9377% | 2,625 |
| Pretax return on assets | 1.3444% | 2,060 |
| Return on Equity (ROE) | 9.5436% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.5797% | 2,911 |
| Net charge-offs to loans | 0.4443% | 1,342 |
| Credit loss provision to net charge-offs | 64.4192% | 2,367 |
| Earnings coverage of net charge-offs (x) | 4.7501% | 2,482 |
| Efficiency ratio | 64.3818% | 4,947 |
| Assets per employee ($millions) | 3.3009% | 5,430 |
| Cash dividends to net income (ytd only)* | 41.5350% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 2,118 |
| Loan loss allowance to noncurrent loans | 106.9309% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 2,866 |
| Noncurrent loans to loans | 1.8444% | 2,809 |
| Net loans and leases to total assets | 68.8746% | 1,865 |
| Net loans and leases to deposits | 82.2205% | 1,794 |
| Net loans and leases to core deposits | 86.4464% | 2,065 |
| Total domestic deposits to total assets | 83.7682% | 4,568 |
| Equity capital to assets | 9.8374% | 4,375 |
| Core capital (leverage) ratio | 8.5433% | 5,521 |
| Tier 1 risk-based capital ratio | 11.7037% | 6,081 |
| Total risk-based capital ratio | 12.9626% | 6,055 |
| Memoranda: | ||
| Average total assets | $5,941,215,500 | 159 |
| Average earning assets | $5,489,913,500 | 154 |
| Average equity | $583,761,500 | 175 |
| Average total loans | $4,192,755,500 | 153 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 4,738 |
| Cost of funding earning assets | 0.4583% | 5,515 |
| Net interest margin | 3.7009% | 3,639 |
| Noninterest income to average assets | 1.0698% | 1,361 |
| Noninterest expense to average assets | 2.7645% | 4,166 |
| Loan and lease loss provision to assets | 0.3353% | 2,007 |
| Net operating income to assets | 0.9670% | 2,473 |
| Return on assets (ROA) | 0.9675% | 2,709 |
| Pretax return on assets | 1.3682% | 2,151 |
| Return on Equity (ROE) | 9.3149% | 2,478 |
| Retained earnings to average equity (ytd only) | 4.5070% | 3,060 |
| Net charge-offs to loans | 0.5610% | 2,059 |
| Credit loss provision to net charge-offs | 82.8037% | 3,732 |
| Earnings coverage of net charge-offs (x) | 4.2053% | 3,445 |
| Efficiency ratio | 61.2446% | 5,348 |
| Assets per employee ($millions) | 3.1762% | 5,683 |
| Cash dividends to net income (ytd only)* | 51.6149% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,971 |
| Loan loss allowance to noncurrent loans | 102.1212% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 2,834 |
| Noncurrent loans to loans | 1.9768% | 2,721 |
| Net loans and leases to total assets | 69.4540% | 1,951 |
| Net loans and leases to deposits | 83.3233% | 1,838 |
| Net loans and leases to core deposits | 87.9857% | 2,085 |
| Total domestic deposits to total assets | 83.3548% | 4,582 |
| Equity capital to assets | 9.8137% | 4,430 |
| Core capital (leverage) ratio | 8.9261% | 5,010 |
| Tier 1 risk-based capital ratio | 11.6151% | 6,023 |
| Total risk-based capital ratio | 12.8747% | 5,978 |
| Memoranda: | ||
| Average total assets | $5,517,264,600 | 165 |
| Average earning assets | $5,065,051,600 | 159 |
| Average equity | $573,041,000 | 177 |
| Average total loans | $3,982,576,400 | 152 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 4,730 |
| Cost of funding earning assets | 0.4846% | 5,539 |
| Net interest margin | 3.7394% | 3,610 |
| Noninterest income to average assets | 1.0763% | 1,302 |
| Noninterest expense to average assets | 2.7273% | 4,258 |
| Loan and lease loss provision to assets | 0.3321% | 1,973 |
| Net operating income to assets | 1.0117% | 2,443 |
| Return on assets (ROA) | 1.0117% | 2,673 |
| Pretax return on assets | 1.4488% | 2,084 |
| Return on Equity (ROE) | 9.5966% | 2,545 |
| Retained earnings to average equity (ytd only) | 4.5160% | 3,721 |
| Net charge-offs to loans | 0.5812% | 1,886 |
| Credit loss provision to net charge-offs | 78.7677% | 3,658 |
| Earnings coverage of net charge-offs (x) | 4.2244% | 3,370 |
| Efficiency ratio | 59.8948% | 5,516 |
| Assets per employee ($millions) | 3.0659% | 5,932 |
| Cash dividends to net income (ytd only)* | 52.9419% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0994% | 1,907 |
| Loan loss allowance to noncurrent loans | 94.4940% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9542% | 2,709 |
| Noncurrent loans to loans | 2.2217% | 2,590 |
| Net loans and leases to total assets | 70.9380% | 1,731 |
| Net loans and leases to deposits | 85.8762% | 1,613 |
| Net loans and leases to core deposits | 91.2892% | 1,849 |
| Total domestic deposits to total assets | 82.6050% | 4,787 |
| Equity capital to assets | 10.4387% | 3,915 |
| Core capital (leverage) ratio | 9.2086% | 4,749 |
| Tier 1 risk-based capital ratio | 12.1099% | 5,880 |
| Total risk-based capital ratio | 13.3704% | 5,850 |
| Memoranda: | ||
| Average total assets | $5,420,456,250 | 167 |
| Average earning assets | $4,974,662,500 | 162 |
| Average equity | $571,439,500 | 180 |
| Average total loans | $3,931,870,500 | 152 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 4,686 |
| Cost of funding earning assets | 0.5074% | 5,570 |
| Net interest margin | 3.7632% | 3,525 |
| Noninterest income to average assets | 1.1073% | 1,167 |
| Noninterest expense to average assets | 2.7464% | 4,231 |
| Loan and lease loss provision to assets | 0.3351% | 1,967 |
| Net operating income to assets | 1.0225% | 2,374 |
| Return on assets (ROA) | 1.0225% | 2,601 |
| Pretax return on assets | 1.4751% | 1,939 |
| Return on Equity (ROE) | 9.6661% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.7942% | 2,829 |
| Net charge-offs to loans | 0.5450% | 1,957 |
| Credit loss provision to net charge-offs | 84.7298% | 3,197 |
| Earnings coverage of net charge-offs (x) | 4.5771% | 3,041 |
| Efficiency ratio | 59.6728% | 5,630 |
| Assets per employee ($millions) | 3.0737% | 5,905 |
| Cash dividends to net income (ytd only)* | 40.0568% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1814% | 1,815 |
| Loan loss allowance to noncurrent loans | 95.8726% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 2.1284% | 2,631 |
| Noncurrent loans to loans | 2.2753% | 2,646 |
| Net loans and leases to total assets | 72.8280% | 1,420 |
| Net loans and leases to deposits | 88.6964% | 1,294 |
| Net loans and leases to core deposits | 94.7257% | 1,533 |
| Total domestic deposits to total assets | 82.1094% | 5,088 |
| Equity capital to assets | 10.8080% | 3,330 |
| Core capital (leverage) ratio | 9.3024% | 4,450 |
| Tier 1 risk-based capital ratio | 12.1846% | 5,806 |
| Total risk-based capital ratio | 13.4461% | 5,781 |
| Memoranda: | ||
| Average total assets | $5,371,410,000 | 167 |
| Average earning assets | $4,923,516,670 | 162 |
| Average equity | $568,190,330 | 179 |
| Average total loans | $3,897,749,330 | 150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 4,862 |
| Cost of funding earning assets | 0.5241% | 5,649 |
| Net interest margin | 3.7428% | 3,626 |
| Noninterest income to average assets | 1.0668% | 1,267 |
| Noninterest expense to average assets | 2.7506% | 4,242 |
| Loan and lease loss provision to assets | 0.3712% | 1,701 |
| Net operating income to assets | 0.9649% | 2,616 |
| Return on assets (ROA) | 0.9649% | 2,813 |
| Pretax return on assets | 1.3747% | 2,267 |
| Return on Equity (ROE) | 9.2215% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.3192% | 3,369 |
| Net charge-offs to loans | 0.5751% | 1,655 |
| Credit loss provision to net charge-offs | 90.1226% | 2,544 |
| Earnings coverage of net charge-offs (x) | 4.2386% | 2,623 |
| Efficiency ratio | 60.5657% | 5,533 |
| Assets per employee ($millions) | 3.2095% | 5,749 |
| Cash dividends to net income (ytd only)* | 42.3175% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2694% | 1,737 |
| Loan loss allowance to noncurrent loans | 107.2642% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.9756% | 2,935 |
| Noncurrent loans to loans | 2.1157% | 3,013 |
| Net loans and leases to total assets | 69.4498% | 1,846 |
| Net loans and leases to deposits | 84.7314% | 1,574 |
| Net loans and leases to core deposits | 90.5645% | 1,794 |
| Total domestic deposits to total assets | 81.9647% | 5,309 |
| Equity capital to assets | 10.4371% | 3,571 |
| Core capital (leverage) ratio | 9.0262% | 4,799 |
| Tier 1 risk-based capital ratio | 12.2827% | 5,773 |
| Total risk-based capital ratio | 13.5453% | 5,724 |
| Memoranda: | ||
| Average total assets | $5,387,638,000 | 166 |
| Average earning assets | $4,936,985,500 | 160 |
| Average equity | $563,767,500 | 177 |
| Average total loans | $3,859,140,500 | 148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 5,288 |
| Cost of funding earning assets | 0.6471% | 5,843 |
| Net interest margin | 3.7902% | 3,878 |
| Noninterest income to average assets | 0.8713% | 1,770 |
| Noninterest expense to average assets | 2.6479% | 4,932 |
| Loan and lease loss provision to assets | 0.4901% | 2,159 |
| Net operating income to assets | 0.8525% | 2,806 |
| Return on assets (ROA) | 0.8525% | 2,962 |
| Pretax return on assets | 1.1988% | 2,462 |
| Return on Equity (ROE) | 8.1323% | 2,844 |
| Retained earnings to average equity (ytd only) | 4.1765% | 3,205 |
| Net charge-offs to loans | 0.7245% | 2,341 |
| Credit loss provision to net charge-offs | 95.5988% | 3,776 |
| Earnings coverage of net charge-offs (x) | 3.2945% | 3,568 |
| Efficiency ratio | 60.2481% | 5,717 |
| Assets per employee ($millions) | 3.1072% | 5,884 |
| Cash dividends to net income (ytd only)* | 48.6424% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 1,623 |
| Loan loss allowance to noncurrent loans | 107.4075% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 2.0132% | 2,950 |
| Noncurrent loans to loans | 2.1361% | 3,026 |
| Net loans and leases to total assets | 70.5517% | 1,915 |
| Net loans and leases to deposits | 86.1387% | 1,651 |
| Net loans and leases to core deposits | 92.5307% | 1,833 |
| Total domestic deposits to total assets | 81.9048% | 5,163 |
| Equity capital to assets | 10.4917% | 3,549 |
| Core capital (leverage) ratio | 8.8705% | 4,991 |
| Tier 1 risk-based capital ratio | 11.9122% | 5,889 |
| Total risk-based capital ratio | 13.1750% | 5,859 |
| Memoranda: | ||
| Average total assets | $5,305,180,600 | 163 |
| Average earning assets | $4,850,696,600 | 158 |
| Average equity | $556,154,000 | 177 |
| Average total loans | $3,753,863,000 | 150 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 5,485 |
| Cost of funding earning assets | 0.6699% | 5,933 |
| Net interest margin | 3.7636% | 4,045 |
| Noninterest income to average assets | 0.8963% | 1,667 |
| Noninterest expense to average assets | 2.6380% | 4,946 |
| Loan and lease loss provision to assets | 0.5259% | 1,879 |
| Net operating income to assets | 0.8355% | 2,999 |
| Return on assets (ROA) | 0.8355% | 3,157 |
| Pretax return on assets | 1.1740% | 2,723 |
| Return on Equity (ROE) | 7.9711% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.0097% | 3,863 |
| Net charge-offs to loans | 0.7763% | 2,008 |
| Credit loss provision to net charge-offs | 96.2380% | 3,566 |
| Earnings coverage of net charge-offs (x) | 3.1107% | 3,579 |
| Efficiency ratio | 59.9697% | 5,728 |
| Assets per employee ($millions) | 3.1750% | 5,740 |
| Cash dividends to net income (ytd only)* | 49.6973% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 1,622 |
| Loan loss allowance to noncurrent loans | 94.2032% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 2.2532% | 2,838 |
| Noncurrent loans to loans | 2.4942% | 2,779 |
| Net loans and leases to total assets | 67.8689% | 2,507 |
| Net loans and leases to deposits | 82.2821% | 2,304 |
| Net loans and leases to core deposits | 88.1311% | 2,469 |
| Total domestic deposits to total assets | 82.4833% | 4,888 |
| Equity capital to assets | 10.3952% | 3,840 |
| Core capital (leverage) ratio | 8.4889% | 5,725 |
| Tier 1 risk-based capital ratio | 11.6097% | 6,167 |
| Total risk-based capital ratio | 12.8733% | 6,147 |
| Memoranda: | ||
| Average total assets | $5,298,493,000 | 163 |
| Average earning assets | $4,845,113,000 | 158 |
| Average equity | $555,340,000 | 180 |
| Average total loans | $3,729,803,000 | 149 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 5,491 |
| Cost of funding earning assets | 0.6917% | 6,009 |
| Net interest margin | 3.7676% | 3,952 |
| Noninterest income to average assets | 0.9017% | 1,639 |
| Noninterest expense to average assets | 2.6446% | 5,023 |
| Loan and lease loss provision to assets | 0.5520% | 1,759 |
| Net operating income to assets | 0.8030% | 3,060 |
| Return on assets (ROA) | 0.8030% | 3,186 |
| Pretax return on assets | 1.1502% | 2,668 |
| Return on Equity (ROE) | 7.6401% | 3,125 |
| Retained earnings to average equity (ytd only) | 3.6562% | 3,901 |
| Net charge-offs to loans | 0.7698% | 1,961 |
| Credit loss provision to net charge-offs | 101.4199% | 3,062 |
| Earnings coverage of net charge-offs (x) | 3.1276% | 3,291 |
| Efficiency ratio | 59.9736% | 5,880 |
| Assets per employee ($millions) | 3.0145% | 6,053 |
| Cash dividends to net income (ytd only)* | 52.1451% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3898% | 1,609 |
| Loan loss allowance to noncurrent loans | 82.2160% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.5681% | 2,600 |
| Noncurrent loans to loans | 2.9067% | 2,509 |
| Net loans and leases to total assets | 70.5252% | 2,108 |
| Net loans and leases to deposits | 86.2140% | 1,766 |
| Net loans and leases to core deposits | 92.6609% | 2,058 |
| Total domestic deposits to total assets | 81.8024% | 5,235 |
| Equity capital to assets | 10.7404% | 3,242 |
| Core capital (leverage) ratio | 8.4609% | 5,613 |
| Tier 1 risk-based capital ratio | 11.4802% | 6,181 |
| Total risk-based capital ratio | 12.7443% | 6,160 |
| Memoranda: | ||
| Average total assets | $5,253,851,330 | 165 |
| Average earning assets | $4,804,010,000 | 162 |
| Average equity | $552,216,670 | 183 |
| Average total loans | $3,714,524,670 | 153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 5,557 |
| Cost of funding earning assets | 0.7005% | 6,132 |
| Net interest margin | 3.7385% | 3,897 |
| Noninterest income to average assets | 0.8645% | 1,797 |
| Noninterest expense to average assets | 2.6682% | 4,967 |
| Loan and lease loss provision to assets | 0.5679% | 1,519 |
| Net operating income to assets | 0.7349% | 3,348 |
| Return on assets (ROA) | 0.7349% | 3,414 |
| Pretax return on assets | 1.0516% | 2,938 |
| Return on Equity (ROE) | 7.0680% | 3,344 |
| Retained earnings to average equity (ytd only) | 3.0624% | 4,327 |
| Net charge-offs to loans | 0.7965% | 1,627 |
| Credit loss provision to net charge-offs | 101.9576% | 2,594 |
| Earnings coverage of net charge-offs (x) | 2.9074% | 2,924 |
| Efficiency ratio | 61.3260% | 5,792 |
| Assets per employee ($millions) | 3.3066% | 5,464 |
| Cash dividends to net income (ytd only)* | 56.6718% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4325% | 1,560 |
| Loan loss allowance to noncurrent loans | 82.6184% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 2.5252% | 2,705 |
| Noncurrent loans to loans | 2.9442% | 2,551 |
| Net loans and leases to total assets | 67.5232% | 2,650 |
| Net loans and leases to deposits | 82.0733% | 2,353 |
| Net loans and leases to core deposits | 88.7609% | 2,511 |
| Total domestic deposits to total assets | 82.2719% | 5,199 |
| Equity capital to assets | 10.3453% | 3,356 |
| Core capital (leverage) ratio | 8.2448% | 5,914 |
| Tier 1 risk-based capital ratio | 11.5046% | 6,102 |
| Total risk-based capital ratio | 12.7693% | 6,067 |
| Memoranda: | ||
| Average total assets | $5,282,307,000 | 164 |
| Average earning assets | $4,836,657,000 | 162 |
| Average equity | $549,238,500 | 182 |
| Average total loans | $3,694,345,000 | 154 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 6,579 |
| Cost of funding earning assets | 0.8257% | 6,460 |
| Net interest margin | 3.5944% | 4,843 |
| Noninterest income to average assets | 0.8635% | 2,002 |
| Noninterest expense to average assets | 2.5810% | 5,498 |
| Loan and lease loss provision to assets | 0.8779% | 1,866 |
| Net operating income to assets | 0.5173% | 4,015 |
| Return on assets (ROA) | 0.5173% | 4,172 |
| Pretax return on assets | 0.6989% | 3,981 |
| Return on Equity (ROE) | 4.9846% | 4,072 |
| Retained earnings to average equity (ytd only) | -5.4591% | 6,344 |
| Net charge-offs to loans | 1.0029% | 2,188 |
| Credit loss provision to net charge-offs | 123.5404% | 3,351 |
| Earnings coverage of net charge-offs (x) | 2.2190% | 4,059 |
| Efficiency ratio | 61.2867% | 5,848 |
| Assets per employee ($millions) | 3.2573% | 5,520 |
| Cash dividends to net income (ytd only)* | 209.5196% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4183% | 1,527 |
| Loan loss allowance to noncurrent loans | 81.1159% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 2.6255% | 2,652 |
| Noncurrent loans to loans | 2.9813% | 2,564 |
| Net loans and leases to total assets | 68.9726% | 2,754 |
| Net loans and leases to deposits | 83.3932% | 2,555 |
| Net loans and leases to core deposits | 90.4938% | 2,695 |
| Total domestic deposits to total assets | 82.7077% | 4,927 |
| Equity capital to assets | 10.4510% | 3,209 |
| Core capital (leverage) ratio | 8.2098% | 5,810 |
| Tier 1 risk-based capital ratio | 11.4260% | 5,968 |
| Total risk-based capital ratio | 12.6908% | 5,953 |
| Memoranda: | ||
| Average total assets | $5,194,366,600 | 165 |
| Average earning assets | $4,760,800,000 | 162 |
| Average equity | $539,083,800 | 181 |
| Average total loans | $3,680,562,600 | 150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 6,889 |
| Cost of funding earning assets | 0.8394% | 6,617 |
| Net interest margin | 3.5130% | 5,236 |
| Noninterest income to average assets | 0.8708% | 1,908 |
| Noninterest expense to average assets | 2.5144% | 5,661 |
| Loan and lease loss provision to assets | 0.9080% | 1,665 |
| Net operating income to assets | 0.4882% | 4,371 |
| Return on assets (ROA) | 0.4898% | 4,560 |
| Pretax return on assets | 0.6702% | 4,348 |
| Return on Equity (ROE) | 4.7276% | 4,436 |
| Retained earnings to average equity (ytd only) | -7.8853% | 6,764 |
| Net charge-offs to loans | 0.9657% | 2,069 |
| Credit loss provision to net charge-offs | 132.6071% | 3,045 |
| Earnings coverage of net charge-offs (x) | 2.3018% | 4,011 |
| Efficiency ratio | 60.7527% | 5,830 |
| Assets per employee ($millions) | 3.4386% | 5,123 |
| Cash dividends to net income (ytd only)* | 266.7927% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4456% | 1,403 |
| Loan loss allowance to noncurrent loans | 75.0247% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 2.6288% | 2,754 |
| Noncurrent loans to loans | 3.2598% | 2,429 |
| Net loans and leases to total assets | 66.2286% | 3,635 |
| Net loans and leases to deposits | 79.9278% | 3,467 |
| Net loans and leases to core deposits | 86.4066% | 3,595 |
| Total domestic deposits to total assets | 82.8605% | 4,646 |
| Equity capital to assets | 10.1648% | 3,927 |
| Core capital (leverage) ratio | 8.6261% | 5,304 |
| Tier 1 risk-based capital ratio | 12.1394% | 5,326 |
| Total risk-based capital ratio | 13.4044% | 5,277 |
| Memoranda: | ||
| Average total assets | $5,183,522,000 | 165 |
| Average earning assets | $4,750,654,250 | 161 |
| Average equity | $537,005,000 | 180 |
| Average total loans | $3,675,168,000 | 147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 6,214 |
| Cost of funding earning assets | 0.9488% | 6,383 |
| Net interest margin | 3.7303% | 4,230 |
| Noninterest income to average assets | 0.9810% | 1,435 |
| Noninterest expense to average assets | 2.6557% | 5,098 |
| Loan and lease loss provision to assets | 1.2380% | 1,131 |
| Net operating income to assets | 0.3896% | 4,797 |
| Return on assets (ROA) | 0.3896% | 4,959 |
| Pretax return on assets | 0.5246% | 4,830 |
| Return on Equity (ROE) | 3.7258% | 4,912 |
| Retained earnings to average equity (ytd only) | -16.5140% | 7,153 |
| Net charge-offs to loans | 1.1988% | 1,584 |
| Credit loss provision to net charge-offs | 146.9039% | 2,687 |
| Earnings coverage of net charge-offs (x) | 2.0915% | 3,981 |
| Efficiency ratio | 59.8289% | 6,074 |
| Assets per employee ($millions) | 2.9534% | 6,236 |
| Cash dividends to net income (ytd only)* | 543.2306% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9434% | 870 |
| Loan loss allowance to noncurrent loans | 76.8169% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 3.1161% | 2,271 |
| Noncurrent loans to loans | 3.8317% | 2,010 |
| Net loans and leases to total assets | 68.2439% | 3,304 |
| Net loans and leases to deposits | 83.6628% | 2,936 |
| Net loans and leases to core deposits | 87.1189% | 3,671 |
| Total domestic deposits to total assets | 81.5702% | 5,169 |
| Equity capital to assets | 9.8141% | 4,247 |
| Core capital (leverage) ratio | 8.7426% | 5,017 |
| Tier 1 risk-based capital ratio | 12.4622% | 4,898 |
| Total risk-based capital ratio | 13.7341% | 4,854 |
| Memoranda: | ||
| Average total assets | $4,280,938,000 | 191 |
| Average earning assets | $3,944,637,670 | 186 |
| Average equity | $447,631,330 | 196 |
| Average total loans | $3,009,590,670 | 179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 6,220 |
| Cost of funding earning assets | 0.9932% | 6,408 |
| Net interest margin | 3.7130% | 4,176 |
| Noninterest income to average assets | 0.9529% | 1,443 |
| Noninterest expense to average assets | 2.6703% | 5,060 |
| Loan and lease loss provision to assets | 1.3133% | 915 |
| Net operating income to assets | 0.3176% | 5,220 |
| Return on assets (ROA) | 0.3176% | 5,348 |
| Pretax return on assets | 0.3828% | 5,348 |
| Return on Equity (ROE) | 2.9462% | 5,358 |
| Retained earnings to average equity (ytd only) | -1.2303% | 6,087 |
| Net charge-offs to loans | 1.4260% | 1,211 |
| Credit loss provision to net charge-offs | 131.0125% | 2,694 |
| Earnings coverage of net charge-offs (x) | 1.6920% | 3,717 |
| Efficiency ratio | 60.8366% | 6,026 |
| Assets per employee ($millions) | 3.0048% | 6,204 |
| Cash dividends to net income (ytd only)* | 141.7602% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8115% | 971 |
| Loan loss allowance to noncurrent loans | 77.8571% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 2.9552% | 2,435 |
| Noncurrent loans to loans | 3.6111% | 2,202 |
| Net loans and leases to total assets | 67.8935% | 3,413 |
| Net loans and leases to deposits | 83.7251% | 2,983 |
| Net loans and leases to core deposits | 87.0477% | 3,739 |
| Total domestic deposits to total assets | 81.0910% | 5,428 |
| Equity capital to assets | 10.7126% | 3,035 |
| Core capital (leverage) ratio | 9.6280% | 3,604 |
| Tier 1 risk-based capital ratio | 13.8139% | 3,790 |
| Total risk-based capital ratio | 15.0841% | 3,735 |
| Memoranda: | ||
| Average total assets | $4,263,933,500 | 198 |
| Average earning assets | $3,920,112,000 | 193 |
| Average equity | $459,710,000 | 191 |
| Average total loans | $2,997,390,000 | 185 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 5,826 |
| Cost of funding earning assets | 1.2128% | 6,615 |
| Net interest margin | 3.9485% | 3,086 |
| Noninterest income to average assets | 0.9850% | 1,626 |
| Noninterest expense to average assets | 2.7972% | 4,985 |
| Loan and lease loss provision to assets | 1.4511% | 1,587 |
| Net operating income to assets | 0.2906% | 4,570 |
| Return on assets (ROA) | 0.2925% | 4,648 |
| Pretax return on assets | 0.3654% | 4,595 |
| Return on Equity (ROE) | 2.6169% | 4,653 |
| Retained earnings to average equity (ytd only) | 2.6169% | 3,313 |
| Net charge-offs to loans | 1.1750% | 2,085 |
| Credit loss provision to net charge-offs | 167.5422% | 2,574 |
| Earnings coverage of net charge-offs (x) | 2.0946% | 4,165 |
| Efficiency ratio | 60.2764% | 6,444 |
| Assets per employee ($millions) | 2.9734% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6933% | 1,018 |
| Loan loss allowance to noncurrent loans | 68.3229% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 3.1974% | 2,151 |
| Noncurrent loans to loans | 3.9421% | 1,881 |
| Net loans and leases to total assets | 68.8342% | 3,525 |
| Net loans and leases to deposits | 85.4404% | 3,007 |
| Net loans and leases to core deposits | 97.0509% | 4,343 |
| Total domestic deposits to total assets | 80.5641% | 5,485 |
| Equity capital to assets | 10.8508% | 2,819 |
| Core capital (leverage) ratio | 9.7995% | 3,325 |
| Tier 1 risk-based capital ratio | 13.8022% | 3,629 |
| Total risk-based capital ratio | 15.0709% | 3,558 |
| Memoranda: | ||
| Average total assets | $4,065,918,200 | 205 |
| Average earning assets | $3,734,210,600 | 201 |
| Average equity | $454,396,400 | 195 |
| Average total loans | $2,997,000,400 | 194 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 5,820 |
| Cost of funding earning assets | 1.2413% | 6,754 |
| Net interest margin | 3.9729% | 2,931 |
| Noninterest income to average assets | 1.0220% | 1,526 |
| Noninterest expense to average assets | 2.8871% | 4,514 |
| Loan and lease loss provision to assets | 1.4388% | 1,333 |
| Net operating income to assets | 0.2830% | 4,849 |
| Return on assets (ROA) | 0.2855% | 4,945 |
| Pretax return on assets | 0.3537% | 4,917 |
| Return on Equity (ROE) | 2.5353% | 4,970 |
| Retained earnings to average equity (ytd only) | 2.5353% | 3,900 |
| Net charge-offs to loans | 1.0220% | 1,932 |
| Credit loss provision to net charge-offs | 188.9832% | 2,407 |
| Earnings coverage of net charge-offs (x) | 2.3502% | 4,062 |
| Efficiency ratio | 61.3336% | 6,221 |
| Assets per employee ($millions) | 2.9921% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5740% | 993 |
| Loan loss allowance to noncurrent loans | 60.1209% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 3.4663% | 1,929 |
| Noncurrent loans to loans | 4.2814% | 1,677 |
| Net loans and leases to total assets | 68.8374% | 3,759 |
| Net loans and leases to deposits | 86.1700% | 3,284 |
| Net loans and leases to core deposits | 96.4814% | 4,757 |
| Total domestic deposits to total assets | 79.8856% | 5,476 |
| Equity capital to assets | 10.7393% | 3,257 |
| Core capital (leverage) ratio | 9.9711% | 3,319 |
| Tier 1 risk-based capital ratio | 13.7354% | 3,692 |
| Total risk-based capital ratio | 15.0028% | 3,636 |
| Memoranda: | ||
| Average total assets | $4,021,631,500 | 217 |
| Average earning assets | $3,699,307,000 | 217 |
| Average equity | $452,894,000 | 199 |
| Average total loans | $2,995,870,000 | 204 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 5,414 |
| Cost of funding earning assets | 1.2747% | 6,885 |
| Net interest margin | 4.0706% | 2,433 |
| Noninterest income to average assets | 1.0283% | 1,505 |
| Noninterest expense to average assets | 2.9221% | 4,422 |
| Loan and lease loss provision to assets | 1.4815% | 1,156 |
| Net operating income to assets | 0.2886% | 4,948 |
| Return on assets (ROA) | 0.2925% | 5,036 |
| Pretax return on assets | 0.3621% | 5,041 |
| Return on Equity (ROE) | 2.5547% | 5,075 |
| Retained earnings to average equity (ytd only) | 2.5547% | 3,906 |
| Net charge-offs to loans | 1.0899% | 1,667 |
| Credit loss provision to net charge-offs | 179.1411% | 2,554 |
| Earnings coverage of net charge-offs (x) | 2.2234% | 3,954 |
| Efficiency ratio | 60.9304% | 6,409 |
| Assets per employee ($millions) | 2.7582% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 1,068 |
| Loan loss allowance to noncurrent loans | 58.0822% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 3.4544% | 1,803 |
| Noncurrent loans to loans | 4.0109% | 1,688 |
| Net loans and leases to total assets | 73.4859% | 2,848 |
| Net loans and leases to deposits | 93.6841% | 2,142 |
| Net loans and leases to core deposits | 105.1481% | 3,941 |
| Total domestic deposits to total assets | 78.4401% | 5,967 |
| Equity capital to assets | 11.3856% | 2,609 |
| Core capital (leverage) ratio | 10.1780% | 3,118 |
| Tier 1 risk-based capital ratio | 13.7602% | 3,647 |
| Total risk-based capital ratio | 15.0247% | 3,576 |
| Memoranda: | ||
| Average total assets | $3,941,913,000 | 225 |
| Average earning assets | $3,614,624,000 | 221 |
| Average equity | $451,333,000 | 203 |
| Average total loans | $2,990,991,000 | 208 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 5,413 |
| Cost of funding earning assets | 1.3118% | 6,988 |
| Net interest margin | 4.0912% | 2,311 |
| Noninterest income to average assets | 0.9939% | 1,496 |
| Noninterest expense to average assets | 2.9067% | 4,137 |
| Loan and lease loss provision to assets | 1.4296% | 888 |
| Net operating income to assets | 0.3184% | 5,227 |
| Return on assets (ROA) | 0.3184% | 5,394 |
| Pretax return on assets | 0.3938% | 5,413 |
| Return on Equity (ROE) | 2.7729% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.7729% | 4,336 |
| Net charge-offs to loans | 1.1382% | 1,208 |
| Credit loss provision to net charge-offs | 164.8222% | 2,591 |
| Earnings coverage of net charge-offs (x) | 2.1023% | 3,673 |
| Efficiency ratio | 61.0129% | 6,250 |
| Assets per employee ($millions) | 2.8082% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0994% | 1,238 |
| Loan loss allowance to noncurrent loans | 59.5970% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.1365% | 1,790 |
| Noncurrent loans to loans | 3.5227% | 1,805 |
| Net loans and leases to total assets | 73.5234% | 2,882 |
| Net loans and leases to deposits | 93.9633% | 2,270 |
| Net loans and leases to core deposits | 105.2210% | 4,003 |
| Total domestic deposits to total assets | 78.2469% | 5,930 |
| Equity capital to assets | 11.3723% | 2,675 |
| Core capital (leverage) ratio | 10.2282% | 3,173 |
| Tier 1 risk-based capital ratio | 13.7651% | 3,714 |
| Total risk-based capital ratio | 15.0266% | 3,633 |
| Memoranda: | ||
| Average total assets | $3,917,281,000 | 223 |
| Average earning assets | $3,577,427,500 | 219 |
| Average equity | $449,789,500 | 203 |
| Average total loans | $2,985,032,500 | 206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0206% | 5,448 |
| Cost of funding earning assets | 1.8247% | 6,942 |
| Net interest margin | 4.1958% | 2,330 |
| Noninterest income to average assets | 1.0403% | 1,454 |
| Noninterest expense to average assets | 2.8077% | 4,792 |
| Loan and lease loss provision to assets | 1.3004% | 1,093 |
| Net operating income to assets | 0.5397% | 4,575 |
| Return on assets (ROA) | 0.5634% | 4,322 |
| Pretax return on assets | 0.8037% | 4,058 |
| Return on Equity (ROE) | 4.3592% | 4,657 |
| Retained earnings to average equity (ytd only) | -7.7077% | 6,862 |
| Net charge-offs to loans | 1.0968% | 1,110 |
| Credit loss provision to net charge-offs | 155.8639% | 3,346 |
| Earnings coverage of net charge-offs (x) | 2.4814% | 4,832 |
| Efficiency ratio | 56.7219% | 6,905 |
| Assets per employee ($millions) | 2.7307% | 6,718 |
| Cash dividends to net income (ytd only)* | 276.8134% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 1,397 |
| Loan loss allowance to noncurrent loans | 61.1343% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 2.9182% | 1,588 |
| Noncurrent loans to loans | 3.1212% | 1,699 |
| Net loans and leases to total assets | 75.8565% | 2,663 |
| Net loans and leases to deposits | 98.4570% | 2,060 |
| Net loans and leases to core deposits | 110.9716% | 3,690 |
| Total domestic deposits to total assets | 77.0453% | 5,975 |
| Equity capital to assets | 11.5949% | 2,575 |
| Core capital (leverage) ratio | 10.4979% | 2,980 |
| Tier 1 risk-based capital ratio | 13.6760% | 3,707 |
| Total risk-based capital ratio | 14.9351% | 3,623 |
| Memoranda: | ||
| Average total assets | $3,783,379,000 | 219 |
| Average earning assets | $3,460,409,200 | 216 |
| Average equity | $488,939,600 | 195 |
| Average total loans | $2,878,101,400 | 206 |