Home > City National Bank of Florida > Performance and Condition Ratios
City National Bank of Florida, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 2,460 |
| Cost of funding earning assets | 2.7460% | 228 |
| Net interest margin | 2.0584% | 4,394 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.3866% | 4,398 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6418% | 3,333 |
| Return on assets (ROA) | 0.6299% | 3,340 |
| Pretax return on assets | 0.8035% | 3,205 |
| Return on Equity (ROE) | 7.5300% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.5268% | 1,693 |
| Net charge-offs to loans | 0.1232% | 796 |
| Credit loss provision to net charge-offs | 77.7418% | 2,037 |
| Earnings coverage of net charge-offs (x) | 10.8204% | 2,222 |
| Efficiency ratio | 55.8384% | 3,514 |
| Assets per employee ($millions) | 28.4433% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,038 |
| Loan loss allowance to noncurrent loans | 165.6110% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 1,713 |
| Noncurrent loans to loans | 0.4611% | 1,627 |
| Net loans and leases to total assets | 66.6500% | 2,180 |
| Net loans and leases to deposits | 82.8031% | 1,887 |
| Net loans and leases to core deposits | 103.8992% | 1,220 |
| Total domestic deposits to total assets | 80.5000% | 3,379 |
| Equity capital to assets | 9.0531% | 2,638 |
| Core capital (leverage) ratio | 9.8958% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7163% | 1,623 |
| Memoranda: | ||
| Average total assets | $25,991,152,200 | 80 |
| Average earning assets | $24,321,807,800 | 76 |
| Average equity | $2,175,078,800 | 92 |
| Average total loans | $17,281,050,800 | 74 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 2,454 |
| Cost of funding earning assets | 2.5819% | 244 |
| Net interest margin | 2.1261% | 4,396 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.3146% | 4,438 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7831% | 3,076 |
| Return on assets (ROA) | 0.7817% | 3,069 |
| Pretax return on assets | 1.0095% | 2,828 |
| Return on Equity (ROE) | 9.5400% | 2,788 |
| Retained earnings to average equity (ytd only) | 9.5369% | 1,541 |
| Net charge-offs to loans | 0.0074% | 2,146 |
| Credit loss provision to net charge-offs | 268.3333% | 950 |
| Earnings coverage of net charge-offs (x) | 209.0208% | 577 |
| Efficiency ratio | 50.9265% | 3,840 |
| Assets per employee ($millions) | 27.8199% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 3,991 |
| Loan loss allowance to noncurrent loans | 108.9262% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 1,169 |
| Noncurrent loans to loans | 0.7318% | 1,131 |
| Net loans and leases to total assets | 67.1200% | 2,153 |
| Net loans and leases to deposits | 81.3529% | 1,949 |
| Net loans and leases to core deposits | 104.8543% | 1,068 |
| Total domestic deposits to total assets | 82.5000% | 3,120 |
| Equity capital to assets | 8.1961% | 2,928 |
| Core capital (leverage) ratio | 9.4691% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0339% | 1,883 |
| Memoranda: | ||
| Average total assets | $25,954,100,000 | 81 |
| Average earning assets | $24,275,365,750 | 78 |
| Average equity | $2,127,246,000 | 94 |
| Average total loans | $17,212,134,250 | 74 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 2,441 |
| Cost of funding earning assets | 2.3399% | 253 |
| Net interest margin | 2.2470% | 4,391 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.3212% | 4,462 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8408% | 2,953 |
| Return on assets (ROA) | 0.8447% | 2,951 |
| Pretax return on assets | 1.0903% | 2,672 |
| Return on Equity (ROE) | 10.3100% | 2,620 |
| Retained earnings to average equity (ytd only) | 10.3062% | 1,330 |
| Net charge-offs to loans | 0.0030% | 2,229 |
| Credit loss provision to net charge-offs | 2,797.6471% | 200 |
| Earnings coverage of net charge-offs (x) | 570.1216% | 256 |
| Efficiency ratio | 49.0422% | 3,993 |
| Assets per employee ($millions) | 25.0112% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 3,943 |
| Loan loss allowance to noncurrent loans | 139.3854% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 1,346 |
| Noncurrent loans to loans | 0.5981% | 1,246 |
| Net loans and leases to total assets | 65.8600% | 2,171 |
| Net loans and leases to deposits | 78.7937% | 2,064 |
| Net loans and leases to core deposits | 100.8823% | 1,188 |
| Total domestic deposits to total assets | 83.5900% | 2,915 |
| Equity capital to assets | 8.3350% | 2,996 |
| Core capital (leverage) ratio | 9.2826% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8328% | 1,968 |
| Memoranda: | ||
| Average total assets | $25,925,663,333 | 79 |
| Average earning assets | $24,243,640,667 | 76 |
| Average equity | $2,124,924,000 | 92 |
| Average total loans | $17,077,243,667 | 73 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 2,423 |
| Cost of funding earning assets | 2.0426% | 272 |
| Net interest margin | 2.4096% | 4,377 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.3537% | 4,506 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9064% | 2,833 |
| Return on assets (ROA) | 0.9128% | 2,770 |
| Pretax return on assets | 1.1852% | 2,461 |
| Return on Equity (ROE) | 11.2300% | 2,431 |
| Retained earnings to average equity (ytd only) | 11.2339% | 1,418 |
| Net charge-offs to loans | 0.0065% | 1,706 |
| Credit loss provision to net charge-offs | 1,878.6232% | 208 |
| Earnings coverage of net charge-offs (x) | 284.3225% | 380 |
| Efficiency ratio | 47.7757% | 4,092 |
| Assets per employee ($millions) | 25.7411% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 4,004 |
| Loan loss allowance to noncurrent loans | 294.2631% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,215 |
| Noncurrent loans to loans | 0.2863% | 2,121 |
| Net loans and leases to total assets | 64.5600% | 2,196 |
| Net loans and leases to deposits | 76.6125% | 2,069 |
| Net loans and leases to core deposits | 95.7970% | 1,297 |
| Total domestic deposits to total assets | 84.2700% | 3,037 |
| Equity capital to assets | 8.1799% | 3,121 |
| Core capital (leverage) ratio | 9.2546% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5443% | 2,165 |
| Memoranda: | ||
| Average total assets | $25,732,601,000 | 83 |
| Average earning assets | $24,029,866,000 | 80 |
| Average equity | $2,090,843,500 | 98 |
| Average total loans | $16,877,958,000 | 77 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 2,881 |
| Cost of funding earning assets | 0.6883% | 615 |
| Net interest margin | 2.8831% | 3,720 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.4679% | 4,456 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1865% | 1,824 |
| Return on assets (ROA) | 1.1720% | 1,822 |
| Pretax return on assets | 1.5554% | 1,280 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 13.2337% | 476 |
| Net charge-offs to loans | 0.0088% | 2,059 |
| Credit loss provision to net charge-offs | 1,321.9384% | 355 |
| Earnings coverage of net charge-offs (x) | 288.9361% | 503 |
| Efficiency ratio | 42.5983% | 4,472 |
| Assets per employee ($millions) | 23.9261% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 3,689 |
| Loan loss allowance to noncurrent loans | 333.5748% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 2,266 |
| Noncurrent loans to loans | 0.2770% | 2,164 |
| Net loans and leases to total assets | 65.5900% | 2,080 |
| Net loans and leases to deposits | 81.6720% | 1,643 |
| Net loans and leases to core deposits | 97.6736% | 1,116 |
| Total domestic deposits to total assets | 80.3100% | 3,831 |
| Equity capital to assets | 8.0823% | 3,009 |
| Core capital (leverage) ratio | 9.4037% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7851% | 2,060 |
| Memoranda: | ||
| Average total assets | $23,318,637,200 | 90 |
| Average earning assets | $21,739,702,600 | 86 |
| Average equity | $2,065,209,400 | 103 |
| Average total loans | $15,042,138,400 | 85 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 3,109 |
| Cost of funding earning assets | 0.3962% | 1,320 |
| Net interest margin | 2.9312% | 3,408 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.5004% | 4,421 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.2202% | 1,629 |
| Return on assets (ROA) | 1.2016% | 1,663 |
| Pretax return on assets | 1.5711% | 1,203 |
| Return on Equity (ROE) | 13.2500% | 1,626 |
| Retained earnings to average equity (ytd only) | 13.2482% | 579 |
| Net charge-offs to loans | 0.0074% | 1,869 |
| Credit loss provision to net charge-offs | 1,685.1852% | 282 |
| Earnings coverage of net charge-offs (x) | 354.1642% | 423 |
| Efficiency ratio | 42.7556% | 4,504 |
| Assets per employee ($millions) | 22.6580% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,717 |
| Loan loss allowance to noncurrent loans | 299.3174% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 2,215 |
| Noncurrent loans to loans | 0.3150% | 2,117 |
| Net loans and leases to total assets | 65.5500% | 1,927 |
| Net loans and leases to deposits | 81.4648% | 1,487 |
| Net loans and leases to core deposits | 90.0385% | 1,293 |
| Total domestic deposits to total assets | 80.4600% | 4,059 |
| Equity capital to assets | 8.0976% | 2,839 |
| Core capital (leverage) ratio | 9.5904% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7620% | 2,147 |
| Memoranda: | ||
| Average total assets | $22,843,773,000 | 93 |
| Average earning assets | $21,297,541,000 | 89 |
| Average equity | $2,071,963,750 | 105 |
| Average total loans | $14,628,876,750 | 88 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1466% | 3,194 |
| Cost of funding earning assets | 0.2356% | 2,443 |
| Net interest margin | 2.9111% | 3,135 |
| Noninterest income to average assets | 0.4510% | 2,440 |
| Noninterest expense to average assets | 1.4820% | 4,441 |
| Loan and lease loss provision to assets | 0.0536% | 1,621 |
| Net operating income to assets | 1.2482% | 1,282 |
| Return on assets (ROA) | 1.2318% | 1,305 |
| Pretax return on assets | 1.6089% | 915 |
| Return on Equity (ROE) | 13.0767% | 1,367 |
| Retained earnings to average equity (ytd only) | 13.0767% | 457 |
| Net charge-offs to loans | -0.0010% | 3,035 |
| Credit loss provision to net charge-offs | -8,823.5294% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2141% | 4,563 |
| Assets per employee ($millions) | 22.7902% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,747 |
| Loan loss allowance to noncurrent loans | 506.2300% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 2,822 |
| Noncurrent loans to loans | 0.1906% | 2,753 |
| Net loans and leases to total assets | 63.7983% | 1,933 |
| Net loans and leases to deposits | 76.9706% | 1,613 |
| Net loans and leases to core deposits | 79.4809% | 1,751 |
| Total domestic deposits to total assets | 82.8866% | 3,893 |
| Equity capital to assets | 8.7450% | 2,577 |
| Core capital (leverage) ratio | 9.7512% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2271% | 1,966 |
| Memoranda: | ||
| Average total assets | $22,399,676,333 | 93 |
| Average earning assets | $20,884,713,333 | 92 |
| Average equity | $2,110,060,667 | 104 |
| Average total loans | $14,172,634,333 | 88 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9989% | 3,262 |
| Cost of funding earning assets | 0.2055% | 2,717 |
| Net interest margin | 2.7933% | 3,164 |
| Noninterest income to average assets | 0.4323% | 2,482 |
| Noninterest expense to average assets | 1.4982% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1806% | 1,297 |
| Return on assets (ROA) | 1.1624% | 1,345 |
| Pretax return on assets | 1.5134% | 993 |
| Return on Equity (ROE) | 11.8914% | 1,350 |
| Retained earnings to average equity (ytd only) | 11.8914% | 620 |
| Net charge-offs to loans | 0.0050% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 488.6879% | 211 |
| Efficiency ratio | 44.4797% | 4,543 |
| Assets per employee ($millions) | 22.5521% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 3,826 |
| Loan loss allowance to noncurrent loans | 222.1778% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 1,977 |
| Noncurrent loans to loans | 0.4376% | 1,932 |
| Net loans and leases to total assets | 63.5247% | 1,685 |
| Net loans and leases to deposits | 74.6483% | 1,548 |
| Net loans and leases to core deposits | 76.5889% | 1,739 |
| Total domestic deposits to total assets | 85.0988% | 3,522 |
| Equity capital to assets | 9.4417% | 2,330 |
| Core capital (leverage) ratio | 9.7043% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4646% | 2,006 |
| Memoranda: | ||
| Average total assets | $22,010,675,500 | 95 |
| Average earning assets | $20,505,386,500 | 94 |
| Average equity | $2,151,645,500 | 106 |
| Average total loans | $13,793,429,500 | 90 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 3,749 |
| Cost of funding earning assets | 0.2453% | 2,988 |
| Net interest margin | 2.8210% | 3,615 |
| Noninterest income to average assets | 0.4068% | 3,013 |
| Noninterest expense to average assets | 1.4413% | 4,594 |
| Loan and lease loss provision to assets | -0.0346% | 4,291 |
| Net operating income to assets | 1.1990% | 1,926 |
| Return on assets (ROA) | 1.2109% | 1,939 |
| Pretax return on assets | 1.6202% | 1,370 |
| Return on Equity (ROE) | 11.5949% | 1,951 |
| Retained earnings to average equity (ytd only) | 11.5949% | 595 |
| Net charge-offs to loans | 0.0051% | 2,408 |
| Credit loss provision to net charge-offs | -1,083.5913% | 3,938 |
| Earnings coverage of net charge-offs (x) | 491.5604% | 281 |
| Efficiency ratio | 42.2237% | 4,632 |
| Assets per employee ($millions) | 22.8991% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,890 |
| Loan loss allowance to noncurrent loans | 149.6776% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 1,627 |
| Noncurrent loans to loans | 0.6454% | 1,544 |
| Net loans and leases to total assets | 60.6622% | 2,091 |
| Net loans and leases to deposits | 72.1508% | 1,893 |
| Net loans and leases to core deposits | 74.3170% | 2,053 |
| Total domestic deposits to total assets | 84.0770% | 3,538 |
| Equity capital to assets | 10.0604% | 2,600 |
| Core capital (leverage) ratio | 9.7567% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1369% | 1,801 |
| Memoranda: | ||
| Average total assets | $20,219,821,600 | 98 |
| Average earning assets | $18,671,265,000 | 97 |
| Average equity | $2,111,652,600 | 107 |
| Average total loans | $12,690,318,400 | 96 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1019% | 3,803 |
| Cost of funding earning assets | 0.2581% | 3,032 |
| Net interest margin | 2.8438% | 3,672 |
| Noninterest income to average assets | 0.3967% | 3,106 |
| Noninterest expense to average assets | 1.4624% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1717% | 2,265 |
| Return on assets (ROA) | 1.1896% | 2,260 |
| Pretax return on assets | 1.5757% | 1,776 |
| Return on Equity (ROE) | 11.2770% | 2,281 |
| Retained earnings to average equity (ytd only) | 11.2770% | 995 |
| Net charge-offs to loans | 0.0069% | 2,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 355.3945% | 389 |
| Efficiency ratio | 42.6961% | 4,637 |
| Assets per employee ($millions) | 22.2380% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,478 |
| Loan loss allowance to noncurrent loans | 171.3411% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 1,824 |
| Noncurrent loans to loans | 0.6371% | 1,714 |
| Net loans and leases to total assets | 60.0171% | 2,261 |
| Net loans and leases to deposits | 72.1290% | 2,040 |
| Net loans and leases to core deposits | 74.7500% | 2,168 |
| Total domestic deposits to total assets | 83.2080% | 3,653 |
| Equity capital to assets | 10.4754% | 2,471 |
| Core capital (leverage) ratio | 9.6196% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0536% | 1,598 |
| Memoranda: | ||
| Average total assets | $19,801,903,500 | 101 |
| Average earning assets | $18,234,200,000 | 99 |
| Average equity | $2,088,972,000 | 109 |
| Average total loans | $12,510,547,500 | 99 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1414% | 3,782 |
| Cost of funding earning assets | 0.2750% | 3,041 |
| Net interest margin | 2.8664% | 3,643 |
| Noninterest income to average assets | 0.4001% | 3,109 |
| Noninterest expense to average assets | 1.5220% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1378% | 2,406 |
| Return on assets (ROA) | 1.1656% | 2,373 |
| Pretax return on assets | 1.5438% | 1,892 |
| Return on Equity (ROE) | 11.0214% | 2,414 |
| Retained earnings to average equity (ytd only) | 11.0214% | 1,118 |
| Net charge-offs to loans | 0.0086% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 274.3482% | 395 |
| Efficiency ratio | 44.3608% | 4,594 |
| Assets per employee ($millions) | 22.2367% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,431 |
| Loan loss allowance to noncurrent loans | 197.8886% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 2,142 |
| Noncurrent loans to loans | 0.5538% | 2,014 |
| Net loans and leases to total assets | 60.9462% | 2,315 |
| Net loans and leases to deposits | 73.8708% | 2,014 |
| Net loans and leases to core deposits | 76.9009% | 2,148 |
| Total domestic deposits to total assets | 82.5038% | 3,822 |
| Equity capital to assets | 10.4122% | 2,477 |
| Core capital (leverage) ratio | 9.5633% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0926% | 1,600 |
| Memoranda: | ||
| Average total assets | $19,530,983,000 | 101 |
| Average earning assets | $17,923,596,667 | 102 |
| Average equity | $2,065,473,000 | 110 |
| Average total loans | $12,511,110,000 | 98 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 3,723 |
| Cost of funding earning assets | 0.3083% | 2,905 |
| Net interest margin | 2.8708% | 3,591 |
| Noninterest income to average assets | 0.4132% | 3,022 |
| Noninterest expense to average assets | 1.6291% | 4,491 |
| Loan and lease loss provision to assets | 0.0313% | 2,363 |
| Net operating income to assets | 1.0387% | 2,673 |
| Return on assets (ROA) | 1.1008% | 2,549 |
| Pretax return on assets | 1.4580% | 2,113 |
| Return on Equity (ROE) | 10.3253% | 2,590 |
| Retained earnings to average equity (ytd only) | 10.3253% | 1,568 |
| Net charge-offs to loans | 0.0184% | 1,373 |
| Credit loss provision to net charge-offs | 259.5156% | 802 |
| Earnings coverage of net charge-offs (x) | 117.0208% | 557 |
| Efficiency ratio | 47.3406% | 4,381 |
| Assets per employee ($millions) | 22.6140% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,457 |
| Loan loss allowance to noncurrent loans | 184.7738% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 2,178 |
| Noncurrent loans to loans | 0.5929% | 2,084 |
| Net loans and leases to total assets | 63.1580% | 2,150 |
| Net loans and leases to deposits | 76.7031% | 1,835 |
| Net loans and leases to core deposits | 80.0845% | 1,994 |
| Total domestic deposits to total assets | 82.3409% | 3,823 |
| Equity capital to assets | 10.3455% | 2,398 |
| Core capital (leverage) ratio | 9.7745% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0726% | 1,546 |
| Memoranda: | ||
| Average total assets | $19,178,771,000 | 101 |
| Average earning assets | $17,546,793,500 | 104 |
| Average equity | $2,044,733,000 | 111 |
| Average total loans | $12,531,985,500 | 100 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 3,878 |
| Cost of funding earning assets | 0.6123% | 2,225 |
| Net interest margin | 2.9574% | 3,991 |
| Noninterest income to average assets | 0.4274% | 2,977 |
| Noninterest expense to average assets | 1.7267% | 4,586 |
| Loan and lease loss provision to assets | 0.5940% | 344 |
| Net operating income to assets | 0.5951% | 3,771 |
| Return on assets (ROA) | 0.6452% | 3,737 |
| Pretax return on assets | 0.8661% | 3,460 |
| Return on Equity (ROE) | 5.5837% | 3,713 |
| Retained earnings to average equity (ytd only) | 5.5837% | 2,005 |
| Net charge-offs to loans | 0.1129% | 1,348 |
| Credit loss provision to net charge-offs | 754.9413% | 949 |
| Earnings coverage of net charge-offs (x) | 17.7522% | 2,061 |
| Efficiency ratio | 49.0546% | 4,582 |
| Assets per employee ($millions) | 21.4960% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,455 |
| Loan loss allowance to noncurrent loans | 164.6966% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 2,230 |
| Noncurrent loans to loans | 0.6687% | 2,011 |
| Net loans and leases to total assets | 66.1813% | 2,079 |
| Net loans and leases to deposits | 82.3475% | 1,625 |
| Net loans and leases to core deposits | 86.6590% | 1,815 |
| Total domestic deposits to total assets | 80.3684% | 3,986 |
| Equity capital to assets | 10.9965% | 2,254 |
| Core capital (leverage) ratio | 9.8855% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7873% | 1,600 |
| Memoranda: | ||
| Average total assets | $17,105,317,800 | 103 |
| Average earning assets | $15,593,251,000 | 102 |
| Average equity | $1,976,442,800 | 109 |
| Average total loans | $11,919,982,600 | 101 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 4,111 |
| Cost of funding earning assets | 0.6767% | 2,161 |
| Net interest margin | 2.8815% | 4,207 |
| Noninterest income to average assets | 0.4345% | 2,910 |
| Noninterest expense to average assets | 1.5884% | 4,736 |
| Loan and lease loss provision to assets | 0.5906% | 431 |
| Net operating income to assets | 0.6662% | 3,576 |
| Return on assets (ROA) | 0.7207% | 3,487 |
| Pretax return on assets | 0.9510% | 3,231 |
| Return on Equity (ROE) | 6.1550% | 3,498 |
| Retained earnings to average equity (ytd only) | 5.8147% | 2,180 |
| Net charge-offs to loans | 0.0611% | 1,729 |
| Credit loss provision to net charge-offs | 1,371.7142% | 663 |
| Earnings coverage of net charge-offs (x) | 34.2016% | 1,482 |
| Efficiency ratio | 45.5355% | 4,739 |
| Assets per employee ($millions) | 21.0184% | 77 |
| Cash dividends to net income (ytd only)* | 5.5294% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 3,889 |
| Loan loss allowance to noncurrent loans | 104.8309% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 1,781 |
| Noncurrent loans to loans | 0.9062% | 1,647 |
| Net loans and leases to total assets | 70.6292% | 1,864 |
| Net loans and leases to deposits | 91.9768% | 1,073 |
| Net loans and leases to core deposits | 99.1070% | 1,232 |
| Total domestic deposits to total assets | 76.7903% | 4,351 |
| Equity capital to assets | 11.5499% | 1,968 |
| Core capital (leverage) ratio | 10.3455% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9152% | 1,527 |
| Memoranda: | ||
| Average total assets | $16,727,767,000 | 103 |
| Average earning assets | $15,247,711,000 | 103 |
| Average equity | $1,958,788,250 | 109 |
| Average total loans | $11,785,680,250 | 101 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,199 |
| Cost of funding earning assets | 0.7688% | 2,000 |
| Net interest margin | 2.8687% | 4,357 |
| Noninterest income to average assets | 0.3946% | 3,119 |
| Noninterest expense to average assets | 1.6245% | 4,756 |
| Loan and lease loss provision to assets | 0.4737% | 792 |
| Net operating income to assets | 0.6891% | 3,426 |
| Return on assets (ROA) | 0.7031% | 3,491 |
| Pretax return on assets | 0.9288% | 3,236 |
| Return on Equity (ROE) | 5.9757% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.9757% | 2,093 |
| Net charge-offs to loans | 0.0567% | 1,689 |
| Credit loss provision to net charge-offs | 1,190.6212% | 705 |
| Earnings coverage of net charge-offs (x) | 34.8060% | 1,339 |
| Efficiency ratio | 47.4330% | 4,659 |
| Assets per employee ($millions) | 20.2869% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6742% | 4,618 |
| Loan loss allowance to noncurrent loans | 146.0544% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 2,950 |
| Noncurrent loans to loans | 0.4616% | 2,758 |
| Net loans and leases to total assets | 71.6636% | 1,775 |
| Net loans and leases to deposits | 94.2501% | 941 |
| Net loans and leases to core deposits | 104.6784% | 960 |
| Total domestic deposits to total assets | 76.0356% | 4,426 |
| Equity capital to assets | 11.3930% | 2,048 |
| Core capital (leverage) ratio | 10.0374% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0903% | 1,771 |
| Memoranda: | ||
| Average total assets | $16,509,629,333 | 104 |
| Average earning assets | $15,047,093,333 | 105 |
| Average equity | $1,942,511,000 | 110 |
| Average total loans | $11,582,691,333 | 102 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 4,085 |
| Cost of funding earning assets | 0.9956% | 1,436 |
| Net interest margin | 2.8805% | 4,460 |
| Noninterest income to average assets | 0.4236% | 2,944 |
| Noninterest expense to average assets | 1.6537% | 4,818 |
| Loan and lease loss provision to assets | 0.3267% | 948 |
| Net operating income to assets | 0.8058% | 2,892 |
| Return on assets (ROA) | 0.8202% | 2,922 |
| Pretax return on assets | 1.0868% | 2,568 |
| Return on Equity (ROE) | 6.8530% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.8530% | 1,594 |
| Net charge-offs to loans | 0.1213% | 980 |
| Credit loss provision to net charge-offs | 389.7650% | 1,026 |
| Earnings coverage of net charge-offs (x) | 16.6477% | 1,518 |
| Efficiency ratio | 47.5828% | 4,778 |
| Assets per employee ($millions) | 18.4559% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5255% | 4,850 |
| Loan loss allowance to noncurrent loans | 140.2572% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 3,400 |
| Noncurrent loans to loans | 0.3746% | 3,141 |
| Net loans and leases to total assets | 68.5220% | 2,464 |
| Net loans and leases to deposits | 93.5876% | 1,114 |
| Net loans and leases to core deposits | 107.5673% | 965 |
| Total domestic deposits to total assets | 73.2170% | 4,711 |
| Equity capital to assets | 11.9966% | 2,074 |
| Core capital (leverage) ratio | 10.8132% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1822% | 2,204 |
| Memoranda: | ||
| Average total assets | $16,041,079,500 | 106 |
| Average earning assets | $14,620,223,500 | 106 |
| Average equity | $1,919,915,000 | 113 |
| Average total loans | $11,080,128,500 | 104 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 3,875 |
| Cost of funding earning assets | 1.2425% | 919 |
| Net interest margin | 2.9307% | 4,619 |
| Noninterest income to average assets | 0.4286% | 3,114 |
| Noninterest expense to average assets | 1.6312% | 4,928 |
| Loan and lease loss provision to assets | 0.1085% | 1,915 |
| Net operating income to assets | 1.0629% | 2,607 |
| Return on assets (ROA) | 1.0798% | 2,625 |
| Pretax return on assets | 1.4034% | 2,147 |
| Return on Equity (ROE) | 9.0358% | 2,739 |
| Retained earnings to average equity (ytd only) | 9.0358% | 699 |
| Net charge-offs to loans | 0.0115% | 3,280 |
| Credit loss provision to net charge-offs | 1,348.3072% | 257 |
| Earnings coverage of net charge-offs (x) | 185.2395% | 419 |
| Efficiency ratio | 45.3240% | 4,936 |
| Assets per employee ($millions) | 17.9807% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4470% | 4,948 |
| Loan loss allowance to noncurrent loans | 103.4202% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 3,231 |
| Noncurrent loans to loans | 0.4322% | 2,898 |
| Net loans and leases to total assets | 68.9581% | 2,545 |
| Net loans and leases to deposits | 92.1541% | 1,349 |
| Net loans and leases to core deposits | 104.1413% | 1,221 |
| Total domestic deposits to total assets | 74.8291% | 4,715 |
| Equity capital to assets | 11.9401% | 2,173 |
| Core capital (leverage) ratio | 10.8693% | 2,622 |
| Tier 1 risk-based capital ratio | 13.8473% | 3,341 |
| Total risk-based capital ratio | 14.2828% | 3,653 |
| Memoranda: | ||
| Average total assets | $15,050,029,000 | 103 |
| Average earning assets | $13,830,053,200 | 105 |
| Average equity | $1,798,552,600 | 113 |
| Average total loans | $10,573,545,000 | 105 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 3,767 |
| Cost of funding earning assets | 1.2921% | 806 |
| Net interest margin | 2.9718% | 4,660 |
| Noninterest income to average assets | 0.3944% | 3,356 |
| Noninterest expense to average assets | 1.6440% | 4,972 |
| Loan and lease loss provision to assets | 0.0954% | 2,008 |
| Net operating income to assets | 1.0611% | 2,732 |
| Return on assets (ROA) | 1.0776% | 2,749 |
| Pretax return on assets | 1.4073% | 2,284 |
| Return on Equity (ROE) | 9.0148% | 2,886 |
| Retained earnings to average equity (ytd only) | 9.0148% | 1,038 |
| Net charge-offs to loans | 0.0165% | 2,815 |
| Credit loss provision to net charge-offs | 820.0617% | 425 |
| Earnings coverage of net charge-offs (x) | 127.3755% | 616 |
| Efficiency ratio | 45.5809% | 4,954 |
| Assets per employee ($millions) | 17.8342% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4026% | 5,060 |
| Loan loss allowance to noncurrent loans | 123.4364% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,658 |
| Noncurrent loans to loans | 0.3262% | 3,363 |
| Net loans and leases to total assets | 70.1842% | 2,442 |
| Net loans and leases to deposits | 92.5862% | 1,360 |
| Net loans and leases to core deposits | 107.0366% | 1,108 |
| Total domestic deposits to total assets | 75.8042% | 4,669 |
| Equity capital to assets | 12.1007% | 2,182 |
| Core capital (leverage) ratio | 10.7561% | 2,885 |
| Tier 1 risk-based capital ratio | 13.7235% | 3,469 |
| Total risk-based capital ratio | 14.1151% | 3,818 |
| Memoranda: | ||
| Average total assets | $14,852,286,000 | 104 |
| Average earning assets | $13,651,375,500 | 105 |
| Average equity | $1,775,331,250 | 113 |
| Average total loans | $10,473,755,750 | 103 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 3,558 |
| Cost of funding earning assets | 1.3223% | 693 |
| Net interest margin | 3.0036% | 4,676 |
| Noninterest income to average assets | 0.3558% | 3,552 |
| Noninterest expense to average assets | 1.6527% | 5,022 |
| Loan and lease loss provision to assets | 0.1240% | 1,501 |
| Net operating income to assets | 1.0239% | 2,829 |
| Return on assets (ROA) | 1.0493% | 2,798 |
| Pretax return on assets | 1.3782% | 2,270 |
| Return on Equity (ROE) | 8.8162% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.8162% | 1,088 |
| Net charge-offs to loans | 0.0070% | 2,899 |
| Credit loss provision to net charge-offs | 2,514.6006% | 149 |
| Earnings coverage of net charge-offs (x) | 298.0716% | 266 |
| Efficiency ratio | 45.8406% | 4,995 |
| Assets per employee ($millions) | 17.9619% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4014% | 5,106 |
| Loan loss allowance to noncurrent loans | 154.9222% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,838 |
| Noncurrent loans to loans | 0.2591% | 3,605 |
| Net loans and leases to total assets | 70.3779% | 2,478 |
| Net loans and leases to deposits | 89.7269% | 1,771 |
| Net loans and leases to core deposits | 107.5124% | 1,135 |
| Total domestic deposits to total assets | 78.4357% | 4,323 |
| Equity capital to assets | 11.9591% | 2,215 |
| Core capital (leverage) ratio | 10.4533% | 3,140 |
| Tier 1 risk-based capital ratio | 13.5480% | 3,552 |
| Total risk-based capital ratio | 13.9424% | 3,914 |
| Memoranda: | ||
| Average total assets | $14,720,287,330 | 106 |
| Average earning assets | $13,560,604,000 | 106 |
| Average equity | $1,752,060,670 | 113 |
| Average total loans | $10,383,290,670 | 106 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 3,433 |
| Cost of funding earning assets | 1.2699% | 729 |
| Net interest margin | 3.0687% | 4,641 |
| Noninterest income to average assets | 0.3734% | 3,362 |
| Noninterest expense to average assets | 1.7029% | 5,016 |
| Loan and lease loss provision to assets | 0.1352% | 1,282 |
| Net operating income to assets | 1.0438% | 2,684 |
| Return on assets (ROA) | 1.0438% | 2,726 |
| Pretax return on assets | 1.3618% | 2,231 |
| Return on Equity (ROE) | 8.7910% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.7910% | 1,389 |
| Net charge-offs to loans | 0.0027% | 2,654 |
| Credit loss provision to net charge-offs | 7,028.5714% | 47 |
| Earnings coverage of net charge-offs (x) | 778.1286% | 86 |
| Efficiency ratio | 46.2239% | 5,020 |
| Assets per employee ($millions) | 17.9623% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3740% | 5,200 |
| Loan loss allowance to noncurrent loans | 126.2452% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 3,678 |
| Noncurrent loans to loans | 0.2962% | 3,506 |
| Net loans and leases to total assets | 69.8854% | 2,500 |
| Net loans and leases to deposits | 90.2867% | 1,592 |
| Net loans and leases to core deposits | 106.1866% | 1,160 |
| Total domestic deposits to total assets | 77.4039% | 4,607 |
| Equity capital to assets | 11.8674% | 2,107 |
| Core capital (leverage) ratio | 10.5608% | 2,984 |
| Tier 1 risk-based capital ratio | 13.2184% | 3,760 |
| Total risk-based capital ratio | 13.5811% | 4,145 |
| Memoranda: | ||
| Average total assets | $14,554,382,500 | 108 |
| Average earning assets | $13,405,615,500 | 106 |
| Average equity | $1,728,045,500 | 115 |
| Average total loans | $10,256,912,000 | 107 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,933 |
| Cost of funding earning assets | 0.9923% | 782 |
| Net interest margin | 3.0424% | 4,744 |
| Noninterest income to average assets | 0.3358% | 3,868 |
| Noninterest expense to average assets | 2.0051% | 4,743 |
| Loan and lease loss provision to assets | 0.1510% | 1,406 |
| Net operating income to assets | 0.7563% | 3,948 |
| Return on assets (ROA) | 0.7563% | 3,951 |
| Pretax return on assets | 0.9825% | 3,666 |
| Return on Equity (ROE) | 6.7074% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.7074% | 1,815 |
| Net charge-offs to loans | 0.0399% | 2,603 |
| Credit loss provision to net charge-offs | 535.6383% | 653 |
| Earnings coverage of net charge-offs (x) | 40.2088% | 1,299 |
| Efficiency ratio | 58.8055% | 4,035 |
| Assets per employee ($millions) | 18.0426% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3345% | 5,262 |
| Loan loss allowance to noncurrent loans | 99.0599% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 3,634 |
| Noncurrent loans to loans | 0.3377% | 3,340 |
| Net loans and leases to total assets | 70.5719% | 2,491 |
| Net loans and leases to deposits | 89.5671% | 1,852 |
| Net loans and leases to core deposits | 104.6552% | 1,364 |
| Total domestic deposits to total assets | 78.7922% | 4,350 |
| Equity capital to assets | 11.8788% | 1,984 |
| Core capital (leverage) ratio | 10.4406% | 3,092 |
| Tier 1 risk-based capital ratio | 13.2697% | 3,686 |
| Total risk-based capital ratio | 13.6017% | 4,087 |
| Memoranda: | ||
| Average total assets | $12,670,916,800 | 113 |
| Average earning assets | $11,673,067,000 | 110 |
| Average equity | $1,428,804,200 | 127 |
| Average total loans | $8,945,239,000 | 113 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,151 |
| Cost of funding earning assets | 0.9228% | 826 |
| Net interest margin | 3.0019% | 4,840 |
| Noninterest income to average assets | 0.3419% | 3,859 |
| Noninterest expense to average assets | 1.8924% | 4,917 |
| Loan and lease loss provision to assets | 0.1055% | 1,903 |
| Net operating income to assets | 0.8522% | 3,729 |
| Return on assets (ROA) | 0.8522% | 3,737 |
| Pretax return on assets | 1.1100% | 3,357 |
| Return on Equity (ROE) | 7.6772% | 3,675 |
| Retained earnings to average equity (ytd only) | 7.6772% | 1,808 |
| Net charge-offs to loans | 0.0354% | 2,376 |
| Credit loss provision to net charge-offs | 422.0723% | 791 |
| Earnings coverage of net charge-offs (x) | 48.6456% | 1,188 |
| Efficiency ratio | 56.6251% | 4,296 |
| Assets per employee ($millions) | 17.4831% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2562% | 5,377 |
| Loan loss allowance to noncurrent loans | 57.0533% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,376 |
| Noncurrent loans to loans | 0.4491% | 3,048 |
| Net loans and leases to total assets | 71.9015% | 2,343 |
| Net loans and leases to deposits | 94.1285% | 1,366 |
| Net loans and leases to core deposits | 112.5096% | 891 |
| Total domestic deposits to total assets | 76.3866% | 4,745 |
| Equity capital to assets | 11.9781% | 1,924 |
| Core capital (leverage) ratio | 10.4697% | 3,115 |
| Tier 1 risk-based capital ratio | 12.9926% | 3,913 |
| Total risk-based capital ratio | 13.2417% | 4,390 |
| Memoranda: | ||
| Average total assets | $12,257,189,500 | 112 |
| Average earning assets | $11,293,765,750 | 111 |
| Average equity | $1,360,569,750 | 131 |
| Average total loans | $8,645,565,750 | 117 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 4,624 |
| Cost of funding earning assets | 0.8481% | 927 |
| Net interest margin | 2.8334% | 5,086 |
| Noninterest income to average assets | 0.3479% | 3,846 |
| Noninterest expense to average assets | 1.6721% | 5,215 |
| Loan and lease loss provision to assets | 0.1214% | 1,624 |
| Net operating income to assets | 0.8950% | 3,476 |
| Return on assets (ROA) | 0.8950% | 3,484 |
| Pretax return on assets | 1.1673% | 3,063 |
| Return on Equity (ROE) | 8.3244% | 3,353 |
| Retained earnings to average equity (ytd only) | 8.3244% | 1,482 |
| Net charge-offs to loans | 0.0254% | 2,344 |
| Credit loss provision to net charge-offs | 682.2115% | 568 |
| Earnings coverage of net charge-offs (x) | 72.4375% | 886 |
| Efficiency ratio | 54.0630% | 4,687 |
| Assets per employee ($millions) | 16.0776% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2443% | 5,443 |
| Loan loss allowance to noncurrent loans | 68.8640% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 3,744 |
| Noncurrent loans to loans | 0.3547% | 3,425 |
| Net loans and leases to total assets | 70.7439% | 2,467 |
| Net loans and leases to deposits | 91.4154% | 1,662 |
| Net loans and leases to core deposits | 110.4751% | 971 |
| Total domestic deposits to total assets | 77.3873% | 4,680 |
| Equity capital to assets | 11.7290% | 2,035 |
| Core capital (leverage) ratio | 12.3087% | 1,534 |
| Tier 1 risk-based capital ratio | 13.0250% | 3,880 |
| Total risk-based capital ratio | 13.2684% | 4,359 |
| Memoranda: | ||
| Average total assets | $11,692,403,000 | 118 |
| Average earning assets | $10,781,880,000 | 115 |
| Average equity | $1,257,049,670 | 138 |
| Average total loans | $8,175,039,330 | 120 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8043% | 4,206 |
| Cost of funding earning assets | 0.8032% | 937 |
| Net interest margin | 3.0010% | 4,882 |
| Noninterest income to average assets | 0.3628% | 3,717 |
| Noninterest expense to average assets | 1.7110% | 5,236 |
| Loan and lease loss provision to assets | 0.1362% | 1,385 |
| Net operating income to assets | 0.9844% | 2,914 |
| Return on assets (ROA) | 0.9844% | 2,948 |
| Pretax return on assets | 1.2849% | 2,425 |
| Return on Equity (ROE) | 9.7530% | 2,561 |
| Retained earnings to average equity (ytd only) | 9.7530% | 1,239 |
| Net charge-offs to loans | 0.0229% | 2,047 |
| Credit loss provision to net charge-offs | 860.7229% | 387 |
| Earnings coverage of net charge-offs (x) | 89.7928% | 655 |
| Efficiency ratio | 52.0900% | 4,958 |
| Assets per employee ($millions) | 17.8338% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2891% | 5,489 |
| Loan loss allowance to noncurrent loans | 78.5506% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,842 |
| Noncurrent loans to loans | 0.3681% | 3,460 |
| Net loans and leases to total assets | 68.6940% | 2,673 |
| Net loans and leases to deposits | 89.9525% | 1,700 |
| Net loans and leases to core deposits | 115.3185% | 749 |
| Total domestic deposits to total assets | 76.3671% | 4,934 |
| Equity capital to assets | 9.8635% | 3,740 |
| Core capital (leverage) ratio | 9.6562% | 3,898 |
| Tier 1 risk-based capital ratio | 11.9845% | 4,554 |
| Total risk-based capital ratio | 12.2571% | 5,028 |
| Memoranda: | ||
| Average total assets | $10,488,558,500 | 126 |
| Average earning assets | $9,678,721,000 | 126 |
| Average equity | $1,058,671,500 | 152 |
| Average total loans | $7,262,870,500 | 133 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 4,705 |
| Cost of funding earning assets | 0.5323% | 2,090 |
| Net interest margin | 3.0120% | 4,857 |
| Noninterest income to average assets | 0.4743% | 3,161 |
| Noninterest expense to average assets | 1.6273% | 5,390 |
| Loan and lease loss provision to assets | 0.1395% | 1,642 |
| Net operating income to assets | 0.5459% | 4,236 |
| Return on assets (ROA) | 0.5726% | 4,167 |
| Pretax return on assets | 1.5177% | 1,567 |
| Return on Equity (ROE) | 5.0390% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.0390% | 2,101 |
| Net charge-offs to loans | 0.0920% | 2,164 |
| Credit loss provision to net charge-offs | 227.3684% | 1,218 |
| Earnings coverage of net charge-offs (x) | 26.3401% | 1,682 |
| Efficiency ratio | 47.3685% | 5,342 |
| Assets per employee ($millions) | 16.9215% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2594% | 5,565 |
| Loan loss allowance to noncurrent loans | 85.1363% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 4,063 |
| Noncurrent loans to loans | 0.3047% | 3,689 |
| Net loans and leases to total assets | 69.4395% | 2,610 |
| Net loans and leases to deposits | 90.2820% | 1,743 |
| Net loans and leases to core deposits | 112.5159% | 870 |
| Total domestic deposits to total assets | 76.9141% | 4,858 |
| Equity capital to assets | 10.3381% | 3,340 |
| Core capital (leverage) ratio | 10.1165% | 3,289 |
| Tier 1 risk-based capital ratio | 12.2621% | 4,359 |
| Total risk-based capital ratio | 12.5069% | 4,885 |
| Memoranda: | ||
| Average total assets | $9,138,617,800 | 136 |
| Average earning assets | $8,399,725,000 | 135 |
| Average equity | $1,038,469,000 | 145 |
| Average total loans | $6,093,712,600 | 144 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 4,830 |
| Cost of funding earning assets | 0.4834% | 2,405 |
| Net interest margin | 3.0092% | 4,894 |
| Noninterest income to average assets | 0.4882% | 3,093 |
| Noninterest expense to average assets | 1.5809% | 5,467 |
| Loan and lease loss provision to assets | 0.1527% | 1,361 |
| Net operating income to assets | 0.9551% | 2,746 |
| Return on assets (ROA) | 0.9917% | 2,644 |
| Pretax return on assets | 1.5757% | 1,497 |
| Return on Equity (ROE) | 8.5073% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.5073% | 1,013 |
| Net charge-offs to loans | 0.1210% | 1,581 |
| Credit loss provision to net charge-offs | 191.7452% | 1,386 |
| Earnings coverage of net charge-offs (x) | 20.9810% | 1,933 |
| Efficiency ratio | 45.7238% | 5,428 |
| Assets per employee ($millions) | 16.9733% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2520% | 5,636 |
| Loan loss allowance to noncurrent loans | 83.7434% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 4,299 |
| Noncurrent loans to loans | 0.3009% | 3,863 |
| Net loans and leases to total assets | 64.7372% | 3,296 |
| Net loans and leases to deposits | 86.8630% | 2,201 |
| Net loans and leases to core deposits | 109.0117% | 1,089 |
| Total domestic deposits to total assets | 74.5279% | 5,185 |
| Equity capital to assets | 10.8816% | 2,973 |
| Core capital (leverage) ratio | 10.5193% | 2,966 |
| Tier 1 risk-based capital ratio | 13.5625% | 3,666 |
| Total risk-based capital ratio | 13.8055% | 4,192 |
| Memoranda: | ||
| Average total assets | $8,880,817,250 | 141 |
| Average earning assets | $8,157,387,250 | 139 |
| Average equity | $1,035,244,500 | 147 |
| Average total loans | $5,847,079,500 | 149 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 4,910 |
| Cost of funding earning assets | 0.4263% | 2,831 |
| Net interest margin | 3.0056% | 4,902 |
| Noninterest income to average assets | 0.5730% | 2,590 |
| Noninterest expense to average assets | 1.6613% | 5,444 |
| Loan and lease loss provision to assets | 0.1260% | 1,647 |
| Net operating income to assets | 0.9668% | 2,579 |
| Return on assets (ROA) | 1.0126% | 2,407 |
| Pretax return on assets | 1.6082% | 1,319 |
| Return on Equity (ROE) | 8.4703% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.4703% | 1,002 |
| Net charge-offs to loans | 0.0053% | 3,279 |
| Credit loss provision to net charge-offs | 3,594.6667% | 121 |
| Earnings coverage of net charge-offs (x) | 474.4067% | 176 |
| Efficiency ratio | 47.0491% | 5,432 |
| Assets per employee ($millions) | 15.0606% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2703% | 5,679 |
| Loan loss allowance to noncurrent loans | 62.6645% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 3,938 |
| Noncurrent loans to loans | 0.4313% | 3,469 |
| Net loans and leases to total assets | 68.2887% | 2,770 |
| Net loans and leases to deposits | 90.8841% | 1,624 |
| Net loans and leases to core deposits | 112.9144% | 855 |
| Total domestic deposits to total assets | 75.1382% | 5,184 |
| Equity capital to assets | 11.7570% | 2,109 |
| Core capital (leverage) ratio | 11.0746% | 2,336 |
| Tier 1 risk-based capital ratio | 13.8295% | 3,516 |
| Total risk-based capital ratio | 14.0905% | 4,005 |
| Memoranda: | ||
| Average total assets | $8,559,590,670 | 147 |
| Average earning assets | $7,834,581,670 | 143 |
| Average equity | $1,023,247,330 | 145 |
| Average total loans | $5,666,391,000 | 152 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3760% | 4,982 |
| Cost of funding earning assets | 0.3707% | 3,303 |
| Net interest margin | 3.0054% | 4,882 |
| Noninterest income to average assets | 0.8211% | 1,482 |
| Noninterest expense to average assets | 1.6938% | 5,483 |
| Loan and lease loss provision to assets | 0.1586% | 1,139 |
| Net operating income to assets | 1.0727% | 1,968 |
| Return on assets (ROA) | 1.1567% | 1,678 |
| Pretax return on assets | 1.8428% | 734 |
| Return on Equity (ROE) | 9.5916% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.5916% | 905 |
| Net charge-offs to loans | -0.0005% | 3,956 |
| Credit loss provision to net charge-offs | -47,514.2857% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7364% | 5,572 |
| Assets per employee ($millions) | 14.7485% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2615% | 5,756 |
| Loan loss allowance to noncurrent loans | 55.8055% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 3,948 |
| Noncurrent loans to loans | 0.4686% | 3,412 |
| Net loans and leases to total assets | 65.1545% | 3,097 |
| Net loans and leases to deposits | 91.8426% | 1,344 |
| Net loans and leases to core deposits | 112.8617% | 735 |
| Total domestic deposits to total assets | 70.9415% | 5,597 |
| Equity capital to assets | 11.9993% | 1,848 |
| Core capital (leverage) ratio | 11.2912% | 2,111 |
| Tier 1 risk-based capital ratio | 14.4985% | 3,203 |
| Total risk-based capital ratio | 14.7502% | 3,691 |
| Memoranda: | ||
| Average total assets | $8,388,985,500 | 151 |
| Average earning assets | $7,656,733,000 | 145 |
| Average equity | $1,011,636,500 | 145 |
| Average total loans | $5,452,229,000 | 156 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4386% | 4,907 |
| Cost of funding earning assets | 0.2577% | 4,490 |
| Net interest margin | 3.1809% | 4,499 |
| Noninterest income to average assets | 0.3656% | 4,132 |
| Noninterest expense to average assets | 1.6993% | 5,568 |
| Loan and lease loss provision to assets | 0.1367% | 1,827 |
| Net operating income to assets | 0.8752% | 2,953 |
| Return on assets (ROA) | 0.9526% | 2,678 |
| Pretax return on assets | 1.5414% | 1,458 |
| Return on Equity (ROE) | 7.2000% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.2000% | 1,152 |
| Net charge-offs to loans | -0.0006% | 4,638 |
| Credit loss provision to net charge-offs | -33,596.6667% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7104% | 5,543 |
| Assets per employee ($millions) | 14.5818% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2105% | 5,829 |
| Loan loss allowance to noncurrent loans | 53.5272% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 4,254 |
| Noncurrent loans to loans | 0.3932% | 3,735 |
| Net loans and leases to total assets | 64.5131% | 3,286 |
| Net loans and leases to deposits | 95.5007% | 1,045 |
| Net loans and leases to core deposits | 119.4495% | 500 |
| Total domestic deposits to total assets | 67.5525% | 5,727 |
| Equity capital to assets | 12.1208% | 1,728 |
| Core capital (leverage) ratio | 11.6342% | 1,838 |
| Tier 1 risk-based capital ratio | 14.9598% | 2,982 |
| Total risk-based capital ratio | 15.1672% | 3,422 |
| Memoranda: | ||
| Average total assets | $7,372,066,000 | 158 |
| Average earning assets | $6,699,803,000 | 154 |
| Average equity | $975,368,600 | 144 |
| Average total loans | $4,661,353,200 | 172 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4094% | 5,011 |
| Cost of funding earning assets | 0.2420% | 4,681 |
| Net interest margin | 3.1674% | 4,584 |
| Noninterest income to average assets | 0.3629% | 4,183 |
| Noninterest expense to average assets | 1.7023% | 5,609 |
| Loan and lease loss provision to assets | 0.1227% | 1,899 |
| Net operating income to assets | 0.8451% | 3,178 |
| Return on assets (ROA) | 0.8644% | 3,206 |
| Pretax return on assets | 1.4482% | 1,882 |
| Return on Equity (ROE) | 6.3788% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.3788% | 1,970 |
| Net charge-offs to loans | -0.0128% | 4,863 |
| Credit loss provision to net charge-offs | -1,519.3995% | 5,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8966% | 5,559 |
| Assets per employee ($millions) | 14.8579% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1633% | 5,904 |
| Loan loss allowance to noncurrent loans | 42.5633% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 4,415 |
| Noncurrent loans to loans | 0.3837% | 3,884 |
| Net loans and leases to total assets | 64.1000% | 3,387 |
| Net loans and leases to deposits | 96.9589% | 957 |
| Net loans and leases to core deposits | 115.8106% | 664 |
| Total domestic deposits to total assets | 66.1104% | 5,814 |
| Equity capital to assets | 12.9232% | 1,530 |
| Core capital (leverage) ratio | 12.0815% | 1,617 |
| Tier 1 risk-based capital ratio | 15.5723% | 2,801 |
| Total risk-based capital ratio | 15.7387% | 3,226 |
| Memoranda: | ||
| Average total assets | $7,151,754,500 | 163 |
| Average earning assets | $6,503,132,750 | 158 |
| Average equity | $969,118,250 | 147 |
| Average total loans | $4,492,767,250 | 176 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 5,134 |
| Cost of funding earning assets | 0.2287% | 4,864 |
| Net interest margin | 3.1458% | 4,703 |
| Noninterest income to average assets | 0.3286% | 4,430 |
| Noninterest expense to average assets | 1.6830% | 5,699 |
| Loan and lease loss provision to assets | 0.1128% | 1,993 |
| Net operating income to assets | 0.8085% | 3,272 |
| Return on assets (ROA) | 0.8345% | 3,291 |
| Pretax return on assets | 1.4396% | 1,879 |
| Return on Equity (ROE) | 6.0541% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.0541% | 2,089 |
| Net charge-offs to loans | -0.0039% | 4,474 |
| Credit loss provision to net charge-offs | -4,666.6667% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9263% | 5,625 |
| Assets per employee ($millions) | 14.0874% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1082% | 5,993 |
| Loan loss allowance to noncurrent loans | 32.5748% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 4,572 |
| Noncurrent loans to loans | 0.3322% | 4,172 |
| Net loans and leases to total assets | 65.0837% | 3,219 |
| Net loans and leases to deposits | 97.6075% | 919 |
| Net loans and leases to core deposits | 111.8131% | 825 |
| Total domestic deposits to total assets | 66.6790% | 5,874 |
| Equity capital to assets | 13.5367% | 1,223 |
| Core capital (leverage) ratio | 12.3722% | 1,420 |
| Tier 1 risk-based capital ratio | 16.1095% | 2,589 |
| Total risk-based capital ratio | 16.2302% | 3,033 |
| Memoranda: | ||
| Average total assets | $6,950,391,330 | 163 |
| Average earning assets | $6,332,296,000 | 159 |
| Average equity | $958,057,000 | 147 |
| Average total loans | $4,330,480,670 | 178 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3627% | 5,198 |
| Cost of funding earning assets | 0.2068% | 5,140 |
| Net interest margin | 3.1559% | 4,714 |
| Noninterest income to average assets | 0.3131% | 4,492 |
| Noninterest expense to average assets | 1.6809% | 5,767 |
| Loan and lease loss provision to assets | 0.0680% | 2,596 |
| Net operating income to assets | 0.7598% | 3,438 |
| Return on assets (ROA) | 0.7819% | 3,445 |
| Pretax return on assets | 1.4716% | 1,681 |
| Return on Equity (ROE) | 5.6181% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.6181% | 2,569 |
| Net charge-offs to loans | 0.0151% | 2,637 |
| Credit loss provision to net charge-offs | 740.3846% | 469 |
| Earnings coverage of net charge-offs (x) | 163.8141% | 369 |
| Efficiency ratio | 48.9037% | 5,684 |
| Assets per employee ($millions) | 14.4681% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0503% | 6,067 |
| Loan loss allowance to noncurrent loans | 15.2859% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 4,742 |
| Noncurrent loans to loans | 0.3292% | 4,259 |
| Net loans and leases to total assets | 59.2826% | 3,876 |
| Net loans and leases to deposits | 88.3070% | 1,795 |
| Net loans and leases to core deposits | 99.9539% | 1,488 |
| Total domestic deposits to total assets | 67.1324% | 5,945 |
| Equity capital to assets | 13.5012% | 1,180 |
| Core capital (leverage) ratio | 12.8542% | 1,217 |
| Tier 1 risk-based capital ratio | 17.2500% | 2,193 |
| Total risk-based capital ratio | 17.3220% | 2,603 |
| Memoranda: | ||
| Average total assets | $6,791,026,500 | 164 |
| Average earning assets | $6,182,203,500 | 165 |
| Average equity | $945,085,500 | 149 |
| Average total loans | $4,127,651,000 | 182 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7554% | 6,153 |
| Cost of funding earning assets | 0.0353% | 6,124 |
| Net interest margin | 0.7201% | 6,153 |
| Noninterest income to average assets | 0.0763% | 5,931 |
| Noninterest expense to average assets | 0.4755% | 6,157 |
| Loan and lease loss provision to assets | 0.0178% | 4,049 |
| Net operating income to assets | 0.1732% | 5,638 |
| Return on assets (ROA) | 0.1747% | 5,684 |
| Pretax return on assets | 0.2351% | 5,639 |
| Return on Equity (ROE) | 1.0564% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.0564% | 5,094 |
| Net charge-offs to loans | -0.0017% | 4,861 |
| Credit loss provision to net charge-offs | -1,651.5625% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4681% | 4,693 |
| Assets per employee ($millions) | 13.5528% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0277% | 6,119 |
| Loan loss allowance to noncurrent loans | 7.6248% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,635 |
| Noncurrent loans to loans | 0.3637% | 4,146 |
| Net loans and leases to total assets | 62.3740% | 3,507 |
| Net loans and leases to deposits | 90.1416% | 1,595 |
| Net loans and leases to core deposits | 99.6619% | 1,534 |
| Total domestic deposits to total assets | 69.1956% | 5,928 |
| Equity capital to assets | 14.3722% | 805 |
| Core capital (leverage) ratio | 13.7080% | 908 |
| Tier 1 risk-based capital ratio | 18.4274% | 1,848 |
| Total risk-based capital ratio | 18.4814% | 2,162 |
| Memoranda: | ||
| Average total assets | $5,947,013,600 | 172 |
| Average earning assets | $5,368,921,600 | 170 |
| Average equity | $983,420,200 | 139 |
| Average total loans | $3,769,386,800 | 185 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 5,145 |
| Cost of funding earning assets | 0.1782% | 5,570 |
| Net interest margin | 3.2498% | 4,528 |
| Noninterest income to average assets | 0.2587% | 5,087 |
| Noninterest expense to average assets | 1.8221% | 5,749 |
| Loan and lease loss provision to assets | 0.0871% | 2,414 |
| Net operating income to assets | 0.7969% | 3,439 |
| Return on assets (ROA) | 0.8241% | 3,388 |
| Pretax return on assets | 1.3216% | 2,313 |
| Return on Equity (ROE) | 4.8085% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.8085% | 3,048 |
| Net charge-offs to loans | 0.0895% | 2,272 |
| Credit loss provision to net charge-offs | 152.9175% | 1,650 |
| Earnings coverage of net charge-offs (x) | 23.9742% | 1,711 |
| Efficiency ratio | 50.8070% | 5,735 |
| Assets per employee ($millions) | 13.3771% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 3,538 |
| Loan loss allowance to noncurrent loans | 251.5022% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 4,347 |
| Noncurrent loans to loans | 0.4854% | 3,903 |
| Net loans and leases to total assets | 63.5882% | 3,370 |
| Net loans and leases to deposits | 86.8583% | 2,046 |
| Net loans and leases to core deposits | 95.3800% | 1,939 |
| Total domestic deposits to total assets | 73.2091% | 5,769 |
| Equity capital to assets | 16.3262% | 519 |
| Core capital (leverage) ratio | 13.0240% | 1,197 |
| Tier 1 risk-based capital ratio | 17.5089% | 2,184 |
| Total risk-based capital ratio | 18.6487% | 2,170 |
| Memoranda: | ||
| Average total assets | $5,814,208,250 | 175 |
| Average earning assets | $5,241,379,500 | 174 |
| Average equity | $996,508,500 | 137 |
| Average total loans | $3,701,269,750 | 189 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 5,240 |
| Cost of funding earning assets | 0.1780% | 5,628 |
| Net interest margin | 3.2174% | 4,608 |
| Noninterest income to average assets | 0.2721% | 5,006 |
| Noninterest expense to average assets | 1.8589% | 5,768 |
| Loan and lease loss provision to assets | -0.0176% | 5,971 |
| Net operating income to assets | 0.8246% | 3,247 |
| Return on assets (ROA) | 0.8487% | 3,232 |
| Pretax return on assets | 1.3607% | 2,145 |
| Return on Equity (ROE) | 4.8675% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.8675% | 2,946 |
| Net charge-offs to loans | -0.0365% | 5,412 |
| Credit loss provision to net charge-offs | 76.1035% | 2,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2020% | 5,698 |
| Assets per employee ($millions) | 12.8594% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 3,638 |
| Loan loss allowance to noncurrent loans | 423.8057% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 4,947 |
| Noncurrent loans to loans | 0.2894% | 4,648 |
| Net loans and leases to total assets | 62.9313% | 3,422 |
| Net loans and leases to deposits | 83.7968% | 2,337 |
| Net loans and leases to core deposits | 92.7197% | 2,088 |
| Total domestic deposits to total assets | 75.1000% | 5,695 |
| Equity capital to assets | 16.3369% | 486 |
| Core capital (leverage) ratio | 13.3056% | 1,048 |
| Tier 1 risk-based capital ratio | 17.2980% | 2,286 |
| Total risk-based capital ratio | 18.4293% | 2,286 |
| Memoranda: | ||
| Average total assets | $5,678,832,000 | 179 |
| Average earning assets | $5,105,137,670 | 177 |
| Average equity | $990,163,670 | 139 |
| Average total loans | $3,600,263,330 | 191 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3947% | 5,215 |
| Cost of funding earning assets | 0.1755% | 5,717 |
| Net interest margin | 3.2191% | 4,536 |
| Noninterest income to average assets | 0.2884% | 4,865 |
| Noninterest expense to average assets | 1.9554% | 5,651 |
| Loan and lease loss provision to assets | -0.0366% | 6,139 |
| Net operating income to assets | 0.7773% | 3,378 |
| Return on assets (ROA) | 0.8245% | 3,264 |
| Pretax return on assets | 1.3269% | 2,168 |
| Return on Equity (ROE) | 4.5678% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.5678% | 3,289 |
| Net charge-offs to loans | -0.0393% | 5,397 |
| Credit loss provision to net charge-offs | 147.4926% | 1,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8627% | 5,607 |
| Assets per employee ($millions) | 11.7367% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 3,216 |
| Loan loss allowance to noncurrent loans | 413.5642% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 4,943 |
| Noncurrent loans to loans | 0.3229% | 4,633 |
| Net loans and leases to total assets | 62.8314% | 3,255 |
| Net loans and leases to deposits | 81.1367% | 2,433 |
| Net loans and leases to core deposits | 89.9662% | 2,133 |
| Total domestic deposits to total assets | 77.4390% | 5,545 |
| Equity capital to assets | 17.8247% | 347 |
| Core capital (leverage) ratio | 14.3262% | 730 |
| Tier 1 risk-based capital ratio | 19.2053% | 1,813 |
| Total risk-based capital ratio | 20.4662% | 1,767 |
| Memoranda: | ||
| Average total assets | $5,464,144,500 | 180 |
| Average earning assets | $4,894,522,500 | 181 |
| Average equity | $986,301,000 | 142 |
| Average total loans | $3,454,542,000 | 192 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5393% | 5,227 |
| Cost of funding earning assets | 0.1799% | 5,911 |
| Net interest margin | 3.3595% | 4,373 |
| Noninterest income to average assets | 0.2701% | 5,191 |
| Noninterest expense to average assets | 2.0486% | 5,677 |
| Loan and lease loss provision to assets | -0.1975% | 6,290 |
| Net operating income to assets | 0.8446% | 3,143 |
| Return on assets (ROA) | 0.8481% | 3,222 |
| Pretax return on assets | 1.3874% | 1,923 |
| Return on Equity (ROE) | 4.5006% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.5006% | 2,972 |
| Net charge-offs to loans | -0.0556% | 5,961 |
| Credit loss provision to net charge-offs | 580.0464% | 462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2052% | 5,749 |
| Assets per employee ($millions) | 11.2940% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 2,869 |
| Loan loss allowance to noncurrent loans | 383.0582% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 4,815 |
| Noncurrent loans to loans | 0.3697% | 4,546 |
| Net loans and leases to total assets | 61.8545% | 3,522 |
| Net loans and leases to deposits | 79.6145% | 2,773 |
| Net loans and leases to core deposits | 89.0305% | 2,377 |
| Total domestic deposits to total assets | 77.6925% | 5,487 |
| Equity capital to assets | 18.2855% | 299 |
| Core capital (leverage) ratio | 12.8453% | 1,201 |
| Tier 1 risk-based capital ratio | 17.1365% | 2,457 |
| Total risk-based capital ratio | 18.3873% | 2,418 |
| Memoranda: | ||
| Average total assets | $5,063,920,800 | 185 |
| Average earning assets | $4,466,236,600 | 180 |
| Average equity | $954,262,600 | 138 |
| Average total loans | $3,103,018,200 | 194 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 5,236 |
| Cost of funding earning assets | 0.1822% | 5,978 |
| Net interest margin | 3.3800% | 4,314 |
| Noninterest income to average assets | 0.2803% | 5,197 |
| Noninterest expense to average assets | 2.0758% | 5,628 |
| Loan and lease loss provision to assets | -0.2671% | 6,439 |
| Net operating income to assets | 0.8744% | 3,051 |
| Return on assets (ROA) | 0.8781% | 3,125 |
| Pretax return on assets | 1.4490% | 1,814 |
| Return on Equity (ROE) | 4.6231% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.6231% | 3,342 |
| Net charge-offs to loans | -0.0699% | 6,033 |
| Credit loss provision to net charge-offs | 627.3526% | 475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6048% | 5,691 |
| Assets per employee ($millions) | 11.0192% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 2,933 |
| Loan loss allowance to noncurrent loans | 365.1351% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 4,967 |
| Noncurrent loans to loans | 0.3979% | 4,717 |
| Net loans and leases to total assets | 63.0670% | 3,333 |
| Net loans and leases to deposits | 80.5452% | 2,610 |
| Net loans and leases to core deposits | 87.3551% | 2,499 |
| Total domestic deposits to total assets | 78.3001% | 5,466 |
| Equity capital to assets | 18.9220% | 273 |
| Core capital (leverage) ratio | 12.5793% | 1,364 |
| Tier 1 risk-based capital ratio | 17.1891% | 2,533 |
| Total risk-based capital ratio | 18.4405% | 2,494 |
| Memoranda: | ||
| Average total assets | $4,991,561,250 | 185 |
| Average earning assets | $4,388,422,750 | 182 |
| Average equity | $948,106,000 | 139 |
| Average total loans | $3,039,056,500 | 192 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 5,287 |
| Cost of funding earning assets | 0.1834% | 6,048 |
| Net interest margin | 3.3675% | 4,325 |
| Noninterest income to average assets | 0.2766% | 5,215 |
| Noninterest expense to average assets | 2.0854% | 5,655 |
| Loan and lease loss provision to assets | -0.4037% | 6,563 |
| Net operating income to assets | 0.9370% | 2,615 |
| Return on assets (ROA) | 0.9427% | 2,684 |
| Pretax return on assets | 1.5556% | 1,376 |
| Return on Equity (ROE) | 4.9566% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.9566% | 2,985 |
| Net charge-offs to loans | -0.1237% | 6,206 |
| Credit loss provision to net charge-offs | 545.5537% | 548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2432% | 5,719 |
| Assets per employee ($millions) | 11.0208% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,876 |
| Loan loss allowance to noncurrent loans | 366.2979% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 4,904 |
| Noncurrent loans to loans | 0.4109% | 4,757 |
| Net loans and leases to total assets | 62.0877% | 3,387 |
| Net loans and leases to deposits | 81.3459% | 2,341 |
| Net loans and leases to core deposits | 88.7192% | 2,237 |
| Total domestic deposits to total assets | 76.3255% | 5,878 |
| Equity capital to assets | 19.0476% | 257 |
| Core capital (leverage) ratio | 12.6197% | 1,332 |
| Tier 1 risk-based capital ratio | 17.3152% | 2,496 |
| Total risk-based capital ratio | 18.5675% | 2,452 |
| Memoranda: | ||
| Average total assets | $4,954,781,000 | 184 |
| Average earning assets | $4,343,263,000 | 188 |
| Average equity | $942,346,670 | 139 |
| Average total loans | $2,963,722,670 | 193 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 5,228 |
| Cost of funding earning assets | 0.1858% | 6,110 |
| Net interest margin | 3.3948% | 4,139 |
| Noninterest income to average assets | 0.2360% | 5,473 |
| Noninterest expense to average assets | 2.0402% | 5,801 |
| Loan and lease loss provision to assets | -0.3659% | 6,638 |
| Net operating income to assets | 0.9376% | 2,469 |
| Return on assets (ROA) | 0.9453% | 2,499 |
| Pretax return on assets | 1.5389% | 1,313 |
| Return on Equity (ROE) | 4.9742% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.9742% | 3,123 |
| Net charge-offs to loans | -0.3102% | 6,487 |
| Credit loss provision to net charge-offs | 202.7941% | 1,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2527% | 5,902 |
| Assets per employee ($millions) | 11.0973% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 1,942 |
| Loan loss allowance to noncurrent loans | 381.1242% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 4,878 |
| Noncurrent loans to loans | 0.4818% | 4,716 |
| Net loans and leases to total assets | 57.0945% | 3,986 |
| Net loans and leases to deposits | 73.9345% | 3,068 |
| Net loans and leases to core deposits | 81.6480% | 2,771 |
| Total domestic deposits to total assets | 77.2230% | 5,938 |
| Equity capital to assets | 18.7992% | 269 |
| Core capital (leverage) ratio | 12.3825% | 1,436 |
| Tier 1 risk-based capital ratio | 17.9640% | 2,312 |
| Total risk-based capital ratio | 19.2201% | 2,289 |
| Memoranda: | ||
| Average total assets | $4,919,419,000 | 184 |
| Average earning assets | $4,296,845,500 | 187 |
| Average equity | $934,901,000 | 140 |
| Average total loans | $2,861,632,500 | 201 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 5,907 |
| Cost of funding earning assets | 0.1928% | 6,323 |
| Net interest margin | 3.1681% | 5,099 |
| Noninterest income to average assets | 0.2906% | 5,274 |
| Noninterest expense to average assets | 5.4927% | 246 |
| Loan and lease loss provision to assets | -0.3318% | 6,691 |
| Net operating income to assets | -1.3339% | 6,656 |
| Return on assets (ROA) | -1.3088% | 6,651 |
| Pretax return on assets | -2.1295% | 6,718 |
| Return on Equity (ROE) | -6.3314% | 6,518 |
| Retained earnings to average equity (ytd only) | -6.3314% | 6,426 |
| Net charge-offs to loans | -0.3769% | 6,700 |
| Credit loss provision to net charge-offs | 162.8002% | 1,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9296% | 5,483 |
| Assets per employee ($millions) | 10.7893% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 1,578 |
| Loan loss allowance to noncurrent loans | 351.7320% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 4,777 |
| Noncurrent loans to loans | 0.5659% | 4,576 |
| Net loans and leases to total assets | 57.0202% | 4,189 |
| Net loans and leases to deposits | 74.7254% | 3,150 |
| Net loans and leases to core deposits | 82.7554% | 2,806 |
| Total domestic deposits to total assets | 76.3063% | 6,067 |
| Equity capital to assets | 19.2176% | 249 |
| Core capital (leverage) ratio | 11.8153% | 1,745 |
| Tier 1 risk-based capital ratio | 17.9945% | 2,249 |
| Total risk-based capital ratio | 19.2527% | 2,216 |
| Memoranda: | ||
| Average total assets | $4,821,808,200 | 181 |
| Average earning assets | $4,111,780,400 | 187 |
| Average equity | $996,721,000 | 128 |
| Average total loans | $2,607,495,000 | 200 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3071% | 6,052 |
| Cost of funding earning assets | 0.1961% | 6,416 |
| Net interest margin | 3.1110% | 5,290 |
| Noninterest income to average assets | 0.3018% | 5,284 |
| Noninterest expense to average assets | 2.0707% | 5,889 |
| Loan and lease loss provision to assets | -0.4424% | 6,818 |
| Net operating income to assets | 0.8056% | 3,320 |
| Return on assets (ROA) | 0.8220% | 3,360 |
| Pretax return on assets | 1.3382% | 2,178 |
| Return on Equity (ROE) | 3.9080% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.9080% | 3,906 |
| Net charge-offs to loans | -0.5011% | 6,776 |
| Credit loss provision to net charge-offs | 166.4413% | 1,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9949% | 5,284 |
| Assets per employee ($millions) | 11.0664% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0948% | 1,513 |
| Loan loss allowance to noncurrent loans | 310.2616% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 4,574 |
| Noncurrent loans to loans | 0.6752% | 4,513 |
| Net loans and leases to total assets | 54.1364% | 4,591 |
| Net loans and leases to deposits | 74.1880% | 3,207 |
| Net loans and leases to core deposits | 81.6193% | 2,920 |
| Total domestic deposits to total assets | 72.9719% | 6,436 |
| Equity capital to assets | 21.2996% | 164 |
| Core capital (leverage) ratio | 11.8727% | 1,755 |
| Tier 1 risk-based capital ratio | 18.2878% | 2,218 |
| Total risk-based capital ratio | 19.5466% | 2,178 |
| Memoranda: | ||
| Average total assets | $4,821,550,750 | 179 |
| Average earning assets | $4,089,997,250 | 184 |
| Average equity | $1,014,193,250 | 127 |
| Average total loans | $2,557,909,000 | 199 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 6,146 |
| Cost of funding earning assets | 0.1984% | 6,482 |
| Net interest margin | 3.0617% | 5,391 |
| Noninterest income to average assets | 0.3242% | 5,109 |
| Noninterest expense to average assets | 2.0836% | 5,899 |
| Loan and lease loss provision to assets | -0.4350% | 6,863 |
| Net operating income to assets | 0.7816% | 3,394 |
| Return on assets (ROA) | 0.8030% | 3,433 |
| Pretax return on assets | 1.3071% | 2,276 |
| Return on Equity (ROE) | 3.8334% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.8334% | 3,859 |
| Net charge-offs to loans | -0.7363% | 6,851 |
| Credit loss provision to net charge-offs | 112.9397% | 1,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8323% | 5,194 |
| Assets per employee ($millions) | 11.5953% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3424% | 1,189 |
| Loan loss allowance to noncurrent loans | 297.7576% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 4,593 |
| Noncurrent loans to loans | 0.7867% | 4,339 |
| Net loans and leases to total assets | 51.3316% | 4,949 |
| Net loans and leases to deposits | 68.3954% | 3,951 |
| Net loans and leases to core deposits | 75.8159% | 3,567 |
| Total domestic deposits to total assets | 75.0513% | 6,352 |
| Equity capital to assets | 20.5556% | 182 |
| Core capital (leverage) ratio | 11.8059% | 1,721 |
| Tier 1 risk-based capital ratio | 18.3719% | 2,186 |
| Total risk-based capital ratio | 19.6345% | 2,146 |
| Memoranda: | ||
| Average total assets | $4,827,788,670 | 179 |
| Average earning assets | $4,096,930,330 | 182 |
| Average equity | $1,011,262,330 | 126 |
| Average total loans | $2,525,306,670 | 200 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3118% | 6,135 |
| Cost of funding earning assets | 0.2066% | 6,544 |
| Net interest margin | 3.1052% | 5,243 |
| Noninterest income to average assets | 0.3374% | 4,999 |
| Noninterest expense to average assets | 2.1107% | 5,896 |
| Loan and lease loss provision to assets | -0.3772% | 6,932 |
| Net operating income to assets | 0.7561% | 3,401 |
| Return on assets (ROA) | 0.7993% | 3,304 |
| Pretax return on assets | 1.3011% | 2,229 |
| Return on Equity (ROE) | 3.7792% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.7792% | 3,968 |
| Net charge-offs to loans | -0.3356% | 6,796 |
| Credit loss provision to net charge-offs | 215.4141% | 1,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7030% | 5,344 |
| Assets per employee ($millions) | 10.9155% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3712% | 1,294 |
| Loan loss allowance to noncurrent loans | 292.3156% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 4,525 |
| Noncurrent loans to loans | 0.8112% | 4,503 |
| Net loans and leases to total assets | 51.8067% | 4,729 |
| Net loans and leases to deposits | 70.5638% | 3,381 |
| Net loans and leases to core deposits | 79.1994% | 2,902 |
| Total domestic deposits to total assets | 73.4181% | 6,572 |
| Equity capital to assets | 21.3932% | 165 |
| Core capital (leverage) ratio | 11.6601% | 1,776 |
| Tier 1 risk-based capital ratio | 18.5190% | 2,186 |
| Total risk-based capital ratio | 19.7820% | 2,150 |
| Memoranda: | ||
| Average total assets | $4,771,876,500 | 185 |
| Average earning assets | $4,041,238,000 | 187 |
| Average equity | $1,009,210,000 | 129 |
| Average total loans | $2,489,760,000 | 205 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 6,300 |
| Cost of funding earning assets | 0.2377% | 6,721 |
| Net interest margin | 3.3079% | 5,218 |
| Noninterest income to average assets | 0.2904% | 5,394 |
| Noninterest expense to average assets | 2.2111% | 5,903 |
| Loan and lease loss provision to assets | -0.2775% | 7,006 |
| Net operating income to assets | 4.3104% | 53 |
| Return on assets (ROA) | 4.3976% | 50 |
| Pretax return on assets | 1.2627% | 2,553 |
| Return on Equity (ROE) | 22.0531% | 219 |
| Retained earnings to average equity (ytd only) | 22.0531% | 48 |
| Net charge-offs to loans | 0.0077% | 5,840 |
| Credit loss provision to net charge-offs | -7,185.6287% | 6,689 |
| Earnings coverage of net charge-offs (x) | 232.5569% | 183 |
| Efficiency ratio | 59.7534% | 5,582 |
| Assets per employee ($millions) | 10.8010% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5153% | 1,114 |
| Loan loss allowance to noncurrent loans | 255.3735% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 4,428 |
| Noncurrent loans to loans | 0.9850% | 4,224 |
| Net loans and leases to total assets | 50.0089% | 5,163 |
| Net loans and leases to deposits | 67.9902% | 3,983 |
| Net loans and leases to core deposits | 75.2375% | 3,626 |
| Total domestic deposits to total assets | 73.5531% | 6,577 |
| Equity capital to assets | 20.9086% | 186 |
| Core capital (leverage) ratio | 11.8081% | 1,664 |
| Tier 1 risk-based capital ratio | 17.9009% | 2,290 |
| Total risk-based capital ratio | 19.1654% | 2,256 |
| Memoranda: | ||
| Average total assets | $4,324,674,200 | 189 |
| Average earning assets | $3,685,195,800 | 199 |
| Average equity | $862,373,400 | 141 |
| Average total loans | $2,155,419,600 | 227 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 6,369 |
| Cost of funding earning assets | 0.2464% | 6,823 |
| Net interest margin | 3.3705% | 5,136 |
| Noninterest income to average assets | 0.2803% | 5,533 |
| Noninterest expense to average assets | 2.3200% | 5,636 |
| Loan and lease loss provision to assets | -0.0951% | 7,032 |
| Net operating income to assets | 0.9332% | 2,825 |
| Return on assets (ROA) | 1.0220% | 2,628 |
| Pretax return on assets | 1.0220% | 3,628 |
| Return on Equity (ROE) | 5.1974% | 4,726 |
| Retained earnings to average equity (ytd only) | 5.1974% | 3,224 |
| Net charge-offs to loans | 0.1056% | 4,339 |
| Credit loss provision to net charge-offs | -182.2600% | 6,319 |
| Earnings coverage of net charge-offs (x) | 16.0547% | 1,716 |
| Efficiency ratio | 61.9564% | 5,154 |
| Assets per employee ($millions) | 9.9179% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1215% | 644 |
| Loan loss allowance to noncurrent loans | 275.7156% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 4,377 |
| Noncurrent loans to loans | 1.1321% | 4,164 |
| Net loans and leases to total assets | 49.9121% | 5,321 |
| Net loans and leases to deposits | 69.0291% | 4,026 |
| Net loans and leases to core deposits | 78.0421% | 3,454 |
| Total domestic deposits to total assets | 72.3058% | 6,727 |
| Equity capital to assets | 19.6913% | 249 |
| Core capital (leverage) ratio | 10.7011% | 2,698 |
| Tier 1 risk-based capital ratio | 17.0929% | 2,695 |
| Total risk-based capital ratio | 18.3641% | 2,633 |
| Memoranda: | ||
| Average total assets | $4,204,231,250 | 199 |
| Average earning assets | $3,589,627,250 | 203 |
| Average equity | $826,727,000 | 142 |
| Average total loans | $2,077,857,000 | 235 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 6,367 |
| Cost of funding earning assets | 0.2498% | 6,914 |
| Net interest margin | 3.4305% | 4,968 |
| Noninterest income to average assets | 0.2790% | 5,579 |
| Noninterest expense to average assets | 2.3876% | 5,500 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8147% | 3,331 |
| Return on assets (ROA) | 0.9493% | 2,922 |
| Pretax return on assets | 0.9493% | 3,885 |
| Return on Equity (ROE) | 4.8297% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.8297% | 3,384 |
| Net charge-offs to loans | 0.0453% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 36.9586% | 931 |
| Efficiency ratio | 63.1012% | 5,064 |
| Assets per employee ($millions) | 9.8185% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5234% | 488 |
| Loan loss allowance to noncurrent loans | 256.6952% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 4,399 |
| Noncurrent loans to loans | 1.3726% | 3,859 |
| Net loans and leases to total assets | 46.8369% | 5,741 |
| Net loans and leases to deposits | 65.6625% | 4,545 |
| Net loans and leases to core deposits | 74.5710% | 3,948 |
| Total domestic deposits to total assets | 71.3297% | 6,840 |
| Equity capital to assets | 19.2836% | 260 |
| Core capital (leverage) ratio | 10.5531% | 2,754 |
| Tier 1 risk-based capital ratio | 17.1766% | 2,597 |
| Total risk-based capital ratio | 18.4504% | 2,547 |
| Memoranda: | ||
| Average total assets | $4,164,239,000 | 197 |
| Average earning assets | $3,548,674,670 | 205 |
| Average equity | $818,471,670 | 143 |
| Average total loans | $2,027,862,000 | 244 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 6,368 |
| Cost of funding earning assets | 0.2586% | 6,983 |
| Net interest margin | 3.4820% | 4,782 |
| Noninterest income to average assets | 0.2703% | 5,715 |
| Noninterest expense to average assets | 2.4772% | 5,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7487% | 3,631 |
| Return on assets (ROA) | 0.9208% | 3,032 |
| Pretax return on assets | 0.9208% | 3,964 |
| Return on Equity (ROE) | 4.6388% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.6388% | 3,787 |
| Net charge-offs to loans | -0.0257% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2129% | 4,697 |
| Assets per employee ($millions) | 9.6087% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6940% | 467 |
| Loan loss allowance to noncurrent loans | 255.5888% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 4,474 |
| Noncurrent loans to loans | 1.4453% | 3,944 |
| Net loans and leases to total assets | 46.0355% | 5,776 |
| Net loans and leases to deposits | 62.5838% | 4,830 |
| Net loans and leases to core deposits | 71.8460% | 4,176 |
| Total domestic deposits to total assets | 73.5581% | 6,782 |
| Equity capital to assets | 19.4372% | 247 |
| Core capital (leverage) ratio | 10.5926% | 2,651 |
| Tier 1 risk-based capital ratio | 16.7475% | 2,785 |
| Total risk-based capital ratio | 18.0193% | 2,731 |
| Memoranda: | ||
| Average total assets | $4,091,195,500 | 198 |
| Average earning assets | $3,472,740,500 | 204 |
| Average equity | $812,113,500 | 140 |
| Average total loans | $1,995,518,500 | 242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8289% | 6,696 |
| Cost of funding earning assets | 0.3110% | 7,091 |
| Net interest margin | 3.5179% | 5,083 |
| Noninterest income to average assets | 0.3530% | 4,979 |
| Noninterest expense to average assets | 2.6307% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6724% | 3,619 |
| Return on assets (ROA) | 0.8828% | 2,812 |
| Pretax return on assets | 0.8828% | 3,667 |
| Return on Equity (ROE) | 4.3216% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.3216% | 3,107 |
| Net charge-offs to loans | -0.0687% | 7,092 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4628% | 4,475 |
| Assets per employee ($millions) | 9.0108% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7482% | 448 |
| Loan loss allowance to noncurrent loans | 257.0404% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 4,490 |
| Noncurrent loans to loans | 1.4582% | 3,977 |
| Net loans and leases to total assets | 47.9413% | 5,827 |
| Net loans and leases to deposits | 65.1966% | 4,849 |
| Net loans and leases to core deposits | 74.2510% | 4,202 |
| Total domestic deposits to total assets | 73.5333% | 6,762 |
| Equity capital to assets | 20.2878% | 217 |
| Core capital (leverage) ratio | 10.7346% | 2,494 |
| Tier 1 risk-based capital ratio | 16.5942% | 2,779 |
| Total risk-based capital ratio | 17.8697% | 2,733 |
| Memoranda: | ||
| Average total assets | $3,892,746,200 | 203 |
| Average earning assets | $3,264,449,200 | 205 |
| Average equity | $795,183,400 | 140 |
| Average total loans | $1,845,100,200 | 252 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 6,754 |
| Cost of funding earning assets | 0.3185% | 7,184 |
| Net interest margin | 3.5609% | 4,939 |
| Noninterest income to average assets | 0.3642% | 4,955 |
| Noninterest expense to average assets | 2.5951% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7509% | 3,375 |
| Return on assets (ROA) | 1.0359% | 2,345 |
| Pretax return on assets | 1.0359% | 3,260 |
| Return on Equity (ROE) | 5.0623% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.0623% | 3,134 |
| Net charge-offs to loans | -0.1061% | 7,178 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4699% | 4,810 |
| Assets per employee ($millions) | 9.0757% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0487% | 376 |
| Loan loss allowance to noncurrent loans | 210.0475% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 4,302 |
| Noncurrent loans to loans | 1.9275% | 3,466 |
| Net loans and leases to total assets | 44.8443% | 6,254 |
| Net loans and leases to deposits | 62.1400% | 5,387 |
| Net loans and leases to core deposits | 71.2057% | 4,818 |
| Total domestic deposits to total assets | 72.1665% | 6,923 |
| Equity capital to assets | 20.5115% | 226 |
| Core capital (leverage) ratio | 10.6707% | 2,688 |
| Tier 1 risk-based capital ratio | 17.2519% | 2,547 |
| Total risk-based capital ratio | 18.5300% | 2,495 |
| Memoranda: | ||
| Average total assets | $3,872,491,000 | 203 |
| Average earning assets | $3,242,683,500 | 205 |
| Average equity | $792,432,250 | 141 |
| Average total loans | $1,811,560,000 | 253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 6,820 |
| Cost of funding earning assets | 0.3236% | 7,274 |
| Net interest margin | 3.5646% | 4,860 |
| Noninterest income to average assets | 0.3411% | 5,152 |
| Noninterest expense to average assets | 2.6027% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8565% | 2,831 |
| Return on assets (ROA) | 1.1188% | 1,903 |
| Pretax return on assets | 0.9810% | 3,309 |
| Return on Equity (ROE) | 5.4716% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.4716% | 2,701 |
| Net charge-offs to loans | -0.5192% | 7,407 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1234% | 4,852 |
| Assets per employee ($millions) | 8.8566% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3038% | 334 |
| Loan loss allowance to noncurrent loans | 200.9894% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 4,182 |
| Noncurrent loans to loans | 2.1413% | 3,295 |
| Net loans and leases to total assets | 44.5815% | 6,385 |
| Net loans and leases to deposits | 61.1471% | 5,600 |
| Net loans and leases to core deposits | 68.2692% | 5,268 |
| Total domestic deposits to total assets | 72.9086% | 6,935 |
| Equity capital to assets | 20.7439% | 224 |
| Core capital (leverage) ratio | 10.4514% | 2,761 |
| Tier 1 risk-based capital ratio | 16.8581% | 2,583 |
| Total risk-based capital ratio | 18.1381% | 2,540 |
| Memoranda: | ||
| Average total assets | $3,853,388,670 | 207 |
| Average earning assets | $3,221,822,330 | 211 |
| Average equity | $787,889,330 | 142 |
| Average total loans | $1,803,196,330 | 259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 6,935 |
| Cost of funding earning assets | 0.3298% | 7,353 |
| Net interest margin | 3.4845% | 5,079 |
| Noninterest income to average assets | 0.2983% | 5,533 |
| Noninterest expense to average assets | 2.6009% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5178% | 4,413 |
| Return on assets (ROA) | 0.9616% | 2,376 |
| Pretax return on assets | 1.1297% | 2,646 |
| Return on Equity (ROE) | 4.7375% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.7375% | 3,354 |
| Net charge-offs to loans | -0.9583% | 7,482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3646% | 4,585 |
| Assets per employee ($millions) | 9.1726% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3178% | 345 |
| Loan loss allowance to noncurrent loans | 125.3087% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.8227% | 3,538 |
| Noncurrent loans to loans | 3.4457% | 2,173 |
| Net loans and leases to total assets | 44.3234% | 6,445 |
| Net loans and leases to deposits | 60.7427% | 5,650 |
| Net loans and leases to core deposits | 67.1734% | 5,390 |
| Total domestic deposits to total assets | 72.9691% | 7,003 |
| Equity capital to assets | 20.2955% | 241 |
| Core capital (leverage) ratio | 9.9547% | 3,194 |
| Tier 1 risk-based capital ratio | 16.7694% | 2,558 |
| Total risk-based capital ratio | 18.0511% | 2,517 |
| Memoranda: | ||
| Average total assets | $3,844,915,500 | 206 |
| Average earning assets | $3,211,366,000 | 213 |
| Average equity | $780,405,500 | 142 |
| Average total loans | $1,803,268,500 | 258 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 7,209 |
| Cost of funding earning assets | 0.4291% | 7,402 |
| Net interest margin | 3.4545% | 5,414 |
| Noninterest income to average assets | 0.2575% | 5,960 |
| Noninterest expense to average assets | 10.4804% | 72 |
| Loan and lease loss provision to assets | 2.3409% | 506 |
| Net operating income to assets | -9.9022% | 7,639 |
| Return on assets (ROA) | -10.0194% | 7,640 |
| Pretax return on assets | -9.9698% | 7,639 |
| Return on Equity (ROE) | -39.9114% | 7,347 |
| Retained earnings to average equity (ytd only) | -39.9114% | 7,340 |
| Net charge-offs to loans | 4.0771% | 307 |
| Credit loss provision to net charge-offs | 125.0282% | 3,269 |
| Earnings coverage of net charge-offs (x) | -4.0119% | 6,763 |
| Efficiency ratio | 69.4441% | 4,290 |
| Assets per employee ($millions) | 8.9863% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0117% | 397 |
| Loan loss allowance to noncurrent loans | 104.3564% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 2.0314% | 3,311 |
| Noncurrent loans to loans | 3.8442% | 1,914 |
| Net loans and leases to total assets | 45.5768% | 6,595 |
| Net loans and leases to deposits | 61.7835% | 5,864 |
| Net loans and leases to core deposits | 69.2691% | 5,512 |
| Total domestic deposits to total assets | 73.7686% | 6,921 |
| Equity capital to assets | 20.2987% | 244 |
| Core capital (leverage) ratio | 8.9670% | 4,599 |
| Tier 1 risk-based capital ratio | 16.3714% | 2,584 |
| Total risk-based capital ratio | 17.6512% | 2,532 |
| Memoranda: | ||
| Average total assets | $4,356,708,400 | 191 |
| Average earning assets | $3,419,331,600 | 204 |
| Average equity | $1,093,712,400 | 116 |
| Average total loans | $2,000,749,000 | 243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 7,367 |
| Cost of funding earning assets | 0.4405% | 7,527 |
| Net interest margin | 3.4266% | 5,584 |
| Noninterest income to average assets | 0.2458% | 6,133 |
| Noninterest expense to average assets | 2.2138% | 6,568 |
| Loan and lease loss provision to assets | 2.2076% | 506 |
| Net operating income to assets | -0.9221% | 6,856 |
| Return on assets (ROA) | -0.9757% | 6,929 |
| Pretax return on assets | -1.6077% | 7,077 |
| Return on Equity (ROE) | -3.7343% | 6,553 |
| Retained earnings to average equity (ytd only) | -3.7343% | 6,430 |
| Net charge-offs to loans | 3.3957% | 412 |
| Credit loss provision to net charge-offs | 142.5962% | 2,766 |
| Earnings coverage of net charge-offs (x) | 0.4416% | 5,583 |
| Efficiency ratio | 64.4063% | 5,175 |
| Assets per employee ($millions) | 10.0830% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7096% | 466 |
| Loan loss allowance to noncurrent loans | 45.5152% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 3.9980% | 1,748 |
| Noncurrent loans to loans | 8.1502% | 622 |
| Net loans and leases to total assets | 44.3129% | 6,813 |
| Net loans and leases to deposits | 65.4934% | 5,719 |
| Net loans and leases to core deposits | 72.5620% | 5,451 |
| Total domestic deposits to total assets | 67.6600% | 7,401 |
| Equity capital to assets | 27.0976% | 111 |
| Core capital (leverage) ratio | 9.6009% | 3,763 |
| Tier 1 risk-based capital ratio | 15.7499% | 2,882 |
| Total risk-based capital ratio | 17.0253% | 2,826 |
| Memoranda: | ||
| Average total assets | $4,488,840,750 | 185 |
| Average earning assets | $3,473,639,750 | 200 |
| Average equity | $1,172,873,000 | 107 |
| Average total loans | $2,046,516,000 | 233 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 7,464 |
| Cost of funding earning assets | 0.4493% | 7,603 |
| Net interest margin | 3.3982% | 5,650 |
| Noninterest income to average assets | 0.2359% | 6,216 |
| Noninterest expense to average assets | 2.1804% | 6,696 |
| Loan and lease loss provision to assets | 2.8756% | 353 |
| Net operating income to assets | -1.3228% | 7,080 |
| Return on assets (ROA) | -1.3906% | 7,127 |
| Pretax return on assets | -2.2882% | 7,318 |
| Return on Equity (ROE) | -5.3866% | 6,727 |
| Retained earnings to average equity (ytd only) | -5.3866% | 6,596 |
| Net charge-offs to loans | 3.7804% | 367 |
| Credit loss provision to net charge-offs | 167.3532% | 2,347 |
| Earnings coverage of net charge-offs (x) | 0.4036% | 5,325 |
| Efficiency ratio | 63.8301% | 5,365 |
| Assets per employee ($millions) | 10.4958% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8905% | 402 |
| Loan loss allowance to noncurrent loans | 56.8929% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 3.2676% | 2,156 |
| Noncurrent loans to loans | 6.8383% | 850 |
| Net loans and leases to total assets | 42.8758% | 6,990 |
| Net loans and leases to deposits | 64.0429% | 6,036 |
| Net loans and leases to core deposits | 72.6356% | 5,606 |
| Total domestic deposits to total assets | 66.9485% | 7,485 |
| Equity capital to assets | 26.1188% | 121 |
| Core capital (leverage) ratio | 9.2212% | 4,268 |
| Tier 1 risk-based capital ratio | 15.3861% | 2,961 |
| Total risk-based capital ratio | 16.6633% | 2,907 |
| Memoranda: | ||
| Average total assets | $4,526,442,670 | 180 |
| Average earning assets | $3,513,768,330 | 199 |
| Average equity | $1,168,563,670 | 103 |
| Average total loans | $2,057,404,000 | 233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 7,540 |
| Cost of funding earning assets | 0.4673% | 7,716 |
| Net interest margin | 3.4023% | 5,573 |
| Noninterest income to average assets | 0.2291% | 6,318 |
| Noninterest expense to average assets | 2.1143% | 6,895 |
| Loan and lease loss provision to assets | 0.4026% | 2,952 |
| Net operating income to assets | 0.2555% | 5,473 |
| Return on assets (ROA) | 0.2555% | 5,600 |
| Pretax return on assets | 0.3588% | 5,418 |
| Return on Equity (ROE) | 0.9956% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.9956% | 5,417 |
| Net charge-offs to loans | 0.2159% | 3,628 |
| Credit loss provision to net charge-offs | 406.4286% | 1,008 |
| Earnings coverage of net charge-offs (x) | 7.6866% | 2,056 |
| Efficiency ratio | 61.5243% | 5,908 |
| Assets per employee ($millions) | 10.6999% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7187% | 1,067 |
| Loan loss allowance to noncurrent loans | 45.7636% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.7063% | 2,688 |
| Noncurrent loans to loans | 5.9408% | 1,116 |
| Net loans and leases to total assets | 43.6026% | 7,026 |
| Net loans and leases to deposits | 65.9060% | 5,835 |
| Net loans and leases to core deposits | 76.7735% | 5,159 |
| Total domestic deposits to total assets | 66.1587% | 7,610 |
| Equity capital to assets | 26.4354% | 124 |
| Core capital (leverage) ratio | 10.8827% | 2,305 |
| Tier 1 risk-based capital ratio | 17.4530% | 2,093 |
| Total risk-based capital ratio | 18.7179% | 2,057 |
| Memoranda: | ||
| Average total assets | $4,522,575,000 | 184 |
| Average earning assets | $3,518,129,500 | 204 |
| Average equity | $1,160,708,000 | 99 |
| Average total loans | $2,074,726,000 | 241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 7,797 |
| Cost of funding earning assets | 0.5309% | 7,816 |
| Net interest margin | 3.1291% | 6,283 |
| Noninterest income to average assets | 0.2212% | 6,528 |
| Noninterest expense to average assets | 2.0628% | 7,260 |
| Loan and lease loss provision to assets | 1.0575% | 2,172 |
| Net operating income to assets | -0.2975% | 5,968 |
| Return on assets (ROA) | -0.2063% | 5,839 |
| Pretax return on assets | -0.3400% | 5,870 |
| Return on Equity (ROE) | -0.8081% | 5,671 |
| Retained earnings to average equity (ytd only) | -0.8081% | 5,207 |
| Net charge-offs to loans | 1.1400% | 2,144 |
| Credit loss provision to net charge-offs | 199.4782% | 1,963 |
| Earnings coverage of net charge-offs (x) | 1.0844% | 5,027 |
| Efficiency ratio | 64.6800% | 5,648 |
| Assets per employee ($millions) | 10.3362% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5096% | 1,211 |
| Loan loss allowance to noncurrent loans | 52.1598% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.3044% | 3,002 |
| Noncurrent loans to loans | 4.8115% | 1,431 |
| Net loans and leases to total assets | 45.7821% | 7,002 |
| Net loans and leases to deposits | 67.7883% | 5,860 |
| Net loans and leases to core deposits | 80.9771% | 6,000 |
| Total domestic deposits to total assets | 67.5368% | 7,579 |
| Equity capital to assets | 24.8707% | 167 |
| Core capital (leverage) ratio | 8.2991% | 5,620 |
| Tier 1 risk-based capital ratio | 12.5345% | 4,494 |
| Total risk-based capital ratio | 13.7969% | 4,429 |
| Memoranda: | ||
| Average total assets | $4,374,502,200 | 192 |
| Average earning assets | $3,378,187,800 | 214 |
| Average equity | $1,116,732,400 | 101 |
| Average total loans | $2,034,135,600 | 258 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 7,910 |
| Cost of funding earning assets | 0.5526% | 7,912 |
| Net interest margin | 3.0872% | 6,347 |
| Noninterest income to average assets | 0.2172% | 6,677 |
| Noninterest expense to average assets | 2.0423% | 7,306 |
| Loan and lease loss provision to assets | 0.8265% | 2,309 |
| Net operating income to assets | -0.1964% | 6,058 |
| Return on assets (ROA) | 0.0294% | 5,693 |
| Pretax return on assets | 0.0401% | 5,630 |
| Return on Equity (ROE) | 0.1144% | 5,739 |
| Retained earnings to average equity (ytd only) | 0.1144% | 5,154 |
| Net charge-offs to loans | 1.2262% | 1,671 |
| Credit loss provision to net charge-offs | 145.3268% | 3,346 |
| Earnings coverage of net charge-offs (x) | 0.9799% | 5,074 |
| Efficiency ratio | 64.7758% | 5,597 |
| Assets per employee ($millions) | 10.0104% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 2,187 |
| Loan loss allowance to noncurrent loans | 44.2425% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 2.0887% | 3,227 |
| Noncurrent loans to loans | 4.1417% | 1,754 |
| Net loans and leases to total assets | 48.5805% | 6,900 |
| Net loans and leases to deposits | 73.8138% | 5,385 |
| Net loans and leases to core deposits | 87.6400% | 5,677 |
| Total domestic deposits to total assets | 65.8149% | 7,695 |
| Equity capital to assets | 26.8104% | 154 |
| Core capital (leverage) ratio | 8.9245% | 4,773 |
| Tier 1 risk-based capital ratio | 13.2691% | 4,006 |
| Total risk-based capital ratio | 14.5244% | 3,951 |
| Memoranda: | ||
| Average total assets | $4,354,402,750 | 200 |
| Average earning assets | $3,360,334,750 | 223 |
| Average equity | $1,118,924,750 | 106 |
| Average total loans | $2,019,657,250 | 267 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 8,012 |
| Cost of funding earning assets | 0.5860% | 7,998 |
| Net interest margin | 3.0227% | 6,480 |
| Noninterest income to average assets | 0.2124% | 6,782 |
| Noninterest expense to average assets | 2.0106% | 7,444 |
| Loan and lease loss provision to assets | 0.9376% | 1,801 |
| Net operating income to assets | -0.2723% | 6,296 |
| Return on assets (ROA) | 0.0293% | 5,843 |
| Pretax return on assets | 0.0423% | 5,791 |
| Return on Equity (ROE) | 0.1155% | 5,882 |
| Retained earnings to average equity (ytd only) | 0.1155% | 5,159 |
| Net charge-offs to loans | 1.8673% | 1,007 |
| Credit loss provision to net charge-offs | 110.5862% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.6403% | 5,060 |
| Efficiency ratio | 64.8965% | 5,740 |
| Assets per employee ($millions) | 10.3501% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 2,826 |
| Loan loss allowance to noncurrent loans | 58.6035% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 4,359 |
| Noncurrent loans to loans | 2.6961% | 2,670 |
| Net loans and leases to total assets | 46.9143% | 7,134 |
| Net loans and leases to deposits | 71.6970% | 5,779 |
| Net loans and leases to core deposits | 81.4966% | 6,284 |
| Total domestic deposits to total assets | 65.4341% | 7,769 |
| Equity capital to assets | 26.7547% | 175 |
| Core capital (leverage) ratio | 8.4979% | 5,449 |
| Tier 1 risk-based capital ratio | 13.5650% | 3,779 |
| Total risk-based capital ratio | 14.8176% | 3,705 |
| Memoranda: | ||
| Average total assets | $4,414,423,330 | 204 |
| Average earning assets | $3,418,806,670 | 225 |
| Average equity | $1,118,846,670 | 110 |
| Average total loans | $2,004,287,330 | 280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 8,098 |
| Cost of funding earning assets | 0.6516% | 8,020 |
| Net interest margin | 2.8086% | 6,975 |
| Noninterest income to average assets | 0.2093% | 6,797 |
| Noninterest expense to average assets | 1.8595% | 7,624 |
| Loan and lease loss provision to assets | 0.4465% | 2,691 |
| Net operating income to assets | 0.0796% | 6,039 |
| Return on assets (ROA) | 0.0796% | 6,207 |
| Pretax return on assets | 0.1050% | 6,160 |
| Return on Equity (ROE) | 0.3224% | 6,330 |
| Retained earnings to average equity (ytd only) | 0.3224% | 5,531 |
| Net charge-offs to loans | 0.3514% | 2,679 |
| Credit loss provision to net charge-offs | 286.3688% | 1,683 |
| Earnings coverage of net charge-offs (x) | 3.5373% | 3,149 |
| Efficiency ratio | 62.8068% | 5,909 |
| Assets per employee ($millions) | 11.7168% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 2,347 |
| Loan loss allowance to noncurrent loans | 123.9312% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 5,794 |
| Noncurrent loans to loans | 1.3244% | 4,329 |
| Net loans and leases to total assets | 41.4337% | 7,501 |
| Net loans and leases to deposits | 69.8862% | 5,991 |
| Net loans and leases to core deposits | 78.3556% | 6,511 |
| Total domestic deposits to total assets | 59.2874% | 7,982 |
| Equity capital to assets | 23.7185% | 255 |
| Core capital (leverage) ratio | 8.2554% | 5,985 |
| Tier 1 risk-based capital ratio | 13.4726% | 3,885 |
| Total risk-based capital ratio | 14.7260% | 3,802 |
| Memoranda: | ||
| Average total assets | $4,536,085,500 | 197 |
| Average earning assets | $3,555,801,500 | 221 |
| Average equity | $1,120,287,500 | 112 |
| Average total loans | $2,012,303,500 | 282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8039% | 8,268 |
| Cost of funding earning assets | 0.1984% | 8,243 |
| Net interest margin | 0.6055% | 8,255 |
| Noninterest income to average assets | 0.0451% | 7,914 |
| Noninterest expense to average assets | 0.4097% | 8,266 |
| Loan and lease loss provision to assets | 0.1959% | 4,919 |
| Net operating income to assets | -0.0058% | 6,378 |
| Return on assets (ROA) | -0.0058% | 6,243 |
| Pretax return on assets | -0.0131% | 6,171 |
| Return on Equity (ROE) | -0.0356% | 6,243 |
| Retained earnings to average equity (ytd only) | -0.0356% | 5,271 |
| Net charge-offs to loans | 0.4423% | 2,613 |
| Credit loss provision to net charge-offs | 71.9048% | 6,046 |
| Earnings coverage of net charge-offs (x) | 0.6709% | 5,823 |
| Efficiency ratio | 55.0060% | 7,148 |
| Assets per employee ($millions) | 10.9560% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,927 |
| Loan loss allowance to noncurrent loans | 193.2760% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 6,174 |
| Noncurrent loans to loans | 0.7500% | 5,154 |
| Net loans and leases to total assets | 46.1244% | 7,319 |
| Net loans and leases to deposits | 70.5060% | 6,219 |
| Net loans and leases to core deposits | 78.3631% | 6,733 |
| Total domestic deposits to total assets | 65.4191% | 7,692 |
| Equity capital to assets | 25.7651% | 249 |
| Core capital (leverage) ratio | 8.5890% | 5,403 |
| Tier 1 risk-based capital ratio | 13.1444% | 4,035 |
| Total risk-based capital ratio | 14.3958% | 3,942 |
| Memoranda: | ||
| Average total assets | $3,115,527,800 | 252 |
| Average earning assets | $2,816,165,800 | 249 |
| Average equity | $504,980,600 | 191 |
| Average total loans | $1,919,113,200 | 285 |