Home > Columbia State Bank > Performance and Condition Ratios
Columbia State Bank, Performance and Condition Ratios
| 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 | 3.4901% | 3,102 |
| Cost of funding earning assets | 0.1202% | 4,280 |
| Net interest margin | 3.3699% | 2,347 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.9051% | 3,814 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2451% | 1,617 |
| Return on assets (ROA) | 1.2452% | 1,568 |
| Pretax return on assets | 1.5809% | 1,212 |
| Return on Equity (ROE) | 11.1300% | 2,431 |
| Retained earnings to average equity (ytd only) | 7.4486% | 2,051 |
| Net charge-offs to loans | -0.0081% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.3341% | 3,851 |
| Assets per employee ($millions) | 9.9995% | 673 |
| Cash dividends to net income (ytd only)* | 33.1060% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,660 |
| Loan loss allowance to noncurrent loans | 1,178.7665% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,142 |
| Noncurrent loans to loans | 0.1150% | 2,953 |
| Net loans and leases to total assets | 56.9100% | 2,927 |
| Net loans and leases to deposits | 68.9290% | 2,671 |
| Net loans and leases to core deposits | 69.4414% | 2,917 |
| Total domestic deposits to total assets | 82.5600% | 3,525 |
| Equity capital to assets | 10.9358% | 1,285 |
| Core capital (leverage) ratio | 9.4699% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9732% | 1,988 |
| Memoranda: | ||
| Average total assets | $20,620,524,200 | 98 |
| Average earning assets | $18,697,482,200 | 97 |
| Average equity | $2,305,918,800 | 96 |
| Average total loans | $11,224,619,800 | 108 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3351% | 3,088 |
| Cost of funding earning assets | 0.0669% | 4,495 |
| Net interest margin | 3.2682% | 2,397 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.8975% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1983% | 1,696 |
| Return on assets (ROA) | 1.1984% | 1,672 |
| Pretax return on assets | 1.5239% | 1,344 |
| Return on Equity (ROE) | 10.6600% | 2,519 |
| Retained earnings to average equity (ytd only) | 6.9371% | 2,382 |
| Net charge-offs to loans | 0.0031% | 2,123 |
| Credit loss provision to net charge-offs | -175.0973% | 4,658 |
| Earnings coverage of net charge-offs (x) | 919.2412% | 170 |
| Efficiency ratio | 54.2416% | 3,802 |
| Assets per employee ($millions) | 10.0201% | 656 |
| Cash dividends to net income (ytd only)* | 34.9189% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 1,913 |
| Loan loss allowance to noncurrent loans | 1,148.4687% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,230 |
| Noncurrent loans to loans | 0.1153% | 3,066 |
| Net loans and leases to total assets | 56.5600% | 2,847 |
| Net loans and leases to deposits | 64.2426% | 2,850 |
| Net loans and leases to core deposits | 64.6991% | 3,057 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 10.3748% | 1,429 |
| Core capital (leverage) ratio | 9.0965% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5715% | 2,230 |
| Memoranda: | ||
| Average total assets | $20,710,908,250 | 99 |
| Average earning assets | $18,826,723,500 | 98 |
| Average equity | $2,328,527,000 | 98 |
| Average total loans | $11,108,820,750 | 109 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 3,101 |
| Cost of funding earning assets | 0.0475% | 4,609 |
| Net interest margin | 3.1345% | 2,425 |
| Noninterest income to average assets | 0.4268% | 2,585 |
| Noninterest expense to average assets | 1.8675% | 3,785 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 1.1528% | 1,594 |
| Return on assets (ROA) | 1.1539% | 1,571 |
| Pretax return on assets | 1.4688% | 1,253 |
| Return on Equity (ROE) | 10.0105% | 2,329 |
| Retained earnings to average equity (ytd only) | 6.2589% | 2,256 |
| Net charge-offs to loans | -0.0010% | 3,045 |
| Credit loss provision to net charge-offs | 10,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5307% | 3,818 |
| Assets per employee ($millions) | 10.0223% | 652 |
| Cash dividends to net income (ytd only)* | 37.4768% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,077 |
| Loan loss allowance to noncurrent loans | 882.0744% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 3,151 |
| Noncurrent loans to loans | 0.1501% | 2,947 |
| Net loans and leases to total assets | 54.3699% | 2,922 |
| Net loans and leases to deposits | 62.1615% | 2,879 |
| Net loans and leases to core deposits | 62.6439% | 3,062 |
| Total domestic deposits to total assets | 87.4654% | 2,779 |
| Equity capital to assets | 10.9196% | 1,246 |
| Core capital (leverage) ratio | 8.8572% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6704% | 2,220 |
| Memoranda: | ||
| Average total assets | $20,814,266,333 | 96 |
| Average earning assets | $18,978,880,667 | 97 |
| Average equity | $2,399,187,000 | 95 |
| Average total loans | $10,913,923,667 | 108 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1174% | 2,925 |
| Cost of funding earning assets | 0.0394% | 4,661 |
| Net interest margin | 3.0779% | 2,242 |
| Noninterest income to average assets | 0.4308% | 2,495 |
| Noninterest expense to average assets | 1.9231% | 3,625 |
| Loan and lease loss provision to assets | -0.1394% | 4,637 |
| Net operating income to assets | 1.1508% | 1,374 |
| Return on assets (ROA) | 1.1530% | 1,367 |
| Pretax return on assets | 1.4654% | 1,090 |
| Return on Equity (ROE) | 9.7507% | 2,070 |
| Retained earnings to average equity (ytd only) | 6.0357% | 2,244 |
| Net charge-offs to loans | 0.0310% | 993 |
| Credit loss provision to net charge-offs | -940.8926% | 3,255 |
| Earnings coverage of net charge-offs (x) | 83.5802% | 729 |
| Efficiency ratio | 57.8908% | 3,696 |
| Assets per employee ($millions) | 9.6867% | 735 |
| Cash dividends to net income (ytd only)* | 38.0997% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,047 |
| Loan loss allowance to noncurrent loans | 842.5492% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 3,224 |
| Noncurrent loans to loans | 0.1620% | 2,997 |
| Net loans and leases to total assets | 50.6720% | 3,106 |
| Net loans and leases to deposits | 57.9796% | 3,080 |
| Net loans and leases to core deposits | 58.4404% | 3,275 |
| Total domestic deposits to total assets | 87.3962% | 2,787 |
| Equity capital to assets | 11.2814% | 1,203 |
| Core capital (leverage) ratio | 8.6989% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9934% | 2,204 |
| Memoranda: | ||
| Average total assets | $20,943,492,500 | 97 |
| Average earning assets | $19,158,088,000 | 99 |
| Average equity | $2,476,470,500 | 94 |
| Average total loans | $10,707,833,000 | 109 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2599% | 3,325 |
| Cost of funding earning assets | 0.0393% | 4,732 |
| Net interest margin | 3.2205% | 2,552 |
| Noninterest income to average assets | 0.4687% | 2,736 |
| Noninterest expense to average assets | 1.9481% | 3,819 |
| Loan and lease loss provision to assets | 0.0273% | 2,508 |
| Net operating income to assets | 1.1286% | 2,177 |
| Return on assets (ROA) | 1.1297% | 2,226 |
| Pretax return on assets | 1.4288% | 1,951 |
| Return on Equity (ROE) | 8.7031% | 3,009 |
| Retained earnings to average equity (ytd only) | 4.1538% | 3,166 |
| Net charge-offs to loans | 0.0100% | 2,184 |
| Credit loss provision to net charge-offs | 490.7975% | 814 |
| Earnings coverage of net charge-offs (x) | 272.0337% | 433 |
| Efficiency ratio | 55.9652% | 3,707 |
| Assets per employee ($millions) | 9.7643% | 713 |
| Cash dividends to net income (ytd only)* | 52.2727% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,695 |
| Loan loss allowance to noncurrent loans | 675.2224% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 3,146 |
| Noncurrent loans to loans | 0.2163% | 2,880 |
| Net loans and leases to total assets | 50.1378% | 3,254 |
| Net loans and leases to deposits | 58.2362% | 3,232 |
| Net loans and leases to core deposits | 58.7586% | 3,412 |
| Total domestic deposits to total assets | 86.0939% | 2,864 |
| Equity capital to assets | 12.3681% | 1,100 |
| Core capital (leverage) ratio | 8.6002% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1846% | 2,168 |
| Memoranda: | ||
| Average total assets | $18,288,076,400 | 109 |
| Average earning assets | $16,661,707,400 | 108 |
| Average equity | $2,373,957,000 | 102 |
| Average total loans | $9,809,476,400 | 122 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2681% | 3,465 |
| Cost of funding earning assets | 0.0388% | 4,819 |
| Net interest margin | 3.2293% | 2,638 |
| Noninterest income to average assets | 0.4846% | 2,694 |
| Noninterest expense to average assets | 1.9171% | 3,900 |
| Loan and lease loss provision to assets | -0.0310% | 4,396 |
| Net operating income to assets | 1.2233% | 2,093 |
| Return on assets (ROA) | 1.2246% | 2,143 |
| Pretax return on assets | 1.5354% | 1,890 |
| Return on Equity (ROE) | 9.3035% | 3,002 |
| Retained earnings to average equity (ytd only) | 3.0971% | 3,871 |
| Net charge-offs to loans | 0.0008% | 2,427 |
| Credit loss provision to net charge-offs | -11,454.5455% | 4,216 |
| Earnings coverage of net charge-offs (x) | 3,612.0364% | 35 |
| Efficiency ratio | 54.8175% | 3,690 |
| Assets per employee ($millions) | 9.3359% | 807 |
| Cash dividends to net income (ytd only)* | 66.7099% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,645 |
| Loan loss allowance to noncurrent loans | 590.6064% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 3,233 |
| Noncurrent loans to loans | 0.2536% | 2,916 |
| Net loans and leases to total assets | 50.4915% | 3,351 |
| Net loans and leases to deposits | 58.5904% | 3,354 |
| Net loans and leases to core deposits | 59.0064% | 3,545 |
| Total domestic deposits to total assets | 86.1770% | 2,679 |
| Equity capital to assets | 12.4113% | 1,217 |
| Core capital (leverage) ratio | 8.4204% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8728% | 2,407 |
| Memoranda: | ||
| Average total assets | $17,626,452,500 | 110 |
| Average earning assets | $16,021,065,500 | 110 |
| Average equity | $2,320,141,750 | 106 |
| Average total loans | $9,598,917,750 | 127 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 3,524 |
| Cost of funding earning assets | 0.0394% | 4,859 |
| Net interest margin | 3.2266% | 2,673 |
| Noninterest income to average assets | 0.4921% | 2,653 |
| Noninterest expense to average assets | 1.9058% | 3,949 |
| Loan and lease loss provision to assets | -0.0532% | 4,530 |
| Net operating income to assets | 1.2496% | 2,024 |
| Return on assets (ROA) | 1.2515% | 2,084 |
| Pretax return on assets | 1.5688% | 1,827 |
| Return on Equity (ROE) | 9.3173% | 3,008 |
| Retained earnings to average equity (ytd only) | 3.0354% | 3,828 |
| Net charge-offs to loans | -0.0031% | 3,297 |
| Credit loss provision to net charge-offs | 4,256.7568% | 161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4643% | 3,747 |
| Assets per employee ($millions) | 8.9090% | 888 |
| Cash dividends to net income (ytd only)* | 67.4215% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,676 |
| Loan loss allowance to noncurrent loans | 595.2625% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 3,337 |
| Noncurrent loans to loans | 0.2475% | 3,062 |
| Net loans and leases to total assets | 53.1142% | 3,238 |
| Net loans and leases to deposits | 62.1272% | 3,185 |
| Net loans and leases to core deposits | 62.5739% | 3,412 |
| Total domestic deposits to total assets | 85.4927% | 2,914 |
| Equity capital to assets | 12.8514% | 997 |
| Core capital (leverage) ratio | 8.6282% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0367% | 2,350 |
| Memoranda: | ||
| Average total assets | $17,302,903,333 | 110 |
| Average earning assets | $15,695,588,333 | 110 |
| Average equity | $2,324,140,667 | 106 |
| Average total loans | $9,620,977,000 | 126 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3194% | 3,403 |
| Cost of funding earning assets | 0.0411% | 4,892 |
| Net interest margin | 3.2783% | 2,452 |
| Noninterest income to average assets | 0.5174% | 2,531 |
| Noninterest expense to average assets | 1.9288% | 3,917 |
| Loan and lease loss provision to assets | 0.0165% | 2,560 |
| Net operating income to assets | 1.2400% | 2,011 |
| Return on assets (ROA) | 1.2406% | 2,091 |
| Pretax return on assets | 1.5413% | 1,882 |
| Return on Equity (ROE) | 9.0292% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.1098% | 2,852 |
| Net charge-offs to loans | 0.0019% | 1,854 |
| Credit loss provision to net charge-offs | -1,739.1304% | 3,520 |
| Earnings coverage of net charge-offs (x) | 1,434.4783% | 61 |
| Efficiency ratio | 54.0301% | 3,775 |
| Assets per employee ($millions) | 8.4231% | 1,017 |
| Cash dividends to net income (ytd only)* | 32.3329% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 1,509 |
| Loan loss allowance to noncurrent loans | 441.5878% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,182 |
| Noncurrent loans to loans | 0.3461% | 2,855 |
| Net loans and leases to total assets | 55.1427% | 3,135 |
| Net loans and leases to deposits | 64.6561% | 3,068 |
| Net loans and leases to core deposits | 65.1517% | 3,304 |
| Total domestic deposits to total assets | 85.2862% | 3,000 |
| Equity capital to assets | 13.2447% | 850 |
| Core capital (leverage) ratio | 9.0929% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5776% | 2,051 |
| Memoranda: | ||
| Average total assets | $16,951,772,500 | 112 |
| Average earning assets | $15,349,552,500 | 111 |
| Average equity | $2,329,255,500 | 104 |
| Average total loans | $9,578,318,000 | 126 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 3,236 |
| Cost of funding earning assets | 0.1152% | 4,827 |
| Net interest margin | 3.7088% | 1,770 |
| Noninterest income to average assets | 0.5272% | 2,519 |
| Noninterest expense to average assets | 2.1635% | 3,773 |
| Loan and lease loss provision to assets | 0.5058% | 477 |
| Net operating income to assets | 0.9370% | 2,533 |
| Return on assets (ROA) | 1.0239% | 2,347 |
| Pretax return on assets | 1.2775% | 2,056 |
| Return on Equity (ROE) | 6.9135% | 3,241 |
| Retained earnings to average equity (ytd only) | 3.0020% | 3,353 |
| Net charge-offs to loans | 0.1517% | 1,074 |
| Credit loss provision to net charge-offs | 548.7288% | 1,179 |
| Earnings coverage of net charge-offs (x) | 18.1689% | 2,038 |
| Efficiency ratio | 54.8898% | 4,103 |
| Assets per employee ($millions) | 8.0394% | 1,025 |
| Cash dividends to net income (ytd only)* | 56.5769% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,360 |
| Loan loss allowance to noncurrent loans | 428.4893% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,223 |
| Noncurrent loans to loans | 0.3682% | 2,880 |
| Net loans and leases to total assets | 56.1312% | 3,288 |
| Net loans and leases to deposits | 67.0235% | 3,180 |
| Net loans and leases to core deposits | 67.5719% | 3,436 |
| Total domestic deposits to total assets | 83.7487% | 3,187 |
| Equity capital to assets | 14.2587% | 740 |
| Core capital (leverage) ratio | 9.0768% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3289% | 2,113 |
| Memoranda: | ||
| Average total assets | $15,363,194,800 | 115 |
| Average earning assets | $13,715,167,800 | 116 |
| Average equity | $2,275,387,800 | 101 |
| Average total loans | $9,334,480,400 | 126 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 3,347 |
| Cost of funding earning assets | 0.1402% | 4,826 |
| Net interest margin | 3.7324% | 1,828 |
| Noninterest income to average assets | 0.5241% | 2,507 |
| Noninterest expense to average assets | 2.1990% | 3,681 |
| Loan and lease loss provision to assets | 0.7295% | 277 |
| Net operating income to assets | 0.7501% | 3,285 |
| Return on assets (ROA) | 0.8709% | 2,945 |
| Pretax return on assets | 1.0659% | 2,862 |
| Return on Equity (ROE) | 5.8207% | 3,612 |
| Retained earnings to average equity (ytd only) | 1.7380% | 4,016 |
| Net charge-offs to loans | 0.1581% | 932 |
| Credit loss provision to net charge-offs | 746.9181% | 1,031 |
| Earnings coverage of net charge-offs (x) | 16.8729% | 2,040 |
| Efficiency ratio | 55.6170% | 3,969 |
| Assets per employee ($millions) | 7.9533% | 1,014 |
| Cash dividends to net income (ytd only)* | 70.1419% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 1,055 |
| Loan loss allowance to noncurrent loans | 332.3410% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 2,977 |
| Noncurrent loans to loans | 0.4862% | 2,607 |
| Net loans and leases to total assets | 58.9002% | 3,334 |
| Net loans and leases to deposits | 70.2028% | 3,297 |
| Net loans and leases to core deposits | 70.7710% | 3,573 |
| Total domestic deposits to total assets | 83.9001% | 2,849 |
| Equity capital to assets | 14.3001% | 786 |
| Core capital (leverage) ratio | 9.1397% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0825% | 2,160 |
| Memoranda: | ||
| Average total assets | $15,059,687,750 | 114 |
| Average earning assets | $13,407,494,250 | 116 |
| Average equity | $2,253,311,750 | 102 |
| Average total loans | $9,304,565,000 | 127 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 3,322 |
| Cost of funding earning assets | 0.1829% | 4,802 |
| Net interest margin | 3.8172% | 1,784 |
| Noninterest income to average assets | 0.5204% | 2,491 |
| Noninterest expense to average assets | 2.2290% | 3,704 |
| Loan and lease loss provision to assets | 1.0224% | 198 |
| Net operating income to assets | 0.5353% | 3,919 |
| Return on assets (ROA) | 0.7214% | 3,423 |
| Pretax return on assets | 0.8834% | 3,360 |
| Return on Equity (ROE) | 4.7441% | 3,900 |
| Retained earnings to average equity (ytd only) | 0.0826% | 4,292 |
| Net charge-offs to loans | 0.1975% | 779 |
| Credit loss provision to net charge-offs | 828.3632% | 905 |
| Earnings coverage of net charge-offs (x) | 13.6018% | 1,985 |
| Efficiency ratio | 55.4633% | 4,008 |
| Assets per employee ($millions) | 7.5305% | 1,163 |
| Cash dividends to net income (ytd only)* | 98.2597% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,134 |
| Loan loss allowance to noncurrent loans | 282.0405% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 2,932 |
| Noncurrent loans to loans | 0.5482% | 2,526 |
| Net loans and leases to total assets | 60.6409% | 3,249 |
| Net loans and leases to deposits | 73.4198% | 3,129 |
| Net loans and leases to core deposits | 74.0537% | 3,455 |
| Total domestic deposits to total assets | 82.5949% | 3,207 |
| Equity capital to assets | 14.4242% | 751 |
| Core capital (leverage) ratio | 9.4205% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8961% | 2,223 |
| Memoranda: | ||
| Average total assets | $14,671,349,333 | 116 |
| Average earning assets | $13,019,706,333 | 115 |
| Average equity | $2,231,031,667 | 104 |
| Average total loans | $9,168,302,000 | 128 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,997 |
| Cost of funding earning assets | 0.2578% | 4,754 |
| Net interest margin | 4.0169% | 1,343 |
| Noninterest income to average assets | 0.5476% | 2,294 |
| Noninterest expense to average assets | 2.3825% | 3,573 |
| Loan and lease loss provision to assets | 1.1814% | 155 |
| Net operating income to assets | 0.4367% | 4,056 |
| Return on assets (ROA) | 0.4417% | 4,088 |
| Pretax return on assets | 0.5404% | 4,054 |
| Return on Equity (ROE) | 2.8224% | 4,260 |
| Retained earnings to average equity (ytd only) | -1.5433% | 4,202 |
| Net charge-offs to loans | 0.2271% | 622 |
| Credit loss provision to net charge-offs | 825.7063% | 652 |
| Earnings coverage of net charge-offs (x) | 11.9912% | 1,710 |
| Efficiency ratio | 56.5307% | 4,156 |
| Assets per employee ($millions) | 6.4035% | 1,400 |
| Cash dividends to net income (ytd only)* | 154.6790% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,833 |
| Loan loss allowance to noncurrent loans | 256.2050% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 3,070 |
| Noncurrent loans to loans | 0.5328% | 2,668 |
| Net loans and leases to total assets | 62.8716% | 3,207 |
| Net loans and leases to deposits | 81.5170% | 2,521 |
| Net loans and leases to core deposits | 82.4440% | 2,985 |
| Total domestic deposits to total assets | 77.1269% | 4,336 |
| Equity capital to assets | 15.9791% | 585 |
| Core capital (leverage) ratio | 10.0687% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4054% | 2,530 |
| Memoranda: | ||
| Average total assets | $14,051,051,000 | 117 |
| Average earning assets | $12,419,814,500 | 115 |
| Average equity | $2,198,964,500 | 104 |
| Average total loans | $8,852,102,500 | 130 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 2,803 |
| Cost of funding earning assets | 0.2946% | 4,742 |
| Net interest margin | 4.2466% | 1,217 |
| Noninterest income to average assets | 0.6688% | 1,928 |
| Noninterest expense to average assets | 2.5612% | 3,286 |
| Loan and lease loss provision to assets | 0.0260% | 3,496 |
| Net operating income to assets | 1.4619% | 1,151 |
| Return on assets (ROA) | 1.4748% | 1,172 |
| Pretax return on assets | 1.8330% | 872 |
| Return on Equity (ROE) | 9.3242% | 2,595 |
| Retained earnings to average equity (ytd only) | 1.4039% | 4,242 |
| Net charge-offs to loans | 0.0336% | 2,714 |
| Credit loss provision to net charge-offs | 120.6980% | 2,103 |
| Earnings coverage of net charge-offs (x) | 85.4043% | 759 |
| Efficiency ratio | 56.3793% | 4,161 |
| Assets per employee ($millions) | 6.6097% | 1,231 |
| Cash dividends to net income (ytd only)* | 84.9433% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,707 |
| Loan loss allowance to noncurrent loans | 240.6856% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,430 |
| Noncurrent loans to loans | 0.3982% | 3,014 |
| Net loans and leases to total assets | 61.6630% | 3,435 |
| Net loans and leases to deposits | 80.9367% | 2,668 |
| Net loans and leases to core deposits | 82.1960% | 3,104 |
| Total domestic deposits to total assets | 76.1867% | 4,580 |
| Equity capital to assets | 15.3215% | 724 |
| Core capital (leverage) ratio | 10.2214% | 3,274 |
| Tier 1 risk-based capital ratio | 12.4628% | 4,091 |
| Total risk-based capital ratio | 13.2892% | 4,212 |
| Memoranda: | ||
| Average total assets | $13,410,866,600 | 116 |
| Average earning assets | $11,796,309,800 | 116 |
| Average equity | $2,121,129,000 | 103 |
| Average total loans | $8,622,385,800 | 125 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 2,718 |
| Cost of funding earning assets | 0.3085% | 4,777 |
| Net interest margin | 4.2919% | 1,179 |
| Noninterest income to average assets | 0.6946% | 1,810 |
| Noninterest expense to average assets | 2.5876% | 3,200 |
| Loan and lease loss provision to assets | 0.0189% | 3,532 |
| Net operating income to assets | 1.5005% | 1,183 |
| Return on assets (ROA) | 1.5181% | 1,197 |
| Pretax return on assets | 1.8796% | 914 |
| Return on Equity (ROE) | 9.5188% | 2,662 |
| Retained earnings to average equity (ytd only) | 1.3135% | 4,487 |
| Net charge-offs to loans | 0.0402% | 2,292 |
| Credit loss provision to net charge-offs | 72.6043% | 2,589 |
| Earnings coverage of net charge-offs (x) | 72.0452% | 929 |
| Efficiency ratio | 56.1497% | 4,157 |
| Assets per employee ($millions) | 6.5338% | 1,257 |
| Cash dividends to net income (ytd only)* | 86.2006% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 3,856 |
| Loan loss allowance to noncurrent loans | 221.0220% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 3,444 |
| Noncurrent loans to loans | 0.4264% | 3,029 |
| Net loans and leases to total assets | 63.1736% | 3,369 |
| Net loans and leases to deposits | 79.8570% | 2,913 |
| Net loans and leases to core deposits | 80.7897% | 3,330 |
| Total domestic deposits to total assets | 79.1083% | 4,169 |
| Equity capital to assets | 15.7891% | 679 |
| Core capital (leverage) ratio | 10.3505% | 3,253 |
| Tier 1 risk-based capital ratio | 12.5158% | 4,135 |
| Total risk-based capital ratio | 13.3436% | 4,265 |
| Memoranda: | ||
| Average total assets | $13,245,584,500 | 116 |
| Average earning assets | $11,634,414,500 | 117 |
| Average equity | $2,112,401,500 | 103 |
| Average total loans | $8,587,686,500 | 125 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 2,507 |
| Cost of funding earning assets | 0.3009% | 4,827 |
| Net interest margin | 4.3526% | 1,035 |
| Noninterest income to average assets | 0.6467% | 1,937 |
| Noninterest expense to average assets | 2.6029% | 3,195 |
| Loan and lease loss provision to assets | 0.0242% | 3,325 |
| Net operating income to assets | 1.4929% | 1,168 |
| Return on assets (ROA) | 1.5194% | 1,140 |
| Pretax return on assets | 1.8764% | 878 |
| Return on Equity (ROE) | 9.4942% | 2,636 |
| Retained earnings to average equity (ytd only) | 1.8484% | 4,161 |
| Net charge-offs to loans | 0.1040% | 1,350 |
| Credit loss provision to net charge-offs | 35.6418% | 2,563 |
| Earnings coverage of net charge-offs (x) | 27.5479% | 1,537 |
| Efficiency ratio | 56.3748% | 4,205 |
| Assets per employee ($millions) | 6.1803% | 1,416 |
| Cash dividends to net income (ytd only)* | 80.5307% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 3,961 |
| Loan loss allowance to noncurrent loans | 201.9210% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 3,284 |
| Noncurrent loans to loans | 0.4605% | 2,901 |
| Net loans and leases to total assets | 65.5675% | 3,161 |
| Net loans and leases to deposits | 83.8762% | 2,502 |
| Net loans and leases to core deposits | 85.0865% | 3,023 |
| Total domestic deposits to total assets | 78.1718% | 4,359 |
| Equity capital to assets | 16.4509% | 542 |
| Core capital (leverage) ratio | 10.5819% | 2,997 |
| Tier 1 risk-based capital ratio | 12.8132% | 3,936 |
| Total risk-based capital ratio | 13.6461% | 4,064 |
| Memoranda: | ||
| Average total assets | $13,076,197,670 | 117 |
| Average earning assets | $11,488,354,670 | 118 |
| Average equity | $2,092,673,000 | 102 |
| Average total loans | $8,526,451,670 | 126 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 2,777 |
| Cost of funding earning assets | 0.2578% | 4,961 |
| Net interest margin | 4.2706% | 1,149 |
| Noninterest income to average assets | 0.5555% | 2,256 |
| Noninterest expense to average assets | 2.5565% | 3,351 |
| Loan and lease loss provision to assets | 0.0417% | 2,797 |
| Net operating income to assets | 1.3860% | 1,415 |
| Return on assets (ROA) | 1.4322% | 1,317 |
| Pretax return on assets | 1.7698% | 1,050 |
| Return on Equity (ROE) | 9.0760% | 2,777 |
| Retained earnings to average equity (ytd only) | -2.5586% | 4,787 |
| Net charge-offs to loans | 0.0689% | 1,367 |
| Credit loss provision to net charge-offs | 93.4842% | 1,686 |
| Earnings coverage of net charge-offs (x) | 39.3278% | 1,163 |
| Efficiency ratio | 57.3508% | 4,163 |
| Assets per employee ($millions) | 6.1901% | 1,412 |
| Cash dividends to net income (ytd only)* | 128.1914% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,840 |
| Loan loss allowance to noncurrent loans | 156.5330% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 2,784 |
| Noncurrent loans to loans | 0.6240% | 2,455 |
| Net loans and leases to total assets | 64.6619% | 3,209 |
| Net loans and leases to deposits | 81.2493% | 2,696 |
| Net loans and leases to core deposits | 82.4600% | 3,151 |
| Total domestic deposits to total assets | 79.5845% | 4,240 |
| Equity capital to assets | 15.9003% | 588 |
| Core capital (leverage) ratio | 10.3058% | 3,267 |
| Tier 1 risk-based capital ratio | 12.7042% | 4,041 |
| Total risk-based capital ratio | 13.5787% | 4,149 |
| Memoranda: | ||
| Average total assets | $13,072,439,500 | 116 |
| Average earning assets | $11,495,752,500 | 118 |
| Average equity | $2,062,814,000 | 102 |
| Average total loans | $8,460,088,000 | 127 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 2,521 |
| Cost of funding earning assets | 0.1459% | 5,184 |
| Net interest margin | 4.3332% | 1,084 |
| Noninterest income to average assets | 0.6376% | 2,112 |
| Noninterest expense to average assets | 2.6281% | 3,248 |
| Loan and lease loss provision to assets | 0.1156% | 1,905 |
| Net operating income to assets | 1.3825% | 1,490 |
| Return on assets (ROA) | 1.3819% | 1,485 |
| Pretax return on assets | 1.6944% | 1,181 |
| Return on Equity (ROE) | 8.8495% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.5767% | 3,007 |
| Net charge-offs to loans | 0.0837% | 1,942 |
| Credit loss provision to net charge-offs | 209.5927% | 1,384 |
| Earnings coverage of net charge-offs (x) | 32.8306% | 1,511 |
| Efficiency ratio | 57.0500% | 4,279 |
| Assets per employee ($millions) | 6.2215% | 1,378 |
| Cash dividends to net income (ytd only)* | 48.2828% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,741 |
| Loan loss allowance to noncurrent loans | 149.7476% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,677 |
| Noncurrent loans to loans | 0.6631% | 2,336 |
| Net loans and leases to total assets | 63.4989% | 3,405 |
| Net loans and leases to deposits | 79.3801% | 3,018 |
| Net loans and leases to core deposits | 80.5033% | 3,390 |
| Total domestic deposits to total assets | 79.9934% | 4,109 |
| Equity capital to assets | 15.6597% | 592 |
| Core capital (leverage) ratio | 10.4372% | 3,097 |
| Tier 1 risk-based capital ratio | 12.9803% | 3,853 |
| Total risk-based capital ratio | 13.8718% | 3,947 |
| Memoranda: | ||
| Average total assets | $12,777,108,800 | 112 |
| Average earning assets | $11,208,444,800 | 115 |
| Average equity | $1,995,180,400 | 96 |
| Average total loans | $8,416,839,400 | 122 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 2,484 |
| Cost of funding earning assets | 0.1305% | 5,275 |
| Net interest margin | 4.3134% | 1,086 |
| Noninterest income to average assets | 0.6526% | 2,059 |
| Noninterest expense to average assets | 2.6212% | 3,225 |
| Loan and lease loss provision to assets | 0.1363% | 1,469 |
| Net operating income to assets | 1.3741% | 1,580 |
| Return on assets (ROA) | 1.3735% | 1,582 |
| Pretax return on assets | 1.6773% | 1,328 |
| Return on Equity (ROE) | 8.8023% | 3,187 |
| Retained earnings to average equity (ytd only) | 5.0679% | 3,201 |
| Net charge-offs to loans | 0.0766% | 1,758 |
| Credit loss provision to net charge-offs | 268.2927% | 1,114 |
| Earnings coverage of net charge-offs (x) | 35.7178% | 1,444 |
| Efficiency ratio | 56.8836% | 4,268 |
| Assets per employee ($millions) | 6.1836% | 1,360 |
| Cash dividends to net income (ytd only)* | 42.4257% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,872 |
| Loan loss allowance to noncurrent loans | 135.6166% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 2,604 |
| Noncurrent loans to loans | 0.7252% | 2,267 |
| Net loans and leases to total assets | 65.1496% | 3,290 |
| Net loans and leases to deposits | 79.4016% | 3,099 |
| Net loans and leases to core deposits | 80.5777% | 3,451 |
| Total domestic deposits to total assets | 82.0507% | 3,597 |
| Equity capital to assets | 15.4396% | 630 |
| Core capital (leverage) ratio | 10.4320% | 3,150 |
| Tier 1 risk-based capital ratio | 12.6699% | 4,099 |
| Total risk-based capital ratio | 13.5540% | 4,211 |
| Memoranda: | ||
| Average total assets | $12,698,890,250 | 111 |
| Average earning assets | $11,137,297,500 | 113 |
| Average equity | $1,981,511,750 | 96 |
| Average total loans | $8,422,209,250 | 119 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,488 |
| Cost of funding earning assets | 0.1192% | 5,347 |
| Net interest margin | 4.2604% | 1,133 |
| Noninterest income to average assets | 0.6844% | 1,933 |
| Noninterest expense to average assets | 2.6639% | 3,123 |
| Loan and lease loss provision to assets | 0.1558% | 1,210 |
| Net operating income to assets | 1.3244% | 1,685 |
| Return on assets (ROA) | 1.3243% | 1,684 |
| Pretax return on assets | 1.5985% | 1,506 |
| Return on Equity (ROE) | 8.4564% | 3,286 |
| Retained earnings to average equity (ytd only) | 4.7613% | 3,200 |
| Net charge-offs to loans | 0.1269% | 1,165 |
| Credit loss provision to net charge-offs | 184.6139% | 1,377 |
| Earnings coverage of net charge-offs (x) | 20.7903% | 1,795 |
| Efficiency ratio | 58.0405% | 4,227 |
| Assets per employee ($millions) | 6.0935% | 1,405 |
| Cash dividends to net income (ytd only)* | 43.6953% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,128 |
| Loan loss allowance to noncurrent loans | 112.8619% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 2,369 |
| Noncurrent loans to loans | 0.8393% | 2,045 |
| Net loans and leases to total assets | 66.4098% | 3,079 |
| Net loans and leases to deposits | 80.6093% | 2,887 |
| Net loans and leases to core deposits | 81.8588% | 3,259 |
| Total domestic deposits to total assets | 82.3848% | 3,598 |
| Equity capital to assets | 15.7292% | 547 |
| Core capital (leverage) ratio | 10.4109% | 3,129 |
| Tier 1 risk-based capital ratio | 12.4867% | 4,191 |
| Total risk-based capital ratio | 13.3405% | 4,319 |
| Memoranda: | ||
| Average total assets | $12,615,734,670 | 111 |
| Average earning assets | $11,056,592,000 | 112 |
| Average equity | $1,975,624,670 | 95 |
| Average total loans | $8,389,748,330 | 118 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 2,336 |
| Cost of funding earning assets | 0.1154% | 5,407 |
| Net interest margin | 4.2397% | 1,079 |
| Noninterest income to average assets | 0.7034% | 1,814 |
| Noninterest expense to average assets | 2.7110% | 3,007 |
| Loan and lease loss provision to assets | 0.1856% | 918 |
| Net operating income to assets | 1.2972% | 1,649 |
| Return on assets (ROA) | 1.2978% | 1,649 |
| Pretax return on assets | 1.5220% | 1,623 |
| Return on Equity (ROE) | 8.3058% | 3,243 |
| Retained earnings to average equity (ytd only) | 4.9572% | 3,199 |
| Net charge-offs to loans | 0.0800% | 1,330 |
| Credit loss provision to net charge-offs | 350.2095% | 740 |
| Earnings coverage of net charge-offs (x) | 32.2118% | 1,199 |
| Efficiency ratio | 59.0768% | 4,202 |
| Assets per employee ($millions) | 5.9514% | 1,553 |
| Cash dividends to net income (ytd only)* | 40.3167% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 4,189 |
| Loan loss allowance to noncurrent loans | 99.5362% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 2,120 |
| Noncurrent loans to loans | 0.9612% | 1,898 |
| Net loans and leases to total assets | 65.9982% | 3,030 |
| Net loans and leases to deposits | 79.4453% | 2,873 |
| Net loans and leases to core deposits | 83.4358% | 3,021 |
| Total domestic deposits to total assets | 83.0738% | 3,644 |
| Equity capital to assets | 15.7335% | 532 |
| Core capital (leverage) ratio | 10.1566% | 3,350 |
| Tier 1 risk-based capital ratio | 12.2638% | 4,398 |
| Total risk-based capital ratio | 13.1237% | 4,513 |
| Memoranda: | ||
| Average total assets | $12,613,745,500 | 111 |
| Average earning assets | $11,051,284,000 | 112 |
| Average equity | $1,970,949,000 | 95 |
| Average total loans | $8,354,182,500 | 117 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 2,805 |
| Cost of funding earning assets | 0.0701% | 5,578 |
| Net interest margin | 4.0997% | 1,439 |
| Noninterest income to average assets | 0.9754% | 1,078 |
| Noninterest expense to average assets | 2.7582% | 2,928 |
| Loan and lease loss provision to assets | 0.0843% | 2,523 |
| Net operating income to assets | 1.1352% | 1,733 |
| Return on assets (ROA) | 1.1351% | 1,767 |
| Pretax return on assets | 1.7754% | 850 |
| Return on Equity (ROE) | 8.2233% | 2,687 |
| Retained earnings to average equity (ytd only) | 3.4988% | 3,188 |
| Net charge-offs to loans | 0.0448% | 2,892 |
| Credit loss provision to net charge-offs | 285.0396% | 986 |
| Earnings coverage of net charge-offs (x) | 62.9128% | 926 |
| Efficiency ratio | 58.3889% | 4,483 |
| Assets per employee ($millions) | 6.0851% | 1,462 |
| Cash dividends to net income (ytd only)* | 57.4525% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 4,457 |
| Loan loss allowance to noncurrent loans | 111.7173% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,423 |
| Noncurrent loans to loans | 0.8095% | 2,188 |
| Net loans and leases to total assets | 65.2363% | 3,197 |
| Net loans and leases to deposits | 78.5915% | 3,051 |
| Net loans and leases to core deposits | 82.4770% | 3,205 |
| Total domestic deposits to total assets | 83.0068% | 3,561 |
| Equity capital to assets | 15.5188% | 584 |
| Core capital (leverage) ratio | 10.7814% | 2,553 |
| Tier 1 risk-based capital ratio | 11.9719% | 4,551 |
| Total risk-based capital ratio | 12.7709% | 4,734 |
| Memoranda: | ||
| Average total assets | $10,243,200,600 | 119 |
| Average earning assets | $9,101,029,400 | 122 |
| Average equity | $1,413,916,400 | 115 |
| Average total loans | $6,752,974,600 | 132 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 2,676 |
| Cost of funding earning assets | 0.0641% | 5,653 |
| Net interest margin | 4.1170% | 1,345 |
| Noninterest income to average assets | 1.0904% | 856 |
| Noninterest expense to average assets | 2.7704% | 2,825 |
| Loan and lease loss provision to assets | 0.0735% | 2,602 |
| Net operating income to assets | 1.3595% | 1,184 |
| Return on assets (ROA) | 1.3595% | 1,203 |
| Pretax return on assets | 1.9219% | 650 |
| Return on Equity (ROE) | 10.2703% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.4727% | 1,971 |
| Net charge-offs to loans | 0.0784% | 2,018 |
| Credit loss provision to net charge-offs | 142.1490% | 1,757 |
| Earnings coverage of net charge-offs (x) | 38.6074% | 1,336 |
| Efficiency ratio | 57.0307% | 4,610 |
| Assets per employee ($millions) | 5.5164% | 1,908 |
| Cash dividends to net income (ytd only)* | 36.9767% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,488 |
| Loan loss allowance to noncurrent loans | 167.6640% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 3,151 |
| Noncurrent loans to loans | 0.6551% | 2,742 |
| Net loans and leases to total assets | 65.7427% | 3,138 |
| Net loans and leases to deposits | 77.1783% | 3,255 |
| Net loans and leases to core deposits | 80.4595% | 3,417 |
| Total domestic deposits to total assets | 85.1829% | 2,642 |
| Equity capital to assets | 13.3921% | 1,206 |
| Core capital (leverage) ratio | 9.9353% | 3,643 |
| Tier 1 risk-based capital ratio | 12.0166% | 4,602 |
| Total risk-based capital ratio | 12.9936% | 4,682 |
| Memoranda: | ||
| Average total assets | $9,627,559,250 | 129 |
| Average earning assets | $8,594,749,000 | 133 |
| Average equity | $1,274,448,500 | 126 |
| Average total loans | $6,350,112,500 | 137 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 2,549 |
| Cost of funding earning assets | 0.0648% | 5,691 |
| Net interest margin | 4.1145% | 1,287 |
| Noninterest income to average assets | 0.9250% | 1,199 |
| Noninterest expense to average assets | 2.8156% | 2,696 |
| Loan and lease loss provision to assets | 0.1244% | 1,665 |
| Net operating income to assets | 1.1920% | 1,622 |
| Return on assets (ROA) | 1.1920% | 1,656 |
| Pretax return on assets | 1.6532% | 1,184 |
| Return on Equity (ROE) | 9.0408% | 2,494 |
| Retained earnings to average equity (ytd only) | 5.1880% | 2,588 |
| Net charge-offs to loans | 0.0957% | 1,665 |
| Credit loss provision to net charge-offs | 197.6752% | 1,284 |
| Earnings coverage of net charge-offs (x) | 28.2424% | 1,510 |
| Efficiency ratio | 60.1163% | 4,301 |
| Assets per employee ($millions) | 5.4373% | 1,932 |
| Cash dividends to net income (ytd only)* | 42.6159% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,395 |
| Loan loss allowance to noncurrent loans | 182.6335% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,291 |
| Noncurrent loans to loans | 0.6215% | 2,872 |
| Net loans and leases to total assets | 65.6823% | 3,152 |
| Net loans and leases to deposits | 78.6504% | 3,052 |
| Net loans and leases to core deposits | 82.1965% | 3,235 |
| Total domestic deposits to total assets | 83.5117% | 3,400 |
| Equity capital to assets | 13.2644% | 1,245 |
| Core capital (leverage) ratio | 9.7129% | 3,881 |
| Tier 1 risk-based capital ratio | 11.7836% | 4,770 |
| Total risk-based capital ratio | 12.7930% | 4,824 |
| Memoranda: | ||
| Average total assets | $9,567,338,000 | 128 |
| Average earning assets | $8,529,914,000 | 134 |
| Average equity | $1,261,421,000 | 126 |
| Average total loans | $6,293,547,330 | 136 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 2,250 |
| Cost of funding earning assets | 0.0537% | 5,779 |
| Net interest margin | 4.1544% | 1,086 |
| Noninterest income to average assets | 0.9401% | 1,136 |
| Noninterest expense to average assets | 2.8295% | 2,689 |
| Loan and lease loss provision to assets | 0.1167% | 1,644 |
| Net operating income to assets | 1.2438% | 1,395 |
| Return on assets (ROA) | 1.2438% | 1,431 |
| Pretax return on assets | 1.6970% | 1,010 |
| Return on Equity (ROE) | 9.4625% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.3673% | 2,692 |
| Net charge-offs to loans | 0.1155% | 1,246 |
| Credit loss provision to net charge-offs | 154.4240% | 1,194 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,373 |
| Efficiency ratio | 59.7176% | 4,493 |
| Assets per employee ($millions) | 5.3124% | 2,060 |
| Cash dividends to net income (ytd only)* | 43.2783% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,469 |
| Loan loss allowance to noncurrent loans | 256.0238% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,838 |
| Noncurrent loans to loans | 0.4452% | 3,498 |
| Net loans and leases to total assets | 64.7111% | 3,166 |
| Net loans and leases to deposits | 76.0781% | 3,190 |
| Net loans and leases to core deposits | 78.9290% | 3,395 |
| Total domestic deposits to total assets | 85.0587% | 3,061 |
| Equity capital to assets | 13.2541% | 1,162 |
| Core capital (leverage) ratio | 9.6438% | 3,938 |
| Tier 1 risk-based capital ratio | 11.8563% | 4,806 |
| Total risk-based capital ratio | 12.8650% | 4,863 |
| Memoranda: | ||
| Average total assets | $9,511,797,500 | 126 |
| Average earning assets | $8,478,531,000 | 132 |
| Average equity | $1,250,237,500 | 126 |
| Average total loans | $6,225,325,000 | 138 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 2,740 |
| Cost of funding earning assets | 0.0526% | 5,829 |
| Net interest margin | 4.0761% | 1,441 |
| Noninterest income to average assets | 0.8738% | 1,502 |
| Noninterest expense to average assets | 2.7670% | 3,131 |
| Loan and lease loss provision to assets | 0.1161% | 2,132 |
| Net operating income to assets | 1.1323% | 1,762 |
| Return on assets (ROA) | 1.1412% | 1,820 |
| Pretax return on assets | 1.6312% | 1,187 |
| Return on Equity (ROE) | 8.4870% | 2,680 |
| Retained earnings to average equity (ytd only) | 1.7961% | 4,507 |
| Net charge-offs to loans | 0.1470% | 1,793 |
| Credit loss provision to net charge-offs | 121.0060% | 2,194 |
| Earnings coverage of net charge-offs (x) | 18.0745% | 1,986 |
| Efficiency ratio | 60.0437% | 4,578 |
| Assets per employee ($millions) | 5.3153% | 2,043 |
| Cash dividends to net income (ytd only)* | 78.8375% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,562 |
| Loan loss allowance to noncurrent loans | 215.3844% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 3,653 |
| Noncurrent loans to loans | 0.5229% | 3,283 |
| Net loans and leases to total assets | 64.7028% | 3,257 |
| Net loans and leases to deposits | 76.2237% | 3,299 |
| Net loans and leases to core deposits | 79.2474% | 3,457 |
| Total domestic deposits to total assets | 84.8855% | 3,097 |
| Equity capital to assets | 13.0339% | 1,242 |
| Core capital (leverage) ratio | 9.4275% | 4,186 |
| Tier 1 risk-based capital ratio | 11.5051% | 5,053 |
| Total risk-based capital ratio | 12.4756% | 5,101 |
| Memoranda: | ||
| Average total assets | $9,281,034,000 | 122 |
| Average earning assets | $8,260,215,600 | 128 |
| Average equity | $1,247,950,000 | 118 |
| Average total loans | $6,059,536,000 | 132 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 2,806 |
| Cost of funding earning assets | 0.0543% | 5,895 |
| Net interest margin | 4.0642% | 1,487 |
| Noninterest income to average assets | 0.8792% | 1,476 |
| Noninterest expense to average assets | 2.8001% | 3,011 |
| Loan and lease loss provision to assets | 0.1555% | 1,496 |
| Net operating income to assets | 1.0699% | 2,123 |
| Return on assets (ROA) | 1.0816% | 2,183 |
| Pretax return on assets | 1.5582% | 1,507 |
| Return on Equity (ROE) | 7.9812% | 3,014 |
| Retained earnings to average equity (ytd only) | 1.1561% | 5,046 |
| Net charge-offs to loans | 0.1920% | 1,223 |
| Credit loss provision to net charge-offs | 124.1347% | 2,043 |
| Earnings coverage of net charge-offs (x) | 13.5438% | 2,304 |
| Efficiency ratio | 60.8138% | 4,423 |
| Assets per employee ($millions) | 5.4271% | 1,929 |
| Cash dividends to net income (ytd only)* | 85.5146% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,723 |
| Loan loss allowance to noncurrent loans | 259.1047% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 3,910 |
| Noncurrent loans to loans | 0.4330% | 3,731 |
| Net loans and leases to total assets | 64.6510% | 3,318 |
| Net loans and leases to deposits | 76.7650% | 3,313 |
| Net loans and leases to core deposits | 79.1814% | 3,531 |
| Total domestic deposits to total assets | 84.2194% | 3,136 |
| Equity capital to assets | 13.1814% | 1,396 |
| Core capital (leverage) ratio | 9.3782% | 4,359 |
| Tier 1 risk-based capital ratio | 11.2641% | 5,222 |
| Total risk-based capital ratio | 12.2350% | 5,290 |
| Memoranda: | ||
| Average total assets | $9,225,342,250 | 124 |
| Average earning assets | $8,211,366,750 | 129 |
| Average equity | $1,250,259,500 | 116 |
| Average total loans | $6,019,602,750 | 131 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 2,869 |
| Cost of funding earning assets | 0.0534% | 5,979 |
| Net interest margin | 4.0446% | 1,514 |
| Noninterest income to average assets | 0.8839% | 1,424 |
| Noninterest expense to average assets | 2.8081% | 3,001 |
| Loan and lease loss provision to assets | 0.1953% | 1,109 |
| Net operating income to assets | 1.0249% | 2,275 |
| Return on assets (ROA) | 1.0340% | 2,367 |
| Pretax return on assets | 1.4886% | 1,707 |
| Return on Equity (ROE) | 7.5570% | 3,230 |
| Retained earnings to average equity (ytd only) | 0.9766% | 4,998 |
| Net charge-offs to loans | 0.2614% | 922 |
| Credit loss provision to net charge-offs | 114.5839% | 1,920 |
| Earnings coverage of net charge-offs (x) | 9.8013% | 2,380 |
| Efficiency ratio | 61.1944% | 4,480 |
| Assets per employee ($millions) | 5.2282% | 2,060 |
| Cash dividends to net income (ytd only)* | 87.0766% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,763 |
| Loan loss allowance to noncurrent loans | 230.9133% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 3,772 |
| Noncurrent loans to loans | 0.4908% | 3,611 |
| Net loans and leases to total assets | 64.6719% | 3,271 |
| Net loans and leases to deposits | 78.6898% | 3,088 |
| Net loans and leases to core deposits | 81.0548% | 3,362 |
| Total domestic deposits to total assets | 82.1859% | 3,941 |
| Equity capital to assets | 13.5022% | 1,237 |
| Core capital (leverage) ratio | 9.5856% | 4,085 |
| Tier 1 risk-based capital ratio | 11.5121% | 5,144 |
| Total risk-based capital ratio | 12.4962% | 5,203 |
| Memoranda: | ||
| Average total assets | $9,107,490,330 | 125 |
| Average earning assets | $8,094,734,330 | 129 |
| Average equity | $1,246,135,330 | 115 |
| Average total loans | $5,938,430,670 | 133 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 2,849 |
| Cost of funding earning assets | 0.0502% | 6,052 |
| Net interest margin | 4.0485% | 1,482 |
| Noninterest income to average assets | 0.8722% | 1,380 |
| Noninterest expense to average assets | 2.8718% | 2,801 |
| Loan and lease loss provision to assets | 0.2338% | 780 |
| Net operating income to assets | 0.9467% | 2,525 |
| Return on assets (ROA) | 0.9583% | 2,587 |
| Pretax return on assets | 1.3756% | 1,978 |
| Return on Equity (ROE) | 6.9561% | 3,479 |
| Retained earnings to average equity (ytd only) | 0.1716% | 5,070 |
| Net charge-offs to loans | 0.2846% | 742 |
| Credit loss provision to net charge-offs | 126.2374% | 1,384 |
| Earnings coverage of net charge-offs (x) | 8.5988% | 2,039 |
| Efficiency ratio | 62.7459% | 4,338 |
| Assets per employee ($millions) | 4.9583% | 2,387 |
| Cash dividends to net income (ytd only)* | 97.5338% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,619 |
| Loan loss allowance to noncurrent loans | 149.6953% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 3,110 |
| Noncurrent loans to loans | 0.7868% | 2,871 |
| Net loans and leases to total assets | 64.3668% | 3,197 |
| Net loans and leases to deposits | 76.4118% | 3,171 |
| Net loans and leases to core deposits | 78.5864% | 3,437 |
| Total domestic deposits to total assets | 84.2367% | 3,432 |
| Equity capital to assets | 13.8238% | 1,046 |
| Core capital (leverage) ratio | 9.8142% | 3,756 |
| Tier 1 risk-based capital ratio | 11.7706% | 5,065 |
| Total risk-based capital ratio | 12.7861% | 5,118 |
| Memoranda: | ||
| Average total assets | $8,987,266,500 | 125 |
| Average earning assets | $7,974,874,500 | 130 |
| Average equity | $1,238,114,000 | 116 |
| Average total loans | $5,850,250,000 | 134 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 1,987 |
| Cost of funding earning assets | 0.0524% | 6,101 |
| Net interest margin | 4.3220% | 923 |
| Noninterest income to average assets | 1.0461% | 1,082 |
| Noninterest expense to average assets | 3.1084% | 2,210 |
| Loan and lease loss provision to assets | 0.0991% | 2,328 |
| Net operating income to assets | 1.1395% | 1,775 |
| Return on assets (ROA) | 1.1522% | 1,796 |
| Pretax return on assets | 1.6523% | 1,102 |
| Return on Equity (ROE) | 8.1410% | 2,882 |
| Retained earnings to average equity (ytd only) | 2.6779% | 4,166 |
| Net charge-offs to loans | 0.1778% | 1,615 |
| Credit loss provision to net charge-offs | 86.0132% | 2,833 |
| Earnings coverage of net charge-offs (x) | 15.0363% | 2,238 |
| Efficiency ratio | 62.5615% | 4,525 |
| Assets per employee ($millions) | 4.8406% | 2,543 |
| Cash dividends to net income (ytd only)* | 67.1060% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 3,636 |
| Loan loss allowance to noncurrent loans | 203.5228% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 3,527 |
| Noncurrent loans to loans | 0.5756% | 3,446 |
| Net loans and leases to total assets | 64.2934% | 3,232 |
| Net loans and leases to deposits | 77.2105% | 3,138 |
| Net loans and leases to core deposits | 79.3207% | 3,414 |
| Total domestic deposits to total assets | 83.2703% | 3,747 |
| Equity capital to assets | 13.7284% | 1,031 |
| Core capital (leverage) ratio | 9.8894% | 3,659 |
| Tier 1 risk-based capital ratio | 11.7573% | 5,100 |
| Total risk-based capital ratio | 12.7536% | 5,155 |
| Memoranda: | ||
| Average total assets | $8,665,120,800 | 123 |
| Average earning assets | $7,609,468,200 | 126 |
| Average equity | $1,226,410,400 | 114 |
| Average total loans | $5,617,947,200 | 131 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 1,884 |
| Cost of funding earning assets | 0.0538% | 6,188 |
| Net interest margin | 4.3599% | 860 |
| Noninterest income to average assets | 1.0229% | 1,132 |
| Noninterest expense to average assets | 3.1306% | 2,137 |
| Loan and lease loss provision to assets | 0.0968% | 2,235 |
| Net operating income to assets | 1.1167% | 1,937 |
| Return on assets (ROA) | 1.1306% | 1,966 |
| Pretax return on assets | 1.6367% | 1,275 |
| Return on Equity (ROE) | 7.9265% | 3,112 |
| Retained earnings to average equity (ytd only) | 2.8152% | 4,430 |
| Net charge-offs to loans | 0.1619% | 1,530 |
| Credit loss provision to net charge-offs | 92.3100% | 2,437 |
| Earnings coverage of net charge-offs (x) | 16.3344% | 2,122 |
| Efficiency ratio | 62.9537% | 4,409 |
| Assets per employee ($millions) | 4.6916% | 2,721 |
| Cash dividends to net income (ytd only)* | 64.4843% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,659 |
| Loan loss allowance to noncurrent loans | 199.2526% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 3,417 |
| Noncurrent loans to loans | 0.6023% | 3,512 |
| Net loans and leases to total assets | 64.9620% | 3,162 |
| Net loans and leases to deposits | 77.5862% | 3,141 |
| Net loans and leases to core deposits | 79.8637% | 3,439 |
| Total domestic deposits to total assets | 83.7288% | 3,528 |
| Equity capital to assets | 14.1743% | 950 |
| Core capital (leverage) ratio | 10.0581% | 3,548 |
| Tier 1 risk-based capital ratio | 11.9862% | 5,097 |
| Total risk-based capital ratio | 13.0243% | 5,142 |
| Memoranda: | ||
| Average total assets | $8,595,027,750 | 126 |
| Average earning assets | $7,532,976,750 | 127 |
| Average equity | $1,225,995,500 | 117 |
| Average total loans | $5,567,550,000 | 132 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 1,709 |
| Cost of funding earning assets | 0.0555% | 6,259 |
| Net interest margin | 4.3853% | 781 |
| Noninterest income to average assets | 1.0234% | 1,133 |
| Noninterest expense to average assets | 3.2137% | 1,942 |
| Loan and lease loss provision to assets | 0.0799% | 2,514 |
| Net operating income to assets | 1.0794% | 2,014 |
| Return on assets (ROA) | 1.0966% | 2,060 |
| Pretax return on assets | 1.5874% | 1,368 |
| Return on Equity (ROE) | 7.6712% | 3,223 |
| Retained earnings to average equity (ytd only) | 3.1676% | 4,042 |
| Net charge-offs to loans | 0.1353% | 1,687 |
| Credit loss provision to net charge-offs | 91.6219% | 2,176 |
| Earnings coverage of net charge-offs (x) | 18.8394% | 1,787 |
| Efficiency ratio | 64.4745% | 4,278 |
| Assets per employee ($millions) | 4.4847% | 3,012 |
| Cash dividends to net income (ytd only)* | 58.7080% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 3,603 |
| Loan loss allowance to noncurrent loans | 154.4984% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 3,084 |
| Noncurrent loans to loans | 0.7982% | 3,118 |
| Net loans and leases to total assets | 65.1651% | 3,096 |
| Net loans and leases to deposits | 78.6548% | 2,946 |
| Net loans and leases to core deposits | 80.6998% | 3,306 |
| Total domestic deposits to total assets | 82.8495% | 4,006 |
| Equity capital to assets | 14.3756% | 855 |
| Core capital (leverage) ratio | 10.1630% | 3,384 |
| Tier 1 risk-based capital ratio | 12.1765% | 5,017 |
| Total risk-based capital ratio | 13.2434% | 5,053 |
| Memoranda: | ||
| Average total assets | $8,543,410,330 | 130 |
| Average earning assets | $7,466,680,670 | 129 |
| Average equity | $1,221,249,670 | 118 |
| Average total loans | $5,505,684,000 | 135 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 1,701 |
| Cost of funding earning assets | 0.0562% | 6,333 |
| Net interest margin | 4.3624% | 788 |
| Noninterest income to average assets | 1.0265% | 1,066 |
| Noninterest expense to average assets | 3.1450% | 2,147 |
| Loan and lease loss provision to assets | 0.0565% | 2,802 |
| Net operating income to assets | 1.1287% | 1,759 |
| Return on assets (ROA) | 1.1519% | 1,800 |
| Pretax return on assets | 1.6651% | 1,128 |
| Return on Equity (ROE) | 8.0813% | 2,918 |
| Retained earnings to average equity (ytd only) | 5.6224% | 2,706 |
| Net charge-offs to loans | 0.0399% | 2,424 |
| Credit loss provision to net charge-offs | 222.2426% | 979 |
| Earnings coverage of net charge-offs (x) | 66.3934% | 671 |
| Efficiency ratio | 63.3170% | 4,584 |
| Assets per employee ($millions) | 4.4732% | 3,093 |
| Cash dividends to net income (ytd only)* | 30.4272% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 3,470 |
| Loan loss allowance to noncurrent loans | 119.9740% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 2,710 |
| Noncurrent loans to loans | 1.0733% | 2,614 |
| Net loans and leases to total assets | 63.0187% | 3,232 |
| Net loans and leases to deposits | 76.0110% | 3,055 |
| Net loans and leases to core deposits | 77.8898% | 3,392 |
| Total domestic deposits to total assets | 82.9074% | 4,200 |
| Equity capital to assets | 14.4310% | 850 |
| Core capital (leverage) ratio | 9.7601% | 3,938 |
| Tier 1 risk-based capital ratio | 12.3730% | 4,994 |
| Total risk-based capital ratio | 13.4684% | 5,009 |
| Memoranda: | ||
| Average total assets | $8,559,110,000 | 126 |
| Average earning assets | $7,468,317,500 | 128 |
| Average equity | $1,220,049,500 | 117 |
| Average total loans | $5,450,467,500 | 135 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 1,135 |
| Cost of funding earning assets | 0.0606% | 6,420 |
| Net interest margin | 4.7285% | 499 |
| Noninterest income to average assets | 1.0474% | 1,116 |
| Noninterest expense to average assets | 3.4582% | 1,582 |
| Loan and lease loss provision to assets | 0.0892% | 2,687 |
| Net operating income to assets | 1.0893% | 2,016 |
| Return on assets (ROA) | 1.0943% | 2,051 |
| Pretax return on assets | 1.5812% | 1,292 |
| Return on Equity (ROE) | 7.7335% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.2162% | 1,799 |
| Net charge-offs to loans | 0.1996% | 2,071 |
| Credit loss provision to net charge-offs | 69.9854% | 3,079 |
| Earnings coverage of net charge-offs (x) | 13.0542% | 2,313 |
| Efficiency ratio | 65.8978% | 4,268 |
| Assets per employee ($millions) | 4.4803% | 3,070 |
| Cash dividends to net income (ytd only)* | 19.6204% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 3,559 |
| Loan loss allowance to noncurrent loans | 119.1903% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 2,867 |
| Noncurrent loans to loans | 1.0717% | 2,676 |
| Net loans and leases to total assets | 62.6699% | 3,414 |
| Net loans and leases to deposits | 77.3501% | 3,043 |
| Net loans and leases to core deposits | 79.2537% | 3,382 |
| Total domestic deposits to total assets | 81.0210% | 4,743 |
| Equity capital to assets | 14.0697% | 931 |
| Core capital (leverage) ratio | 9.7945% | 3,838 |
| Tier 1 risk-based capital ratio | 12.5094% | 5,032 |
| Total risk-based capital ratio | 13.6552% | 5,010 |
| Memoranda: | ||
| Average total assets | $7,545,002,000 | 136 |
| Average earning assets | $6,500,379,600 | 139 |
| Average equity | $1,067,652,000 | 126 |
| Average total loans | $4,816,236,800 | 146 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 899 |
| Cost of funding earning assets | 0.0615% | 6,501 |
| Net interest margin | 4.8551% | 373 |
| Noninterest income to average assets | 1.0784% | 1,050 |
| Noninterest expense to average assets | 3.5032% | 1,451 |
| Loan and lease loss provision to assets | 0.0918% | 2,518 |
| Net operating income to assets | 1.1520% | 1,859 |
| Return on assets (ROA) | 1.1591% | 1,892 |
| Pretax return on assets | 1.6611% | 1,160 |
| Return on Equity (ROE) | 8.1775% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.1775% | 1,278 |
| Net charge-offs to loans | 0.2748% | 1,429 |
| Credit loss provision to net charge-offs | 52.2704% | 3,068 |
| Earnings coverage of net charge-offs (x) | 9.9194% | 2,604 |
| Efficiency ratio | 65.2026% | 4,333 |
| Assets per employee ($millions) | 4.4311% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 3,136 |
| Loan loss allowance to noncurrent loans | 124.0310% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 2,907 |
| Noncurrent loans to loans | 1.1344% | 2,790 |
| Net loans and leases to total assets | 63.7373% | 3,224 |
| Net loans and leases to deposits | 75.8379% | 3,198 |
| Net loans and leases to core deposits | 77.5965% | 3,572 |
| Total domestic deposits to total assets | 84.0441% | 3,740 |
| Equity capital to assets | 14.3110% | 907 |
| Core capital (leverage) ratio | 10.0789% | 3,560 |
| Tier 1 risk-based capital ratio | 12.6075% | 5,106 |
| Total risk-based capital ratio | 13.8576% | 5,029 |
| Memoranda: | ||
| Average total assets | $7,286,312,250 | 140 |
| Average earning assets | $6,254,741,750 | 141 |
| Average equity | $1,032,779,000 | 131 |
| Average total loans | $4,658,672,250 | 147 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 855 |
| Cost of funding earning assets | 0.0635% | 6,562 |
| Net interest margin | 4.8689% | 366 |
| Noninterest income to average assets | 1.0534% | 1,072 |
| Noninterest expense to average assets | 3.4837% | 1,510 |
| Loan and lease loss provision to assets | 0.1118% | 2,161 |
| Net operating income to assets | 1.1389% | 1,788 |
| Return on assets (ROA) | 1.1490% | 1,840 |
| Pretax return on assets | 1.6387% | 1,165 |
| Return on Equity (ROE) | 8.1332% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.1332% | 1,279 |
| Net charge-offs to loans | 0.3127% | 1,290 |
| Credit loss provision to net charge-offs | 56.1128% | 2,700 |
| Earnings coverage of net charge-offs (x) | 8.7162% | 2,454 |
| Efficiency ratio | 65.1185% | 4,506 |
| Assets per employee ($millions) | 4.3332% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 3,031 |
| Loan loss allowance to noncurrent loans | 109.7395% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2533% | 2,602 |
| Noncurrent loans to loans | 1.3391% | 2,571 |
| Net loans and leases to total assets | 63.7067% | 3,119 |
| Net loans and leases to deposits | 77.1001% | 2,913 |
| Net loans and leases to core deposits | 78.7929% | 3,343 |
| Total domestic deposits to total assets | 82.6286% | 4,438 |
| Equity capital to assets | 14.3994% | 846 |
| Core capital (leverage) ratio | 9.9107% | 3,730 |
| Tier 1 risk-based capital ratio | 12.4990% | 5,228 |
| Total risk-based capital ratio | 13.7498% | 5,153 |
| Memoranda: | ||
| Average total assets | $7,227,737,670 | 140 |
| Average earning assets | $6,184,914,670 | 141 |
| Average equity | $1,021,074,670 | 132 |
| Average total loans | $4,603,573,000 | 148 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 827 |
| Cost of funding earning assets | 0.0647% | 6,640 |
| Net interest margin | 4.8614% | 343 |
| Noninterest income to average assets | 1.0549% | 1,006 |
| Noninterest expense to average assets | 3.5007% | 1,488 |
| Loan and lease loss provision to assets | 0.1068% | 2,141 |
| Net operating income to assets | 1.1085% | 1,783 |
| Return on assets (ROA) | 1.1171% | 1,808 |
| Pretax return on assets | 1.6140% | 1,143 |
| Return on Equity (ROE) | 7.9853% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.9853% | 1,598 |
| Net charge-offs to loans | 0.3347% | 1,071 |
| Credit loss provision to net charge-offs | 50.5125% | 2,197 |
| Earnings coverage of net charge-offs (x) | 8.0767% | 2,061 |
| Efficiency ratio | 65.5166% | 4,606 |
| Assets per employee ($millions) | 4.4452% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,962 |
| Loan loss allowance to noncurrent loans | 99.3007% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 2,524 |
| Noncurrent loans to loans | 1.5526% | 2,485 |
| Net loans and leases to total assets | 62.3148% | 3,188 |
| Net loans and leases to deposits | 73.9266% | 3,069 |
| Net loans and leases to core deposits | 75.7759% | 3,426 |
| Total domestic deposits to total assets | 84.2928% | 4,167 |
| Equity capital to assets | 14.1047% | 887 |
| Core capital (leverage) ratio | 9.6966% | 4,000 |
| Tier 1 risk-based capital ratio | 12.5477% | 5,284 |
| Total risk-based capital ratio | 13.7995% | 5,223 |
| Memoranda: | ||
| Average total assets | $7,195,187,000 | 140 |
| Average earning assets | $6,148,621,000 | 143 |
| Average equity | $1,006,549,500 | 132 |
| Average total loans | $4,547,697,000 | 150 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6231% | 303 |
| Cost of funding earning assets | 0.1057% | 6,660 |
| Net interest margin | 5.5175% | 131 |
| Noninterest income to average assets | 1.2253% | 932 |
| Noninterest expense to average assets | 4.4860% | 535 |
| Loan and lease loss provision to assets | -0.0016% | 6,247 |
| Net operating income to assets | 1.0135% | 2,272 |
| Return on assets (ROA) | 1.0186% | 2,311 |
| Pretax return on assets | 1.4767% | 1,526 |
| Return on Equity (ROE) | 7.4392% | 3,334 |
| Retained earnings to average equity (ytd only) | -13.9840% | 6,599 |
| Net charge-offs to loans | 0.2492% | 2,474 |
| Credit loss provision to net charge-offs | -1.0364% | 5,660 |
| Earnings coverage of net charge-offs (x) | 9.3962% | 2,511 |
| Efficiency ratio | 73.7209% | 3,177 |
| Assets per employee ($millions) | 4.2786% | 3,304 |
| Cash dividends to net income (ytd only)* | 287.9758% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 2,747 |
| Loan loss allowance to noncurrent loans | 97.4512% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 2,417 |
| Noncurrent loans to loans | 1.6456% | 2,439 |
| Net loans and leases to total assets | 62.1057% | 3,342 |
| Net loans and leases to deposits | 73.8850% | 3,277 |
| Net loans and leases to core deposits | 75.4825% | 3,665 |
| Total domestic deposits to total assets | 84.0573% | 4,146 |
| Equity capital to assets | 13.8725% | 941 |
| Core capital (leverage) ratio | 9.2886% | 4,577 |
| Tier 1 risk-based capital ratio | 12.2683% | 5,451 |
| Total risk-based capital ratio | 13.5207% | 5,378 |
| Memoranda: | ||
| Average total assets | $6,238,801,000 | 154 |
| Average earning assets | $5,346,615,600 | 158 |
| Average equity | $854,214,800 | 142 |
| Average total loans | $3,909,986,600 | 164 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7304% | 265 |
| Cost of funding earning assets | 0.1175% | 6,727 |
| Net interest margin | 5.6129% | 116 |
| Noninterest income to average assets | 1.2454% | 946 |
| Noninterest expense to average assets | 4.5866% | 477 |
| Loan and lease loss provision to assets | 0.0795% | 3,471 |
| Net operating income to assets | 0.9441% | 2,620 |
| Return on assets (ROA) | 0.9511% | 2,692 |
| Pretax return on assets | 1.4044% | 1,917 |
| Return on Equity (ROE) | 6.9738% | 3,662 |
| Retained earnings to average equity (ytd only) | -22.7990% | 6,773 |
| Net charge-offs to loans | 0.2590% | 2,261 |
| Credit loss provision to net charge-offs | 49.0548% | 3,530 |
| Earnings coverage of net charge-offs (x) | 9.0975% | 2,525 |
| Efficiency ratio | 74.0774% | 3,056 |
| Assets per employee ($millions) | 4.1434% | 3,551 |
| Cash dividends to net income (ytd only)* | 426.9218% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 2,494 |
| Loan loss allowance to noncurrent loans | 91.9700% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 2,411 |
| Noncurrent loans to loans | 1.8905% | 2,381 |
| Net loans and leases to total assets | 62.1327% | 3,335 |
| Net loans and leases to deposits | 73.8610% | 3,249 |
| Net loans and leases to core deposits | 75.6760% | 3,652 |
| Total domestic deposits to total assets | 84.1212% | 4,137 |
| Equity capital to assets | 13.7274% | 1,044 |
| Core capital (leverage) ratio | 8.8702% | 5,293 |
| Tier 1 risk-based capital ratio | 11.9219% | 5,824 |
| Total risk-based capital ratio | 13.1760% | 5,766 |
| Memoranda: | ||
| Average total assets | $6,008,982,000 | 157 |
| Average earning assets | $5,154,489,750 | 160 |
| Average equity | $819,518,000 | 143 |
| Average total loans | $3,757,975,750 | 165 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 270 |
| Cost of funding earning assets | 0.1377% | 6,742 |
| Net interest margin | 5.5783% | 122 |
| Noninterest income to average assets | 1.2761% | 946 |
| Noninterest expense to average assets | 4.5594% | 497 |
| Loan and lease loss provision to assets | 0.0096% | 4,674 |
| Net operating income to assets | 1.0382% | 2,164 |
| Return on assets (ROA) | 1.0493% | 2,238 |
| Pretax return on assets | 1.5334% | 1,529 |
| Return on Equity (ROE) | 7.7154% | 3,231 |
| Retained earnings to average equity (ytd only) | -40.0879% | 6,884 |
| Net charge-offs to loans | 0.2703% | 2,125 |
| Credit loss provision to net charge-offs | 5.6811% | 3,946 |
| Earnings coverage of net charge-offs (x) | 9.0748% | 2,331 |
| Efficiency ratio | 73.3277% | 3,255 |
| Assets per employee ($millions) | 4.1646% | 3,440 |
| Cash dividends to net income (ytd only)* | 619.5829% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 2,737 |
| Loan loss allowance to noncurrent loans | 78.4633% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.9276% | 2,253 |
| Noncurrent loans to loans | 2.1812% | 2,200 |
| Net loans and leases to total assets | 63.1761% | 3,068 |
| Net loans and leases to deposits | 76.5431% | 2,795 |
| Net loans and leases to core deposits | 78.3001% | 3,252 |
| Total domestic deposits to total assets | 82.5367% | 4,872 |
| Equity capital to assets | 13.2401% | 1,241 |
| Core capital (leverage) ratio | 8.6061% | 5,551 |
| Tier 1 risk-based capital ratio | 11.0359% | 6,316 |
| Total risk-based capital ratio | 12.2896% | 6,295 |
| Memoranda: | ||
| Average total assets | $5,629,502,000 | 165 |
| Average earning assets | $4,853,967,670 | 163 |
| Average equity | $765,638,330 | 148 |
| Average total loans | $3,504,144,330 | 169 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1629% | 662 |
| Cost of funding earning assets | 0.1221% | 6,855 |
| Net interest margin | 5.0408% | 280 |
| Noninterest income to average assets | 1.1762% | 1,087 |
| Noninterest expense to average assets | 4.1620% | 745 |
| Loan and lease loss provision to assets | -0.0015% | 6,714 |
| Net operating income to assets | 1.0033% | 2,211 |
| Return on assets (ROA) | 1.0247% | 2,243 |
| Pretax return on assets | 1.4401% | 1,737 |
| Return on Equity (ROE) | 7.3931% | 3,272 |
| Retained earnings to average equity (ytd only) | 5.6285% | 2,878 |
| Net charge-offs to loans | 0.2244% | 2,094 |
| Credit loss provision to net charge-offs | -1.1357% | 4,939 |
| Earnings coverage of net charge-offs (x) | 10.3258% | 1,758 |
| Efficiency ratio | 73.2108% | 3,413 |
| Assets per employee ($millions) | 4.2331% | 3,475 |
| Cash dividends to net income (ytd only)* | 23.8682% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6737% | 941 |
| Loan loss allowance to noncurrent loans | 82.3152% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.5204% | 1,822 |
| Noncurrent loans to loans | 3.2482% | 1,504 |
| Net loans and leases to total assets | 59.8063% | 3,463 |
| Net loans and leases to deposits | 70.9556% | 3,332 |
| Net loans and leases to core deposits | 73.1770% | 3,686 |
| Total domestic deposits to total assets | 84.2870% | 4,361 |
| Equity capital to assets | 13.9236% | 1,055 |
| Core capital (leverage) ratio | 11.4358% | 1,916 |
| Tier 1 risk-based capital ratio | 16.3755% | 3,076 |
| Total risk-based capital ratio | 17.6412% | 3,014 |
| Memoranda: | ||
| Average total assets | $4,906,419,000 | 181 |
| Average earning assets | $4,277,018,000 | 179 |
| Average equity | $680,043,000 | 162 |
| Average total loans | $2,982,234,000 | 184 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0238% | 257 |
| Cost of funding earning assets | 0.2338% | 6,738 |
| Net interest margin | 5.7900% | 107 |
| Noninterest income to average assets | 1.1916% | 1,102 |
| Noninterest expense to average assets | 4.0901% | 868 |
| Loan and lease loss provision to assets | 0.8129% | 593 |
| Net operating income to assets | 0.9136% | 2,751 |
| Return on assets (ROA) | 0.9691% | 2,701 |
| Pretax return on assets | 1.3407% | 2,250 |
| Return on Equity (ROE) | 6.8974% | 3,701 |
| Retained earnings to average equity (ytd only) | -0.2969% | 5,904 |
| Net charge-offs to loans | 0.5153% | 2,182 |
| Credit loss provision to net charge-offs | 261.5400% | 919 |
| Earnings coverage of net charge-offs (x) | 6.6809% | 2,767 |
| Efficiency ratio | 64.8386% | 4,732 |
| Assets per employee ($millions) | 4.0957% | 3,745 |
| Cash dividends to net income (ytd only)* | 104.3043% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7901% | 827 |
| Loan loss allowance to noncurrent loans | 75.1276% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.7826% | 1,726 |
| Noncurrent loans to loans | 3.7139% | 1,306 |
| Net loans and leases to total assets | 58.4380% | 3,890 |
| Net loans and leases to deposits | 69.4294% | 3,777 |
| Net loans and leases to core deposits | 71.3290% | 4,129 |
| Total domestic deposits to total assets | 84.1690% | 4,243 |
| Equity capital to assets | 13.7970% | 1,120 |
| Core capital (leverage) ratio | 11.0651% | 2,201 |
| Tier 1 risk-based capital ratio | 16.6023% | 2,840 |
| Total risk-based capital ratio | 17.8698% | 2,807 |
| Memoranda: | ||
| Average total assets | $4,842,863,600 | 177 |
| Average earning assets | $4,161,177,200 | 180 |
| Average equity | $680,397,400 | 158 |
| Average total loans | $2,921,155,000 | 185 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2117% | 205 |
| Cost of funding earning assets | 0.2382% | 6,853 |
| Net interest margin | 5.9736% | 92 |
| Noninterest income to average assets | 1.1720% | 1,104 |
| Noninterest expense to average assets | 4.0778% | 856 |
| Loan and lease loss provision to assets | 0.9531% | 446 |
| Net operating income to assets | 0.9183% | 2,893 |
| Return on assets (ROA) | 0.9196% | 3,111 |
| Pretax return on assets | 1.2634% | 2,737 |
| Return on Equity (ROE) | 6.5155% | 4,055 |
| Retained earnings to average equity (ytd only) | -1.3522% | 6,314 |
| Net charge-offs to loans | 0.5402% | 1,985 |
| Credit loss provision to net charge-offs | 292.2751% | 929 |
| Earnings coverage of net charge-offs (x) | 6.7917% | 2,710 |
| Efficiency ratio | 63.3272% | 4,919 |
| Assets per employee ($millions) | 4.0144% | 3,838 |
| Cash dividends to net income (ytd only)* | 120.7534% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7454% | 941 |
| Loan loss allowance to noncurrent loans | 62.2013% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.2025% | 1,605 |
| Noncurrent loans to loans | 4.4138% | 1,082 |
| Net loans and leases to total assets | 58.2644% | 4,091 |
| Net loans and leases to deposits | 71.0858% | 3,734 |
| Net loans and leases to core deposits | 73.2171% | 4,086 |
| Total domestic deposits to total assets | 81.9636% | 5,041 |
| Equity capital to assets | 13.8702% | 1,209 |
| Core capital (leverage) ratio | 11.1885% | 2,218 |
| Tier 1 risk-based capital ratio | 16.8282% | 2,828 |
| Total risk-based capital ratio | 18.0958% | 2,769 |
| Memoranda: | ||
| Average total assets | $4,826,909,750 | 180 |
| Average earning assets | $4,137,723,750 | 183 |
| Average equity | $681,253,500 | 160 |
| Average total loans | $2,914,027,250 | 188 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4821% | 151 |
| Cost of funding earning assets | 0.2515% | 6,907 |
| Net interest margin | 6.2305% | 77 |
| Noninterest income to average assets | 1.2030% | 991 |
| Noninterest expense to average assets | 3.8302% | 1,167 |
| Loan and lease loss provision to assets | 1.4841% | 245 |
| Net operating income to assets | 0.8837% | 2,986 |
| Return on assets (ROA) | 0.8856% | 3,237 |
| Pretax return on assets | 1.2077% | 2,887 |
| Return on Equity (ROE) | 6.2380% | 4,188 |
| Retained earnings to average equity (ytd only) | -2.1842% | 6,381 |
| Net charge-offs to loans | 0.6626% | 1,662 |
| Credit loss provision to net charge-offs | 370.0322% | 801 |
| Earnings coverage of net charge-offs (x) | 6.7050% | 2,592 |
| Efficiency ratio | 57.3012% | 5,953 |
| Assets per employee ($millions) | 3.9247% | 4,028 |
| Cash dividends to net income (ytd only)* | 135.0143% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8625% | 894 |
| Loan loss allowance to noncurrent loans | 58.3956% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 3.6868% | 1,418 |
| Noncurrent loans to loans | 4.9019% | 1,019 |
| Net loans and leases to total assets | 59.4218% | 3,926 |
| Net loans and leases to deposits | 72.8426% | 3,479 |
| Net loans and leases to core deposits | 75.0449% | 3,878 |
| Total domestic deposits to total assets | 81.5757% | 5,274 |
| Equity capital to assets | 14.1210% | 1,043 |
| Core capital (leverage) ratio | 11.2513% | 2,085 |
| Tier 1 risk-based capital ratio | 16.8229% | 2,751 |
| Total risk-based capital ratio | 18.0918% | 2,699 |
| Memoranda: | ||
| Average total assets | $4,800,689,670 | 179 |
| Average earning assets | $4,096,288,330 | 184 |
| Average equity | $681,533,330 | 159 |
| Average total loans | $2,905,740,330 | 185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8627% | 101 |
| Cost of funding earning assets | 0.2640% | 6,968 |
| Net interest margin | 6.5988% | 63 |
| Noninterest income to average assets | 1.1578% | 1,059 |
| Noninterest expense to average assets | 4.0687% | 866 |
| Loan and lease loss provision to assets | 1.6810% | 194 |
| Net operating income to assets | 0.7525% | 3,611 |
| Return on assets (ROA) | 0.7564% | 3,832 |
| Pretax return on assets | 1.0280% | 3,581 |
| Return on Equity (ROE) | 5.3136% | 4,640 |
| Retained earnings to average equity (ytd only) | 0.6330% | 5,806 |
| Net charge-offs to loans | 0.7448% | 1,371 |
| Credit loss provision to net charge-offs | 374.9071% | 834 |
| Earnings coverage of net charge-offs (x) | 6.0303% | 2,263 |
| Efficiency ratio | 58.6636% | 5,823 |
| Assets per employee ($millions) | 3.9276% | 4,152 |
| Cash dividends to net income (ytd only)* | 88.0863% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5133% | 1,336 |
| Loan loss allowance to noncurrent loans | 43.8742% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 4.2969% | 1,267 |
| Noncurrent loans to loans | 5.7285% | 908 |
| Net loans and leases to total assets | 58.5834% | 3,945 |
| Net loans and leases to deposits | 71.7333% | 3,466 |
| Net loans and leases to core deposits | 73.9548% | 3,907 |
| Total domestic deposits to total assets | 81.6683% | 5,403 |
| Equity capital to assets | 14.1807% | 955 |
| Core capital (leverage) ratio | 11.4517% | 1,927 |
| Tier 1 risk-based capital ratio | 17.4993% | 2,475 |
| Total risk-based capital ratio | 18.7645% | 2,438 |
| Memoranda: | ||
| Average total assets | $4,803,053,000 | 177 |
| Average earning assets | $4,086,883,000 | 182 |
| Average equity | $683,682,000 | 157 |
| Average total loans | $2,891,696,000 | 183 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6694% | 148 |
| Cost of funding earning assets | 0.3863% | 6,927 |
| Net interest margin | 6.2831% | 73 |
| Noninterest income to average assets | 1.1702% | 960 |
| Noninterest expense to average assets | 4.7932% | 461 |
| Loan and lease loss provision to assets | 0.1279% | 5,015 |
| Net operating income to assets | 1.1391% | 1,699 |
| Return on assets (ROA) | 1.0934% | 1,974 |
| Pretax return on assets | 1.4894% | 1,509 |
| Return on Equity (ROE) | 7.8025% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.8025% | 1,152 |
| Net charge-offs to loans | 0.5634% | 2,767 |
| Credit loss provision to net charge-offs | 38.8255% | 5,648 |
| Earnings coverage of net charge-offs (x) | 5.1004% | 2,898 |
| Efficiency ratio | 72.5650% | 3,471 |
| Assets per employee ($millions) | 3.8113% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 2,246 |
| Loan loss allowance to noncurrent loans | 35.1173% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 4.5151% | 1,216 |
| Noncurrent loans to loans | 5.7186% | 904 |
| Net loans and leases to total assets | 59.1065% | 4,176 |
| Net loans and leases to deposits | 72.6827% | 3,710 |
| Net loans and leases to core deposits | 75.4049% | 4,055 |
| Total domestic deposits to total assets | 81.3213% | 5,357 |
| Equity capital to assets | 14.2883% | 973 |
| Core capital (leverage) ratio | 11.4504% | 1,931 |
| Tier 1 risk-based capital ratio | 17.2916% | 2,472 |
| Total risk-based capital ratio | 18.5505% | 2,442 |
| Memoranda: | ||
| Average total assets | $4,498,179,200 | 180 |
| Average earning assets | $3,796,386,400 | 187 |
| Average equity | $630,325,200 | 161 |
| Average total loans | $2,629,353,800 | 191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3555% | 246 |
| Cost of funding earning assets | 0.4189% | 6,964 |
| Net interest margin | 5.9366% | 96 |
| Noninterest income to average assets | 1.2012% | 914 |
| Noninterest expense to average assets | 4.6600% | 494 |
| Loan and lease loss provision to assets | 0.1495% | 4,579 |
| Net operating income to assets | 1.0351% | 2,196 |
| Return on assets (ROA) | 1.0351% | 2,350 |
| Pretax return on assets | 1.3964% | 1,950 |
| Return on Equity (ROE) | 7.4263% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.4263% | 1,754 |
| Net charge-offs to loans | 0.6894% | 2,192 |
| Credit loss provision to net charge-offs | 37.4180% | 5,291 |
| Earnings coverage of net charge-offs (x) | 3.8698% | 3,263 |
| Efficiency ratio | 73.5770% | 3,262 |
| Assets per employee ($millions) | 3.8381% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 2,148 |
| Loan loss allowance to noncurrent loans | 34.4512% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 4.6314% | 1,286 |
| Noncurrent loans to loans | 6.0053% | 928 |
| Net loans and leases to total assets | 58.4310% | 4,430 |
| Net loans and leases to deposits | 71.7323% | 4,027 |
| Net loans and leases to core deposits | 74.7797% | 4,344 |
| Total domestic deposits to total assets | 81.4570% | 5,270 |
| Equity capital to assets | 14.0718% | 1,133 |
| Core capital (leverage) ratio | 11.2196% | 2,215 |
| Tier 1 risk-based capital ratio | 17.7542% | 2,350 |
| Total risk-based capital ratio | 19.0149% | 2,315 |
| Memoranda: | ||
| Average total assets | $4,425,982,500 | 183 |
| Average earning assets | $3,731,205,250 | 189 |
| Average equity | $616,912,250 | 165 |
| Average total loans | $2,564,844,250 | 196 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9811% | 496 |
| Cost of funding earning assets | 0.4465% | 7,018 |
| Net interest margin | 5.5347% | 171 |
| Noninterest income to average assets | 1.1413% | 994 |
| Noninterest expense to average assets | 4.6889% | 492 |
| Loan and lease loss provision to assets | 0.1867% | 4,047 |
| Net operating income to assets | 0.7108% | 3,490 |
| Return on assets (ROA) | 0.7108% | 3,602 |
| Pretax return on assets | 0.9267% | 3,525 |
| Return on Equity (ROE) | 5.1175% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.1175% | 2,929 |
| Net charge-offs to loans | 0.7335% | 2,040 |
| Credit loss provision to net charge-offs | 44.4163% | 4,723 |
| Earnings coverage of net charge-offs (x) | 2.6482% | 3,508 |
| Efficiency ratio | 79.2614% | 2,511 |
| Assets per employee ($millions) | 3.9373% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3817% | 1,620 |
| Loan loss allowance to noncurrent loans | 38.1127% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 4.7377% | 1,311 |
| Noncurrent loans to loans | 6.2492% | 921 |
| Net loans and leases to total assets | 57.4251% | 4,738 |
| Net loans and leases to deposits | 70.9384% | 4,301 |
| Net loans and leases to core deposits | 74.3660% | 4,535 |
| Total domestic deposits to total assets | 80.9507% | 5,540 |
| Equity capital to assets | 14.5899% | 916 |
| Core capital (leverage) ratio | 11.7386% | 1,754 |
| Tier 1 risk-based capital ratio | 18.7693% | 1,916 |
| Total risk-based capital ratio | 20.0340% | 1,872 |
| Memoranda: | ||
| Average total assets | $4,314,885,670 | 191 |
| Average earning assets | $3,633,792,670 | 197 |
| Average equity | $599,312,000 | 170 |
| Average total loans | $2,473,245,670 | 203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1137% | 389 |
| Cost of funding earning assets | 0.4648% | 7,079 |
| Net interest margin | 5.6489% | 129 |
| Noninterest income to average assets | 1.1030% | 1,078 |
| Noninterest expense to average assets | 5.1292% | 327 |
| Loan and lease loss provision to assets | -0.0396% | 7,463 |
| Net operating income to assets | 0.6046% | 4,009 |
| Return on assets (ROA) | 0.6046% | 4,076 |
| Pretax return on assets | 0.7837% | 3,960 |
| Return on Equity (ROE) | 4.4699% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.4699% | 3,495 |
| Net charge-offs to loans | 0.9431% | 1,419 |
| Credit loss provision to net charge-offs | -7.4322% | 5,581 |
| Earnings coverage of net charge-offs (x) | 1.3954% | 3,653 |
| Efficiency ratio | 85.7602% | 1,735 |
| Assets per employee ($millions) | 4.0110% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5644% | 1,363 |
| Loan loss allowance to noncurrent loans | 39.4651% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 4.5510% | 1,418 |
| Noncurrent loans to loans | 6.4978% | 917 |
| Net loans and leases to total assets | 54.3135% | 5,260 |
| Net loans and leases to deposits | 66.2365% | 4,940 |
| Net loans and leases to core deposits | 69.1122% | 5,151 |
| Total domestic deposits to total assets | 81.9993% | 5,317 |
| Equity capital to assets | 13.6103% | 1,144 |
| Core capital (leverage) ratio | 10.6815% | 2,447 |
| Tier 1 risk-based capital ratio | 17.6156% | 2,240 |
| Total risk-based capital ratio | 18.8812% | 2,210 |
| Memoranda: | ||
| Average total assets | $4,259,549,500 | 191 |
| Average earning assets | $3,596,962,500 | 198 |
| Average equity | $576,126,000 | 175 |
| Average total loans | $2,408,174,500 | 208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4931% | 2,315 |
| Cost of funding earning assets | 0.6274% | 7,065 |
| Net interest margin | 4.8657% | 580 |
| Noninterest income to average assets | 1.4190% | 721 |
| Noninterest expense to average assets | 3.5222% | 2,115 |
| Loan and lease loss provision to assets | 1.1767% | 1,339 |
| Net operating income to assets | 0.7654% | 2,934 |
| Return on assets (ROA) | 0.7667% | 3,053 |
| Pretax return on assets | 0.8429% | 3,490 |
| Return on Equity (ROE) | 5.6623% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.6623% | 2,010 |
| Net charge-offs to loans | 1.4014% | 1,589 |
| Credit loss provision to net charge-offs | 140.1765% | 2,695 |
| Earnings coverage of net charge-offs (x) | 2.4042% | 3,929 |
| Efficiency ratio | 61.8129% | 5,761 |
| Assets per employee ($millions) | 3.8969% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7483% | 1,114 |
| Loan loss allowance to noncurrent loans | 30.7227% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 6.1962% | 939 |
| Noncurrent loans to loans | 8.9455% | 527 |
| Net loans and leases to total assets | 55.7548% | 5,379 |
| Net loans and leases to deposits | 68.0155% | 5,103 |
| Net loans and leases to core deposits | 71.2777% | 5,298 |
| Total domestic deposits to total assets | 81.9737% | 5,199 |
| Equity capital to assets | 13.4405% | 1,196 |
| Core capital (leverage) ratio | 10.3338% | 2,736 |
| Tier 1 risk-based capital ratio | 16.9345% | 2,368 |
| Total risk-based capital ratio | 18.2021% | 2,329 |
| Memoranda: | ||
| Average total assets | $4,023,503,800 | 201 |
| Average earning assets | $3,408,003,600 | 205 |
| Average equity | $544,776,600 | 179 |
| Average total loans | $2,410,235,400 | 213 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 1,748 |
| Cost of funding earning assets | 0.6658% | 7,139 |
| Net interest margin | 5.0239% | 415 |
| Noninterest income to average assets | 1.3710% | 718 |
| Noninterest expense to average assets | 3.5714% | 1,849 |
| Loan and lease loss provision to assets | 1.2761% | 1,103 |
| Net operating income to assets | 0.6108% | 3,831 |
| Return on assets (ROA) | 0.6123% | 3,993 |
| Pretax return on assets | 0.7849% | 3,968 |
| Return on Equity (ROE) | 4.5133% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.5133% | 3,334 |
| Net charge-offs to loans | 1.5894% | 1,242 |
| Credit loss provision to net charge-offs | 132.4990% | 3,048 |
| Earnings coverage of net charge-offs (x) | 2.1379% | 4,118 |
| Efficiency ratio | 61.7079% | 5,665 |
| Assets per employee ($millions) | 3.8573% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5147% | 1,301 |
| Loan loss allowance to noncurrent loans | 72.2994% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.9960% | 2,425 |
| Noncurrent loans to loans | 3.4782% | 2,284 |
| Net loans and leases to total assets | 57.3647% | 5,357 |
| Net loans and leases to deposits | 70.1932% | 5,119 |
| Net loans and leases to core deposits | 74.0412% | 5,285 |
| Total domestic deposits to total assets | 81.7240% | 5,107 |
| Equity capital to assets | 13.4291% | 1,378 |
| Core capital (leverage) ratio | 10.0137% | 3,243 |
| Tier 1 risk-based capital ratio | 16.7404% | 2,438 |
| Total risk-based capital ratio | 18.0066% | 2,396 |
| Memoranda: | ||
| Average total assets | $3,965,536,500 | 202 |
| Average earning assets | $3,362,046,500 | 205 |
| Average equity | $537,984,500 | 179 |
| Average total loans | $2,402,888,750 | 210 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 2,396 |
| Cost of funding earning assets | 0.6977% | 7,196 |
| Net interest margin | 4.8353% | 619 |
| Noninterest income to average assets | 1.7361% | 438 |
| Noninterest expense to average assets | 3.6501% | 1,666 |
| Loan and lease loss provision to assets | 1.4717% | 905 |
| Net operating income to assets | 0.6660% | 3,551 |
| Return on assets (ROA) | 0.6688% | 3,681 |
| Pretax return on assets | 0.7272% | 4,147 |
| Return on Equity (ROE) | 4.9115% | 4,332 |
| Retained earnings to average equity (ytd only) | 4.9115% | 2,955 |
| Net charge-offs to loans | 1.8747% | 989 |
| Credit loss provision to net charge-offs | 128.2051% | 3,137 |
| Earnings coverage of net charge-offs (x) | 1.9129% | 4,087 |
| Efficiency ratio | 60.8102% | 5,892 |
| Assets per employee ($millions) | 4.0444% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3607% | 1,490 |
| Loan loss allowance to noncurrent loans | 50.1764% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.6445% | 1,923 |
| Noncurrent loans to loans | 4.7048% | 1,511 |
| Net loans and leases to total assets | 57.6430% | 5,469 |
| Net loans and leases to deposits | 70.1264% | 5,260 |
| Net loans and leases to core deposits | 74.5563% | 5,382 |
| Total domestic deposits to total assets | 82.1986% | 4,910 |
| Equity capital to assets | 13.0632% | 1,547 |
| Core capital (leverage) ratio | 9.9364% | 3,236 |
| Tier 1 risk-based capital ratio | 16.3448% | 2,533 |
| Total risk-based capital ratio | 17.6091% | 2,475 |
| Memoranda: | ||
| Average total assets | $3,873,029,330 | 203 |
| Average earning assets | $3,291,960,330 | 207 |
| Average equity | $527,378,000 | 179 |
| Average total loans | $2,371,583,000 | 211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 1,895 |
| Cost of funding earning assets | 0.7583% | 7,210 |
| Net interest margin | 4.9090% | 507 |
| Noninterest income to average assets | 1.9681% | 347 |
| Noninterest expense to average assets | 3.6580% | 1,598 |
| Loan and lease loss provision to assets | 1.6367% | 701 |
| Net operating income to assets | 0.8429% | 2,781 |
| Return on assets (ROA) | 0.8489% | 2,849 |
| Pretax return on assets | 0.8912% | 3,500 |
| Return on Equity (ROE) | 6.0894% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.0894% | 2,581 |
| Net charge-offs to loans | 2.0065% | 853 |
| Credit loss provision to net charge-offs | 130.4688% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.0101% | 3,535 |
| Efficiency ratio | 57.8060% | 6,518 |
| Assets per employee ($millions) | 4.4763% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 1,725 |
| Loan loss allowance to noncurrent loans | 52.5490% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 3.3154% | 2,160 |
| Noncurrent loans to loans | 4.2111% | 1,830 |
| Net loans and leases to total assets | 60.9437% | 4,952 |
| Net loans and leases to deposits | 74.4016% | 4,679 |
| Net loans and leases to core deposits | 79.3244% | 4,853 |
| Total domestic deposits to total assets | 81.9118% | 5,112 |
| Equity capital to assets | 13.3477% | 1,383 |
| Core capital (leverage) ratio | 10.6959% | 2,454 |
| Tier 1 risk-based capital ratio | 16.0709% | 2,625 |
| Total risk-based capital ratio | 17.3338% | 2,572 |
| Memoranda: | ||
| Average total assets | $3,666,024,500 | 216 |
| Average earning assets | $3,145,081,500 | 221 |
| Average equity | $511,055,500 | 182 |
| Average total loans | $2,291,912,000 | 222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 5,328 |
| Cost of funding earning assets | 1.0078% | 7,193 |
| Net interest margin | 4.2608% | 1,852 |
| Noninterest income to average assets | 0.8756% | 2,048 |
| Noninterest expense to average assets | 2.9847% | 4,209 |
| Loan and lease loss provision to assets | 2.0450% | 1,047 |
| Net operating income to assets | -0.1155% | 5,699 |
| Return on assets (ROA) | -0.0923% | 5,673 |
| Pretax return on assets | -0.3628% | 5,887 |
| Return on Equity (ROE) | -0.6984% | 5,656 |
| Retained earnings to average equity (ytd only) | -0.7472% | 5,189 |
| Net charge-offs to loans | 2.4849% | 929 |
| Credit loss provision to net charge-offs | 120.3358% | 4,450 |
| Earnings coverage of net charge-offs (x) | 0.9686% | 5,149 |
| Efficiency ratio | 63.7272% | 5,821 |
| Assets per employee ($millions) | 4.4950% | 2,932 |
| Cash dividends to net income (ytd only)* | -6.9759% | 7,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6621% | 1,055 |
| Loan loss allowance to noncurrent loans | 48.4244% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 4.0455% | 1,630 |
| Noncurrent loans to loans | 5.4974% | 1,176 |
| Net loans and leases to total assets | 61.0982% | 5,175 |
| Net loans and leases to deposits | 76.1992% | 4,708 |
| Net loans and leases to core deposits | 88.2754% | 5,299 |
| Total domestic deposits to total assets | 80.1821% | 5,619 |
| Equity capital to assets | 14.7053% | 974 |
| Core capital (leverage) ratio | 11.7272% | 1,797 |
| Tier 1 risk-based capital ratio | 14.9091% | 2,996 |
| Total risk-based capital ratio | 16.1716% | 2,933 |
| Memoranda: | ||
| Average total assets | $3,105,060,200 | 241 |
| Average earning assets | $2,736,618,800 | 242 |
| Average equity | $410,487,200 | 209 |
| Average total loans | $2,123,559,000 | 247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 5,377 |
| Cost of funding earning assets | 1.0620% | 7,260 |
| Net interest margin | 4.2469% | 1,881 |
| Noninterest income to average assets | 0.8670% | 2,116 |
| Noninterest expense to average assets | 3.0342% | 3,907 |
| Loan and lease loss provision to assets | 2.0987% | 842 |
| Net operating income to assets | -0.2023% | 6,067 |
| Return on assets (ROA) | -0.2010% | 6,074 |
| Pretax return on assets | -0.5219% | 6,326 |
| Return on Equity (ROE) | -1.5658% | 6,029 |
| Retained earnings to average equity (ytd only) | -1.6332% | 5,641 |
| Net charge-offs to loans | 2.4507% | 749 |
| Credit loss provision to net charge-offs | 122.6017% | 4,130 |
| Earnings coverage of net charge-offs (x) | 0.9199% | 5,135 |
| Efficiency ratio | 65.0859% | 5,537 |
| Assets per employee ($millions) | 4.4911% | 2,874 |
| Cash dividends to net income (ytd only)* | -4.3066% | 7,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5050% | 1,054 |
| Loan loss allowance to noncurrent loans | 39.5398% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 4.7015% | 1,272 |
| Noncurrent loans to loans | 6.3354% | 920 |
| Net loans and leases to total assets | 63.5366% | 4,965 |
| Net loans and leases to deposits | 79.5512% | 4,464 |
| Net loans and leases to core deposits | 92.2774% | 5,210 |
| Total domestic deposits to total assets | 79.8688% | 5,485 |
| Equity capital to assets | 14.8196% | 1,061 |
| Core capital (leverage) ratio | 12.0231% | 1,793 |
| Tier 1 risk-based capital ratio | 14.4049% | 3,329 |
| Total risk-based capital ratio | 15.6840% | 3,257 |
| Memoranda: | ||
| Average total assets | $3,081,217,250 | 252 |
| Average earning assets | $2,714,838,000 | 255 |
| Average equity | $395,450,500 | 220 |
| Average total loans | $2,152,227,750 | 257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 5,373 |
| Cost of funding earning assets | 1.1129% | 7,345 |
| Net interest margin | 4.2434% | 1,839 |
| Noninterest income to average assets | 0.8627% | 2,134 |
| Noninterest expense to average assets | 3.1084% | 3,666 |
| Loan and lease loss provision to assets | 2.0964% | 760 |
| Net operating income to assets | -0.2243% | 6,224 |
| Return on assets (ROA) | -0.2222% | 6,242 |
| Pretax return on assets | -0.5973% | 6,521 |
| Return on Equity (ROE) | -1.8293% | 6,200 |
| Retained earnings to average equity (ytd only) | -1.9371% | 5,727 |
| Net charge-offs to loans | 2.3711% | 750 |
| Credit loss provision to net charge-offs | 123.7097% | 3,760 |
| Earnings coverage of net charge-offs (x) | 0.8827% | 4,869 |
| Efficiency ratio | 66.7411% | 5,405 |
| Assets per employee ($millions) | 4.3000% | 3,118 |
| Cash dividends to net income (ytd only)* | -5.8962% | 7,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3038% | 1,096 |
| Loan loss allowance to noncurrent loans | 38.2574% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 4.5035% | 1,241 |
| Noncurrent loans to loans | 6.0218% | 905 |
| Net loans and leases to total assets | 68.5713% | 4,055 |
| Net loans and leases to deposits | 86.1861% | 3,519 |
| Net loans and leases to core deposits | 100.9725% | 4,407 |
| Total domestic deposits to total assets | 79.5620% | 5,618 |
| Equity capital to assets | 12.7757% | 1,802 |
| Core capital (leverage) ratio | 9.5264% | 3,848 |
| Tier 1 risk-based capital ratio | 11.2873% | 5,608 |
| Total risk-based capital ratio | 12.5468% | 5,501 |
| Memoranda: | ||
| Average total assets | $3,052,881,670 | 260 |
| Average earning assets | $2,691,882,330 | 263 |
| Average equity | $370,860,000 | 232 |
| Average total loans | $2,181,837,670 | 262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3700% | 5,571 |
| Cost of funding earning assets | 1.1906% | 7,321 |
| Net interest margin | 4.1795% | 1,980 |
| Noninterest income to average assets | 0.8703% | 1,987 |
| Noninterest expense to average assets | 2.9627% | 3,930 |
| Loan and lease loss provision to assets | 1.4342% | 885 |
| Net operating income to assets | 0.2402% | 5,528 |
| Return on assets (ROA) | 0.2402% | 5,691 |
| Pretax return on assets | 0.1575% | 6,036 |
| Return on Equity (ROE) | 2.0287% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.0287% | 4,732 |
| Net charge-offs to loans | 1.7176% | 844 |
| Credit loss provision to net charge-offs | 115.8139% | 3,369 |
| Earnings coverage of net charge-offs (x) | 1.2853% | 4,096 |
| Efficiency ratio | 64.2781% | 5,639 |
| Assets per employee ($millions) | 4.2933% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 1,369 |
| Loan loss allowance to noncurrent loans | 37.7081% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 3.9967% | 1,289 |
| Noncurrent loans to loans | 5.3595% | 986 |
| Net loans and leases to total assets | 70.4764% | 3,577 |
| Net loans and leases to deposits | 88.6173% | 3,172 |
| Net loans and leases to core deposits | 106.0264% | 3,908 |
| Total domestic deposits to total assets | 79.5289% | 5,534 |
| Equity capital to assets | 11.9619% | 2,287 |
| Core capital (leverage) ratio | 8.7457% | 5,070 |
| Tier 1 risk-based capital ratio | 10.1920% | 6,724 |
| Total risk-based capital ratio | 11.4484% | 6,631 |
| Memoranda: | ||
| Average total assets | $3,067,878,500 | 262 |
| Average earning assets | $2,704,269,500 | 265 |
| Average equity | $363,193,000 | 235 |
| Average total loans | $2,211,899,000 | 260 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1997% | 4,519 |
| Cost of funding earning assets | 1.8874% | 6,770 |
| Net interest margin | 4.3123% | 1,936 |
| Noninterest income to average assets | 0.9295% | 1,857 |
| Noninterest expense to average assets | 2.8310% | 4,691 |
| Loan and lease loss provision to assets | 1.3029% | 1,090 |
| Net operating income to assets | 0.7416% | 3,708 |
| Return on assets (ROA) | 0.2440% | 5,538 |
| Pretax return on assets | 0.1189% | 5,907 |
| Return on Equity (ROE) | 2.1222% | 5,571 |
| Retained earnings to average equity (ytd only) | 1.1887% | 4,520 |
| Net charge-offs to loans | 1.1018% | 1,107 |
| Credit loss provision to net charge-offs | 164.3827% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.4216% | 4,866 |
| Efficiency ratio | 58.8950% | 6,545 |
| Assets per employee ($millions) | 4.2238% | 3,074 |
| Cash dividends to net income (ytd only)* | 43.9875% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 1,389 |
| Loan loss allowance to noncurrent loans | 40.2658% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 3.5266% | 1,261 |
| Noncurrent loans to loans | 4.7515% | 974 |
| Net loans and leases to total assets | 70.8821% | 3,817 |
| Net loans and leases to deposits | 89.2654% | 3,583 |
| Net loans and leases to core deposits | 104.4277% | 4,354 |
| Total domestic deposits to total assets | 79.4060% | 5,239 |
| Equity capital to assets | 11.7172% | 2,489 |
| Core capital (leverage) ratio | 8.6387% | 5,306 |
| Tier 1 risk-based capital ratio | 9.9595% | 6,781 |
| Total risk-based capital ratio | 11.2149% | 6,664 |
| Memoranda: | ||
| Average total assets | $3,148,672,000 | 249 |
| Average earning assets | $2,789,828,000 | 252 |
| Average equity | $362,080,200 | 239 |
| Average total loans | $2,265,196,200 | 247 |