Home > Eastern Bank > Performance and Condition Ratios
Eastern Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,928 |
| Cost of funding earning assets | 1.2399% | 2,694 |
| Net interest margin | 2.7824% | 3,694 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.9076% | 3,820 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9495% | 2,367 |
| Return on assets (ROA) | 1.0945% | 1,906 |
| Pretax return on assets | 0.8126% | 3,181 |
| Return on Equity (ROE) | 9.6600% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.0426% | 1,524 |
| Net charge-offs to loans | 0.0878% | 992 |
| Credit loss provision to net charge-offs | 165.3500% | 1,381 |
| Earnings coverage of net charge-offs (x) | 19.5175% | 1,900 |
| Efficiency ratio | 63.4823% | 2,672 |
| Assets per employee ($millions) | 12.2640% | 386 |
| Cash dividends to net income (ytd only)* | 16.7422% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 2,987 |
| Loan loss allowance to noncurrent loans | 283.4884% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 1,966 |
| Noncurrent loans to loans | 0.3768% | 1,858 |
| Net loans and leases to total assets | 65.3500% | 2,330 |
| Net loans and leases to deposits | 77.8129% | 2,282 |
| Net loans and leases to core deposits | 81.8346% | 2,597 |
| Total domestic deposits to total assets | 83.9800% | 2,622 |
| Equity capital to assets | 13.4578% | 774 |
| Core capital (leverage) ratio | 13.3947% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7756% | 813 |
| Memoranda: | ||
| Average total assets | $21,828,282,800 | 88 |
| Average earning assets | $19,846,327,000 | 87 |
| Average equity | $2,473,291,600 | 82 |
| Average total loans | $13,810,963,600 | 94 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 3,904 |
| Cost of funding earning assets | 1.1719% | 2,523 |
| Net interest margin | 2.7922% | 3,732 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.7761% | 4,023 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0578% | 2,194 |
| Return on assets (ROA) | -0.4893% | 4,523 |
| Pretax return on assets | -0.8781% | 4,545 |
| Return on Equity (ROE) | -4.5200% | 4,496 |
| Retained earnings to average equity (ytd only) | -4.5216% | 4,411 |
| Net charge-offs to loans | 0.0075% | 2,141 |
| Credit loss provision to net charge-offs | 1,914.1753% | 245 |
| Earnings coverage of net charge-offs (x) | 253.8544% | 507 |
| Efficiency ratio | 59.5429% | 3,020 |
| Assets per employee ($millions) | 10.2607% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,790 |
| Loan loss allowance to noncurrent loans | 326.8709% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 2,139 |
| Noncurrent loans to loans | 0.3409% | 2,010 |
| Net loans and leases to total assets | 65.1700% | 2,326 |
| Net loans and leases to deposits | 78.5108% | 2,203 |
| Net loans and leases to core deposits | 83.5228% | 2,357 |
| Total domestic deposits to total assets | 83.0100% | 3,016 |
| Equity capital to assets | 11.0817% | 1,316 |
| Core capital (leverage) ratio | 11.7898% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4333% | 1,218 |
| Memoranda: | ||
| Average total assets | $22,005,702,500 | 89 |
| Average earning assets | $19,992,007,250 | 88 |
| Average equity | $2,381,089,750 | 85 |
| Average total loans | $13,776,326,000 | 95 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 3,935 |
| Cost of funding earning assets | 1.0904% | 2,307 |
| Net interest margin | 2.7679% | 3,874 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 2.1268% | 3,274 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.0738% | 2,197 |
| Return on assets (ROA) | -1.2869% | 4,606 |
| Pretax return on assets | -1.6849% | 4,613 |
| Return on Equity (ROE) | -11.9900% | 4,590 |
| Retained earnings to average equity (ytd only) | -11.9850% | 4,537 |
| Net charge-offs to loans | 0.0093% | 1,860 |
| Credit loss provision to net charge-offs | 1,177.7778% | 365 |
| Earnings coverage of net charge-offs (x) | 243.5665% | 518 |
| Efficiency ratio | 59.8308% | 2,984 |
| Assets per employee ($millions) | 10.2981% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,138 |
| Loan loss allowance to noncurrent loans | 484.1618% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 2,559 |
| Noncurrent loans to loans | 0.2191% | 2,388 |
| Net loans and leases to total assets | 64.0000% | 2,386 |
| Net loans and leases to deposits | 75.4078% | 2,372 |
| Net loans and leases to core deposits | 80.9332% | 2,414 |
| Total domestic deposits to total assets | 84.8700% | 2,581 |
| Equity capital to assets | 11.1623% | 1,316 |
| Core capital (leverage) ratio | 11.1870% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9897% | 1,321 |
| Memoranda: | ||
| Average total assets | $22,298,700,000 | 86 |
| Average earning assets | $20,315,248,667 | 85 |
| Average equity | $2,394,386,000 | 83 |
| Average total loans | $13,727,137,333 | 93 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,078 |
| Cost of funding earning assets | 0.9775% | 2,123 |
| Net interest margin | 2.6897% | 4,084 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 2.0593% | 3,477 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.2372% | 1,829 |
| Return on assets (ROA) | -3.4077% | 4,657 |
| Pretax return on assets | -4.5044% | 4,662 |
| Return on Equity (ROE) | -32.3400% | 4,643 |
| Retained earnings to average equity (ytd only) | -32.3443% | 4,643 |
| Net charge-offs to loans | 0.0046% | 1,807 |
| Credit loss provision to net charge-offs | 16.1290% | 1,382 |
| Earnings coverage of net charge-offs (x) | 507.1161% | 223 |
| Efficiency ratio | 59.2599% | 3,052 |
| Assets per employee ($millions) | 10.9251% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,380 |
| Loan loss allowance to noncurrent loans | 407.6534% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,450 |
| Noncurrent loans to loans | 0.2530% | 2,239 |
| Net loans and leases to total assets | 59.5700% | 2,705 |
| Net loans and leases to deposits | 72.4034% | 2,436 |
| Net loans and leases to core deposits | 76.8882% | 2,469 |
| Total domestic deposits to total assets | 82.2800% | 3,438 |
| Equity capital to assets | 10.7855% | 1,420 |
| Core capital (leverage) ratio | 10.5365% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9909% | 1,372 |
| Memoranda: | ||
| Average total assets | $22,665,934,500 | 88 |
| Average earning assets | $20,695,185,000 | 87 |
| Average equity | $2,388,045,000 | 86 |
| Average total loans | $13,615,935,500 | 96 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9104% | 4,229 |
| Cost of funding earning assets | 0.1783% | 3,927 |
| Net interest margin | 2.7321% | 4,009 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.0370% | 3,477 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9113% | 2,918 |
| Return on assets (ROA) | 0.9003% | 2,897 |
| Pretax return on assets | 1.1504% | 2,603 |
| Return on Equity (ROE) | 7.6500% | 3,472 |
| Retained earnings to average equity (ytd only) | -1.3513% | 4,459 |
| Net charge-offs to loans | 0.0046% | 2,269 |
| Credit loss provision to net charge-offs | 3,048.4694% | 187 |
| Earnings coverage of net charge-offs (x) | 482.8180% | 341 |
| Efficiency ratio | 61.3959% | 2,858 |
| Assets per employee ($millions) | 10.8639% | 525 |
| Cash dividends to net income (ytd only)* | 117.6574% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,133 |
| Loan loss allowance to noncurrent loans | 368.3841% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 2,354 |
| Noncurrent loans to loans | 0.2845% | 2,127 |
| Net loans and leases to total assets | 59.3200% | 2,697 |
| Net loans and leases to deposits | 70.2030% | 2,567 |
| Net loans and leases to core deposits | 74.7572% | 2,516 |
| Total domestic deposits to total assets | 84.5000% | 3,103 |
| Equity capital to assets | 10.2853% | 1,564 |
| Core capital (leverage) ratio | 11.4073% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0566% | 1,119 |
| Memoranda: | ||
| Average total assets | $22,656,910,800 | 92 |
| Average earning assets | $20,831,115,800 | 90 |
| Average equity | $2,665,372,000 | 84 |
| Average total loans | $12,649,289,800 | 102 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7533% | 4,241 |
| Cost of funding earning assets | 0.0775% | 4,437 |
| Net interest margin | 2.6759% | 3,977 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 1.9385% | 3,651 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9566% | 2,637 |
| Return on assets (ROA) | 0.9451% | 2,649 |
| Pretax return on assets | 1.2280% | 2,264 |
| Return on Equity (ROE) | 7.7900% | 3,390 |
| Retained earnings to average equity (ytd only) | -1.9079% | 4,486 |
| Net charge-offs to loans | 0.0027% | 2,153 |
| Credit loss provision to net charge-offs | 2,751.9531% | 191 |
| Earnings coverage of net charge-offs (x) | 853.9023% | 187 |
| Efficiency ratio | 59.6129% | 3,161 |
| Assets per employee ($millions) | 10.7312% | 537 |
| Cash dividends to net income (ytd only)* | 124.4935% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,376 |
| Loan loss allowance to noncurrent loans | 387.7687% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,538 |
| Noncurrent loans to loans | 0.2635% | 2,320 |
| Net loans and leases to total assets | 57.9200% | 2,708 |
| Net loans and leases to deposits | 67.5514% | 2,574 |
| Net loans and leases to core deposits | 67.9186% | 2,810 |
| Total domestic deposits to total assets | 85.7400% | 3,125 |
| Equity capital to assets | 10.3021% | 1,468 |
| Core capital (leverage) ratio | 11.5425% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5858% | 1,069 |
| Memoranda: | ||
| Average total assets | $22,663,767,750 | 94 |
| Average earning assets | $20,874,947,500 | 92 |
| Average equity | $2,749,835,000 | 84 |
| Average total loans | $12,419,834,750 | 104 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5863% | 4,287 |
| Cost of funding earning assets | 0.0614% | 4,519 |
| Net interest margin | 2.5249% | 4,046 |
| Noninterest income to average assets | 0.7415% | 1,195 |
| Noninterest expense to average assets | 1.8816% | 3,751 |
| Loan and lease loss provision to assets | -0.0020% | 4,368 |
| Net operating income to assets | 0.9233% | 2,475 |
| Return on assets (ROA) | 0.9076% | 2,523 |
| Pretax return on assets | 1.1730% | 2,159 |
| Return on Equity (ROE) | 7.1349% | 3,277 |
| Retained earnings to average equity (ytd only) | -1.4554% | 4,336 |
| Net charge-offs to loans | -0.0015% | 3,080 |
| Credit loss provision to net charge-offs | -614.1304% | 3,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7488% | 3,211 |
| Assets per employee ($millions) | 10.8607% | 523 |
| Cash dividends to net income (ytd only)* | 120.3984% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,539 |
| Loan loss allowance to noncurrent loans | 209.6376% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 1,970 |
| Noncurrent loans to loans | 0.4837% | 1,660 |
| Net loans and leases to total assets | 54.8733% | 2,873 |
| Net loans and leases to deposits | 63.5715% | 2,760 |
| Net loans and leases to core deposits | 64.0393% | 2,966 |
| Total domestic deposits to total assets | 86.3174% | 3,166 |
| Equity capital to assets | 11.6634% | 975 |
| Core capital (leverage) ratio | 11.7132% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0820% | 982 |
| Memoranda: | ||
| Average total assets | $22,878,221,667 | 92 |
| Average earning assets | $21,121,211,000 | 91 |
| Average equity | $2,910,259,333 | 77 |
| Average total loans | $12,264,586,000 | 103 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4667% | 4,308 |
| Cost of funding earning assets | 0.0628% | 4,507 |
| Net interest margin | 2.4038% | 4,063 |
| Noninterest income to average assets | 0.8028% | 1,038 |
| Noninterest expense to average assets | 1.8589% | 3,784 |
| Loan and lease loss provision to assets | -0.0204% | 4,450 |
| Net operating income to assets | 0.9311% | 2,150 |
| Return on assets (ROA) | 0.9015% | 2,263 |
| Pretax return on assets | 1.1495% | 1,984 |
| Return on Equity (ROE) | 6.8137% | 3,094 |
| Retained earnings to average equity (ytd only) | 0.2845% | 3,960 |
| Net charge-offs to loans | 0.0073% | 1,481 |
| Credit loss provision to net charge-offs | -217.4888% | 2,989 |
| Earnings coverage of net charge-offs (x) | 302.8161% | 316 |
| Efficiency ratio | 60.9672% | 3,378 |
| Assets per employee ($millions) | 11.3676% | 463 |
| Cash dividends to net income (ytd only)* | 95.8240% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,630 |
| Loan loss allowance to noncurrent loans | 367.1378% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 2,759 |
| Noncurrent loans to loans | 0.2781% | 2,475 |
| Net loans and leases to total assets | 52.7498% | 2,914 |
| Net loans and leases to deposits | 61.6427% | 2,747 |
| Net loans and leases to core deposits | 62.6422% | 2,919 |
| Total domestic deposits to total assets | 85.5735% | 3,393 |
| Equity capital to assets | 12.6069% | 780 |
| Core capital (leverage) ratio | 11.6103% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6011% | 951 |
| Memoranda: | ||
| Average total assets | $23,152,554,500 | 92 |
| Average earning assets | $21,408,282,500 | 91 |
| Average equity | $3,063,194,500 | 76 |
| Average total loans | $12,207,633,000 | 104 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5969% | 4,411 |
| Cost of funding earning assets | 0.0317% | 4,754 |
| Net interest margin | 2.5651% | 4,099 |
| Noninterest income to average assets | 1.0731% | 894 |
| Noninterest expense to average assets | 2.4300% | 2,397 |
| Loan and lease loss provision to assets | -0.0534% | 4,367 |
| Net operating income to assets | 0.8275% | 3,247 |
| Return on assets (ROA) | 0.8326% | 3,305 |
| Pretax return on assets | 1.0830% | 3,022 |
| Return on Equity (ROE) | 5.4447% | 3,896 |
| Retained earnings to average equity (ytd only) | 5.4447% | 2,595 |
| Net charge-offs to loans | 0.0546% | 1,246 |
| Credit loss provision to net charge-offs | -174.2713% | 3,479 |
| Earnings coverage of net charge-offs (x) | 33.3708% | 1,540 |
| Efficiency ratio | 69.9698% | 1,735 |
| Assets per employee ($millions) | 11.7805% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,270 |
| Loan loss allowance to noncurrent loans | 279.5272% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 2,905 |
| Noncurrent loans to loans | 0.2854% | 2,578 |
| Net loans and leases to total assets | 51.7599% | 3,095 |
| Net loans and leases to deposits | 61.4593% | 2,938 |
| Net loans and leases to core deposits | 62.6420% | 3,105 |
| Total domestic deposits to total assets | 84.2182% | 3,499 |
| Equity capital to assets | 13.8361% | 699 |
| Core capital (leverage) ratio | 13.2314% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7903% | 922 |
| Memoranda: | ||
| Average total assets | $18,128,575,000 | 110 |
| Average earning assets | $16,820,065,200 | 107 |
| Average equity | $2,772,154,800 | 85 |
| Average total loans | $10,185,529,000 | 119 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6638% | 4,443 |
| Cost of funding earning assets | 0.0248% | 4,850 |
| Net interest margin | 2.6390% | 4,075 |
| Noninterest income to average assets | 1.1465% | 866 |
| Noninterest expense to average assets | 2.3737% | 2,524 |
| Loan and lease loss provision to assets | -0.0426% | 4,433 |
| Net operating income to assets | 0.9721% | 3,014 |
| Return on assets (ROA) | 0.9794% | 3,071 |
| Pretax return on assets | 1.2747% | 2,689 |
| Return on Equity (ROE) | 6.1984% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.1984% | 2,744 |
| Net charge-offs to loans | 0.0588% | 1,056 |
| Credit loss provision to net charge-offs | -125.8617% | 3,270 |
| Earnings coverage of net charge-offs (x) | 36.1006% | 1,432 |
| Efficiency ratio | 65.6062% | 2,159 |
| Assets per employee ($millions) | 9.9089% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,483 |
| Loan loss allowance to noncurrent loans | 245.7644% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 2,575 |
| Noncurrent loans to loans | 0.4436% | 2,230 |
| Net loans and leases to total assets | 53.7541% | 2,996 |
| Net loans and leases to deposits | 64.9648% | 2,739 |
| Net loans and leases to core deposits | 65.1665% | 3,024 |
| Total domestic deposits to total assets | 82.7434% | 3,771 |
| Equity capital to assets | 15.1588% | 519 |
| Core capital (leverage) ratio | 13.5984% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4783% | 643 |
| Memoranda: | ||
| Average total assets | $16,788,159,750 | 114 |
| Average earning assets | $15,585,856,500 | 111 |
| Average equity | $2,652,660,250 | 90 |
| Average total loans | $9,667,835,000 | 126 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6998% | 4,454 |
| Cost of funding earning assets | 0.0276% | 4,884 |
| Net interest margin | 2.6723% | 4,035 |
| Noninterest income to average assets | 1.2268% | 773 |
| Noninterest expense to average assets | 2.4175% | 2,404 |
| Loan and lease loss provision to assets | -0.0468% | 4,510 |
| Net operating income to assets | 1.0229% | 2,812 |
| Return on assets (ROA) | 1.0340% | 2,852 |
| Pretax return on assets | 1.3488% | 2,483 |
| Return on Equity (ROE) | 6.4523% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.4523% | 2,639 |
| Net charge-offs to loans | 0.0722% | 914 |
| Credit loss provision to net charge-offs | -110.4155% | 3,076 |
| Earnings coverage of net charge-offs (x) | 30.3611% | 1,303 |
| Efficiency ratio | 64.8655% | 2,318 |
| Assets per employee ($millions) | 9.4799% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,410 |
| Loan loss allowance to noncurrent loans | 253.7460% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,713 |
| Noncurrent loans to loans | 0.4339% | 2,374 |
| Net loans and leases to total assets | 55.6984% | 2,938 |
| Net loans and leases to deposits | 67.6103% | 2,657 |
| Net loans and leases to core deposits | 67.8930% | 2,970 |
| Total domestic deposits to total assets | 82.3815% | 3,844 |
| Equity capital to assets | 15.5518% | 465 |
| Core capital (leverage) ratio | 13.9318% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0586% | 609 |
| Memoranda: | ||
| Average total assets | $16,567,697,333 | 115 |
| Average earning assets | $15,367,105,000 | 111 |
| Average equity | $2,655,166,000 | 89 |
| Average total loans | $9,729,366,333 | 124 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6818% | 4,499 |
| Cost of funding earning assets | 0.0276% | 4,919 |
| Net interest margin | 2.6542% | 4,053 |
| Noninterest income to average assets | 1.3390% | 726 |
| Noninterest expense to average assets | 2.3101% | 2,754 |
| Loan and lease loss provision to assets | -0.0142% | 4,590 |
| Net operating income to assets | 1.1615% | 2,293 |
| Return on assets (ROA) | 1.1840% | 2,284 |
| Pretax return on assets | 1.5301% | 1,915 |
| Return on Equity (ROE) | 7.2756% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.2756% | 2,485 |
| Net charge-offs to loans | 0.0560% | 952 |
| Credit loss provision to net charge-offs | -42.3049% | 2,749 |
| Earnings coverage of net charge-offs (x) | 44.3020% | 946 |
| Efficiency ratio | 60.4888% | 2,976 |
| Assets per employee ($millions) | 9.2451% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,319 |
| Loan loss allowance to noncurrent loans | 252.7188% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 2,831 |
| Noncurrent loans to loans | 0.4446% | 2,522 |
| Net loans and leases to total assets | 58.4785% | 2,746 |
| Net loans and leases to deposits | 71.1982% | 2,398 |
| Net loans and leases to core deposits | 71.4590% | 2,747 |
| Total domestic deposits to total assets | 82.1349% | 3,868 |
| Equity capital to assets | 15.8063% | 412 |
| Core capital (leverage) ratio | 14.5162% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8699% | 525 |
| Memoranda: | ||
| Average total assets | $16,333,836,000 | 116 |
| Average earning assets | $15,129,159,500 | 114 |
| Average equity | $2,658,093,500 | 89 |
| Average total loans | $9,797,002,000 | 125 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2681% | 4,370 |
| Cost of funding earning assets | 0.0949% | 4,873 |
| Net interest margin | 3.1732% | 3,428 |
| Noninterest income to average assets | 1.2935% | 684 |
| Noninterest expense to average assets | 2.9989% | 1,438 |
| Loan and lease loss provision to assets | 0.2797% | 1,367 |
| Net operating income to assets | 0.7316% | 3,326 |
| Return on assets (ROA) | 0.7333% | 3,447 |
| Pretax return on assets | 0.9286% | 3,285 |
| Return on Equity (ROE) | 5.4573% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.4573% | 2,068 |
| Net charge-offs to loans | 0.0846% | 1,616 |
| Credit loss provision to net charge-offs | 481.0315% | 1,286 |
| Earnings coverage of net charge-offs (x) | 20.7460% | 1,928 |
| Efficiency ratio | 70.8269% | 1,832 |
| Assets per employee ($millions) | 8.7077% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,136 |
| Loan loss allowance to noncurrent loans | 261.3313% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 2,942 |
| Noncurrent loans to loans | 0.4455% | 2,640 |
| Net loans and leases to total assets | 60.1480% | 2,846 |
| Net loans and leases to deposits | 74.3186% | 2,452 |
| Net loans and leases to core deposits | 74.6587% | 2,849 |
| Total domestic deposits to total assets | 80.9326% | 3,884 |
| Equity capital to assets | 16.7631% | 359 |
| Core capital (leverage) ratio | 14.6621% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5584% | 537 |
| Memoranda: | ||
| Average total assets | $13,873,649,400 | 123 |
| Average earning assets | $12,729,660,800 | 120 |
| Average equity | $1,864,091,200 | 113 |
| Average total loans | $9,534,407,200 | 125 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3852% | 4,364 |
| Cost of funding earning assets | 0.1195% | 4,882 |
| Net interest margin | 3.2657% | 3,295 |
| Noninterest income to average assets | 1.2788% | 662 |
| Noninterest expense to average assets | 3.0551% | 1,328 |
| Loan and lease loss provision to assets | 0.3784% | 974 |
| Net operating income to assets | 0.6745% | 3,545 |
| Return on assets (ROA) | 0.6768% | 3,646 |
| Pretax return on assets | 0.8397% | 3,545 |
| Return on Equity (ROE) | 5.4395% | 3,739 |
| Retained earnings to average equity (ytd only) | 5.4395% | 2,356 |
| Net charge-offs to loans | 0.0669% | 1,653 |
| Credit loss provision to net charge-offs | 795.3830% | 987 |
| Earnings coverage of net charge-offs (x) | 25.5431% | 1,721 |
| Efficiency ratio | 71.0514% | 1,745 |
| Assets per employee ($millions) | 8.5332% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 2,869 |
| Loan loss allowance to noncurrent loans | 257.4711% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,999 |
| Noncurrent loans to loans | 0.4521% | 2,697 |
| Net loans and leases to total assets | 63.4200% | 2,836 |
| Net loans and leases to deposits | 73.4194% | 3,007 |
| Net loans and leases to core deposits | 73.7623% | 3,335 |
| Total domestic deposits to total assets | 86.3804% | 1,905 |
| Equity capital to assets | 11.0496% | 2,359 |
| Core capital (leverage) ratio | 9.7033% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0759% | 2,165 |
| Memoranda: | ||
| Average total assets | $13,353,929,750 | 124 |
| Average earning assets | $12,232,960,500 | 123 |
| Average equity | $1,661,580,750 | 126 |
| Average total loans | $9,490,970,500 | 125 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 4,231 |
| Cost of funding earning assets | 0.1591% | 4,859 |
| Net interest margin | 3.4593% | 2,919 |
| Noninterest income to average assets | 1.2657% | 635 |
| Noninterest expense to average assets | 3.0921% | 1,373 |
| Loan and lease loss provision to assets | 0.5880% | 547 |
| Net operating income to assets | 0.6084% | 3,714 |
| Return on assets (ROA) | 0.6121% | 3,779 |
| Pretax return on assets | 0.7490% | 3,745 |
| Return on Equity (ROE) | 4.7046% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.7046% | 2,606 |
| Net charge-offs to loans | 0.0612% | 1,636 |
| Credit loss provision to net charge-offs | 1,300.2447% | 669 |
| Earnings coverage of net charge-offs (x) | 29.4663% | 1,450 |
| Efficiency ratio | 69.3842% | 2,035 |
| Assets per employee ($millions) | 7.6710% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 2,681 |
| Loan loss allowance to noncurrent loans | 210.5571% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 2,710 |
| Noncurrent loans to loans | 0.5549% | 2,501 |
| Net loans and leases to total assets | 70.5115% | 1,949 |
| Net loans and leases to deposits | 83.1756% | 2,081 |
| Net loans and leases to core deposits | 83.6981% | 2,636 |
| Total domestic deposits to total assets | 84.7743% | 2,482 |
| Equity capital to assets | 12.0636% | 1,625 |
| Core capital (leverage) ratio | 9.9533% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9587% | 2,196 |
| Memoranda: | ||
| Average total assets | $12,654,010,000 | 130 |
| Average earning assets | $11,554,802,333 | 129 |
| Average equity | $1,646,252,333 | 127 |
| Average total loans | $9,349,239,667 | 126 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 4,004 |
| Cost of funding earning assets | 0.2204% | 4,842 |
| Net interest margin | 3.6974% | 2,329 |
| Noninterest income to average assets | 1.0058% | 852 |
| Noninterest expense to average assets | 3.0890% | 1,667 |
| Loan and lease loss provision to assets | 0.9545% | 225 |
| Net operating income to assets | 0.2848% | 4,374 |
| Return on assets (ROA) | 0.2883% | 4,392 |
| Pretax return on assets | 0.3342% | 4,396 |
| Return on Equity (ROE) | 2.1260% | 4,417 |
| Retained earnings to average equity (ytd only) | 2.1260% | 3,396 |
| Net charge-offs to loans | 0.0779% | 1,245 |
| Credit loss provision to net charge-offs | 1,625.9238% | 398 |
| Earnings coverage of net charge-offs (x) | 21.8823% | 1,377 |
| Efficiency ratio | 70.0917% | 2,338 |
| Assets per employee ($millions) | 6.9177% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,664 |
| Loan loss allowance to noncurrent loans | 222.3404% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 2,856 |
| Noncurrent loans to loans | 0.5404% | 2,642 |
| Net loans and leases to total assets | 72.7191% | 1,817 |
| Net loans and leases to deposits | 86.8883% | 1,891 |
| Net loans and leases to core deposits | 87.5455% | 2,561 |
| Total domestic deposits to total assets | 83.6927% | 2,888 |
| Equity capital to assets | 13.4249% | 1,253 |
| Core capital (leverage) ratio | 11.2346% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5206% | 2,470 |
| Memoranda: | ||
| Average total assets | $11,985,023,500 | 130 |
| Average earning assets | $10,916,396,500 | 130 |
| Average equity | $1,625,412,500 | 128 |
| Average total loans | $9,032,560,000 | 126 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,625 |
| Cost of funding earning assets | 0.3214% | 4,679 |
| Net interest margin | 3.9469% | 2,011 |
| Noninterest income to average assets | 1.5722% | 376 |
| Noninterest expense to average assets | 3.6225% | 835 |
| Loan and lease loss provision to assets | 0.0549% | 2,930 |
| Net operating income to assets | 1.1665% | 2,190 |
| Return on assets (ROA) | 1.1804% | 2,233 |
| Pretax return on assets | 1.5257% | 1,728 |
| Return on Equity (ROE) | 8.8558% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.8558% | 748 |
| Net charge-offs to loans | 0.0520% | 2,372 |
| Credit loss provision to net charge-offs | 135.2512% | 1,895 |
| Earnings coverage of net charge-offs (x) | 38.4987% | 1,351 |
| Efficiency ratio | 69.2628% | 2,280 |
| Assets per employee ($millions) | 6.4425% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 3,893 |
| Loan loss allowance to noncurrent loans | 188.0000% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 2,907 |
| Noncurrent loans to loans | 0.4874% | 2,729 |
| Net loans and leases to total assets | 76.5276% | 1,323 |
| Net loans and leases to deposits | 92.9670% | 1,262 |
| Net loans and leases to core deposits | 93.7895% | 2,084 |
| Total domestic deposits to total assets | 82.3169% | 3,416 |
| Equity capital to assets | 13.7076% | 1,206 |
| Core capital (leverage) ratio | 11.4238% | 2,171 |
| Tier 1 risk-based capital ratio | 12.6026% | 4,011 |
| Total risk-based capital ratio | 13.5087% | 4,081 |
| Memoranda: | ||
| Average total assets | $11,473,209,600 | 128 |
| Average earning assets | $10,503,382,800 | 125 |
| Average equity | $1,529,299,400 | 128 |
| Average total loans | $8,954,257,200 | 119 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 3,591 |
| Cost of funding earning assets | 0.3400% | 4,689 |
| Net interest margin | 3.9815% | 2,011 |
| Noninterest income to average assets | 1.5514% | 378 |
| Noninterest expense to average assets | 3.6056% | 842 |
| Loan and lease loss provision to assets | 0.0525% | 2,858 |
| Net operating income to assets | 1.1942% | 2,215 |
| Return on assets (ROA) | 1.2128% | 2,221 |
| Pretax return on assets | 1.5626% | 1,774 |
| Return on Equity (ROE) | 9.1650% | 2,819 |
| Retained earnings to average equity (ytd only) | 9.1650% | 1,001 |
| Net charge-offs to loans | 0.0318% | 2,437 |
| Credit loss provision to net charge-offs | 210.9705% | 1,252 |
| Earnings coverage of net charge-offs (x) | 63.9906% | 1,021 |
| Efficiency ratio | 68.7804% | 2,293 |
| Assets per employee ($millions) | 6.4501% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 3,949 |
| Loan loss allowance to noncurrent loans | 178.5458% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 2,891 |
| Noncurrent loans to loans | 0.5176% | 2,737 |
| Net loans and leases to total assets | 77.3530% | 1,254 |
| Net loans and leases to deposits | 94.3421% | 1,190 |
| Net loans and leases to core deposits | 95.2038% | 2,065 |
| Total domestic deposits to total assets | 81.9920% | 3,478 |
| Equity capital to assets | 13.8330% | 1,219 |
| Core capital (leverage) ratio | 11.1695% | 2,495 |
| Tier 1 risk-based capital ratio | 12.3056% | 4,257 |
| Total risk-based capital ratio | 13.2207% | 4,317 |
| Memoranda: | ||
| Average total assets | $11,434,316,500 | 129 |
| Average earning assets | $10,470,348,500 | 125 |
| Average equity | $1,513,118,000 | 129 |
| Average total loans | $8,947,441,250 | 118 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 3,564 |
| Cost of funding earning assets | 0.3471% | 4,690 |
| Net interest margin | 3.9777% | 1,994 |
| Noninterest income to average assets | 1.6127% | 353 |
| Noninterest expense to average assets | 3.6515% | 796 |
| Loan and lease loss provision to assets | 0.0789% | 2,245 |
| Net operating income to assets | 1.1668% | 2,271 |
| Return on assets (ROA) | 1.1948% | 2,228 |
| Pretax return on assets | 1.5588% | 1,671 |
| Return on Equity (ROE) | 9.1683% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.1683% | 984 |
| Net charge-offs to loans | 0.0558% | 1,845 |
| Credit loss provision to net charge-offs | 180.5054% | 1,313 |
| Earnings coverage of net charge-offs (x) | 36.6671% | 1,300 |
| Efficiency ratio | 68.9107% | 2,392 |
| Assets per employee ($millions) | 6.3790% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,028 |
| Loan loss allowance to noncurrent loans | 251.3363% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 3,412 |
| Noncurrent loans to loans | 0.3643% | 3,221 |
| Net loans and leases to total assets | 77.6539% | 1,282 |
| Net loans and leases to deposits | 94.4878% | 1,206 |
| Net loans and leases to core deposits | 95.9455% | 2,077 |
| Total domestic deposits to total assets | 82.1841% | 3,462 |
| Equity capital to assets | 13.4140% | 1,370 |
| Core capital (leverage) ratio | 10.9351% | 2,657 |
| Tier 1 risk-based capital ratio | 11.8317% | 4,510 |
| Total risk-based capital ratio | 12.7314% | 4,589 |
| Memoranda: | ||
| Average total assets | $11,410,090,330 | 131 |
| Average earning assets | $10,444,451,670 | 127 |
| Average equity | $1,486,903,330 | 129 |
| Average total loans | $8,935,246,670 | 119 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 3,479 |
| Cost of funding earning assets | 0.3394% | 4,708 |
| Net interest margin | 3.9864% | 1,886 |
| Noninterest income to average assets | 1.7049% | 311 |
| Noninterest expense to average assets | 3.7416% | 703 |
| Loan and lease loss provision to assets | 0.1057% | 1,683 |
| Net operating income to assets | 1.1617% | 2,207 |
| Return on assets (ROA) | 1.1631% | 2,255 |
| Pretax return on assets | 1.5048% | 1,749 |
| Return on Equity (ROE) | 9.0604% | 2,781 |
| Retained earnings to average equity (ytd only) | 9.0604% | 1,300 |
| Net charge-offs to loans | 0.0523% | 1,540 |
| Credit loss provision to net charge-offs | 258.1756% | 906 |
| Earnings coverage of net charge-offs (x) | 39.3003% | 1,166 |
| Efficiency ratio | 69.3482% | 2,448 |
| Assets per employee ($millions) | 6.3340% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,053 |
| Loan loss allowance to noncurrent loans | 295.8541% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,632 |
| Noncurrent loans to loans | 0.3125% | 3,447 |
| Net loans and leases to total assets | 78.0025% | 1,148 |
| Net loans and leases to deposits | 95.2937% | 1,033 |
| Net loans and leases to core deposits | 97.0710% | 1,849 |
| Total domestic deposits to total assets | 81.8548% | 3,761 |
| Equity capital to assets | 13.1375% | 1,376 |
| Core capital (leverage) ratio | 10.6595% | 2,885 |
| Tier 1 risk-based capital ratio | 11.7096% | 4,616 |
| Total risk-based capital ratio | 12.6248% | 4,707 |
| Memoranda: | ||
| Average total assets | $11,354,936,000 | 134 |
| Average earning assets | $10,383,413,500 | 129 |
| Average equity | $1,457,684,000 | 133 |
| Average total loans | $8,888,518,000 | 119 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,768 |
| Cost of funding earning assets | 0.2459% | 4,825 |
| Net interest margin | 3.8451% | 2,521 |
| Noninterest income to average assets | 1.5891% | 378 |
| Noninterest expense to average assets | 3.5554% | 925 |
| Loan and lease loss provision to assets | 0.1351% | 1,602 |
| Net operating income to assets | 1.1004% | 2,595 |
| Return on assets (ROA) | 1.1007% | 2,592 |
| Pretax return on assets | 1.4139% | 2,084 |
| Return on Equity (ROE) | 9.0320% | 2,978 |
| Retained earnings to average equity (ytd only) | 9.0320% | 849 |
| Net charge-offs to loans | 0.0998% | 1,764 |
| Credit loss provision to net charge-offs | 176.4843% | 1,597 |
| Earnings coverage of net charge-offs (x) | 20.2250% | 2,010 |
| Efficiency ratio | 68.9780% | 2,395 |
| Assets per employee ($millions) | 6.2484% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 4,112 |
| Loan loss allowance to noncurrent loans | 303.3397% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 3,664 |
| Noncurrent loans to loans | 0.3003% | 3,482 |
| Net loans and leases to total assets | 77.1203% | 1,424 |
| Net loans and leases to deposits | 93.1500% | 1,383 |
| Net loans and leases to core deposits | 95.0799% | 2,128 |
| Total domestic deposits to total assets | 82.7915% | 3,395 |
| Equity capital to assets | 12.5386% | 1,564 |
| Core capital (leverage) ratio | 10.3342% | 3,216 |
| Tier 1 risk-based capital ratio | 11.4538% | 4,742 |
| Total risk-based capital ratio | 12.3553% | 4,820 |
| Memoranda: | ||
| Average total assets | $11,174,799,800 | 127 |
| Average earning assets | $10,215,109,600 | 124 |
| Average equity | $1,361,851,200 | 135 |
| Average total loans | $8,569,702,800 | 118 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,864 |
| Cost of funding earning assets | 0.2296% | 4,890 |
| Net interest margin | 3.7912% | 2,681 |
| Noninterest income to average assets | 1.7148% | 350 |
| Noninterest expense to average assets | 3.5492% | 917 |
| Loan and lease loss provision to assets | 0.1378% | 1,452 |
| Net operating income to assets | 1.1608% | 2,408 |
| Return on assets (ROA) | 1.1612% | 2,409 |
| Pretax return on assets | 1.4946% | 1,915 |
| Return on Equity (ROE) | 9.5995% | 2,798 |
| Retained earnings to average equity (ytd only) | 9.5995% | 1,024 |
| Net charge-offs to loans | 0.0458% | 2,180 |
| Credit loss provision to net charge-offs | 393.7008% | 834 |
| Earnings coverage of net charge-offs (x) | 46.6104% | 1,227 |
| Efficiency ratio | 67.8352% | 2,567 |
| Assets per employee ($millions) | 6.2499% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,059 |
| Loan loss allowance to noncurrent loans | 274.3621% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 3,606 |
| Noncurrent loans to loans | 0.3451% | 3,421 |
| Net loans and leases to total assets | 77.1599% | 1,477 |
| Net loans and leases to deposits | 92.6759% | 1,539 |
| Net loans and leases to core deposits | 94.6433% | 2,237 |
| Total domestic deposits to total assets | 83.2578% | 3,215 |
| Equity capital to assets | 12.2422% | 1,744 |
| Core capital (leverage) ratio | 10.1464% | 3,473 |
| Tier 1 risk-based capital ratio | 11.3194% | 4,887 |
| Total risk-based capital ratio | 12.2479% | 4,933 |
| Memoranda: | ||
| Average total assets | $11,123,933,000 | 125 |
| Average earning assets | $10,170,448,750 | 123 |
| Average equity | $1,345,644,250 | 133 |
| Average total loans | $8,498,227,000 | 118 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 3,965 |
| Cost of funding earning assets | 0.2101% | 4,981 |
| Net interest margin | 3.7285% | 2,831 |
| Noninterest income to average assets | 1.7737% | 330 |
| Noninterest expense to average assets | 3.5351% | 952 |
| Loan and lease loss provision to assets | 0.1785% | 1,013 |
| Net operating income to assets | 1.1455% | 2,412 |
| Return on assets (ROA) | 1.1451% | 2,418 |
| Pretax return on assets | 1.4695% | 1,928 |
| Return on Equity (ROE) | 9.5048% | 2,800 |
| Retained earnings to average equity (ytd only) | 9.5048% | 1,072 |
| Net charge-offs to loans | 0.0301% | 2,257 |
| Credit loss provision to net charge-offs | 780.1418% | 508 |
| Earnings coverage of net charge-offs (x) | 72.0591% | 891 |
| Efficiency ratio | 67.5446% | 2,719 |
| Assets per employee ($millions) | 6.1748% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 4,056 |
| Loan loss allowance to noncurrent loans | 289.9565% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 3,750 |
| Noncurrent loans to loans | 0.3316% | 3,511 |
| Net loans and leases to total assets | 75.4581% | 1,724 |
| Net loans and leases to deposits | 90.5843% | 1,768 |
| Net loans and leases to core deposits | 92.3198% | 2,375 |
| Total domestic deposits to total assets | 83.3015% | 3,322 |
| Equity capital to assets | 11.9921% | 1,860 |
| Core capital (leverage) ratio | 10.0294% | 3,547 |
| Tier 1 risk-based capital ratio | 11.1412% | 4,977 |
| Total risk-based capital ratio | 12.0824% | 5,028 |
| Memoranda: | ||
| Average total assets | $11,094,464,670 | 122 |
| Average earning assets | $10,145,943,670 | 123 |
| Average equity | $1,336,647,000 | 130 |
| Average total loans | $8,419,596,670 | 117 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 4,186 |
| Cost of funding earning assets | 0.1730% | 5,146 |
| Net interest margin | 3.6369% | 3,043 |
| Noninterest income to average assets | 1.9027% | 288 |
| Noninterest expense to average assets | 3.4830% | 1,033 |
| Loan and lease loss provision to assets | 0.1382% | 1,367 |
| Net operating income to assets | 1.2552% | 1,786 |
| Return on assets (ROA) | 1.2549% | 1,801 |
| Pretax return on assets | 1.6072% | 1,377 |
| Return on Equity (ROE) | 10.3911% | 2,235 |
| Retained earnings to average equity (ytd only) | 10.3911% | 1,044 |
| Net charge-offs to loans | 0.0624% | 1,484 |
| Credit loss provision to net charge-offs | 292.7581% | 834 |
| Earnings coverage of net charge-offs (x) | 36.9707% | 1,110 |
| Efficiency ratio | 65.9679% | 3,159 |
| Assets per employee ($millions) | 6.1793% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,404 |
| Loan loss allowance to noncurrent loans | 359.0281% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 4,123 |
| Noncurrent loans to loans | 0.2533% | 3,853 |
| Net loans and leases to total assets | 75.0854% | 1,697 |
| Net loans and leases to deposits | 93.1077% | 1,318 |
| Net loans and leases to core deposits | 94.2766% | 2,114 |
| Total domestic deposits to total assets | 80.6436% | 4,286 |
| Equity capital to assets | 11.9804% | 1,805 |
| Core capital (leverage) ratio | 9.8529% | 3,709 |
| Tier 1 risk-based capital ratio | 11.1715% | 5,043 |
| Total risk-based capital ratio | 12.0714% | 5,130 |
| Memoranda: | ||
| Average total assets | $10,994,868,000 | 121 |
| Average earning assets | $10,055,460,000 | 121 |
| Average equity | $1,327,795,500 | 130 |
| Average total loans | $8,327,034,500 | 119 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,483 |
| Cost of funding earning assets | 0.0721% | 5,572 |
| Net interest margin | 3.5664% | 3,280 |
| Noninterest income to average assets | 1.7898% | 350 |
| Noninterest expense to average assets | 3.7521% | 737 |
| Loan and lease loss provision to assets | 0.0555% | 3,121 |
| Net operating income to assets | 0.7623% | 3,336 |
| Return on assets (ROA) | 0.8319% | 3,060 |
| Pretax return on assets | 1.3534% | 2,158 |
| Return on Equity (ROE) | 6.7045% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.7045% | 1,191 |
| Net charge-offs to loans | 0.0235% | 3,337 |
| Credit loss provision to net charge-offs | 309.0037% | 918 |
| Earnings coverage of net charge-offs (x) | 72.3655% | 828 |
| Efficiency ratio | 73.6048% | 1,960 |
| Assets per employee ($millions) | 6.1569% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 4,472 |
| Loan loss allowance to noncurrent loans | 397.4633% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 4,269 |
| Noncurrent loans to loans | 0.2265% | 3,996 |
| Net loans and leases to total assets | 75.0143% | 1,750 |
| Net loans and leases to deposits | 92.3130% | 1,480 |
| Net loans and leases to core deposits | 93.1382% | 2,271 |
| Total domestic deposits to total assets | 81.2608% | 4,059 |
| Equity capital to assets | 12.1748% | 1,720 |
| Core capital (leverage) ratio | 9.7886% | 3,711 |
| Tier 1 risk-based capital ratio | 11.0872% | 5,096 |
| Total risk-based capital ratio | 11.9767% | 5,179 |
| Memoranda: | ||
| Average total assets | $10,447,112,400 | 118 |
| Average earning assets | $9,556,931,600 | 119 |
| Average equity | $1,296,273,800 | 125 |
| Average total loans | $7,980,393,800 | 115 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 4,555 |
| Cost of funding earning assets | 0.0596% | 5,661 |
| Net interest margin | 3.5420% | 3,345 |
| Noninterest income to average assets | 1.8559% | 346 |
| Noninterest expense to average assets | 3.7129% | 758 |
| Loan and lease loss provision to assets | 0.0542% | 3,009 |
| Net operating income to assets | 0.8966% | 3,045 |
| Return on assets (ROA) | 0.9947% | 2,630 |
| Pretax return on assets | 1.4774% | 1,856 |
| Return on Equity (ROE) | 7.9773% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.9773% | 1,233 |
| Net charge-offs to loans | -0.0027% | 4,355 |
| Credit loss provision to net charge-offs | -2,641.5094% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1712% | 2,183 |
| Assets per employee ($millions) | 6.0907% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 4,496 |
| Loan loss allowance to noncurrent loans | 344.1690% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 4,283 |
| Noncurrent loans to loans | 0.2656% | 4,009 |
| Net loans and leases to total assets | 75.3047% | 1,707 |
| Net loans and leases to deposits | 91.4217% | 1,635 |
| Net loans and leases to core deposits | 92.2435% | 2,414 |
| Total domestic deposits to total assets | 82.3706% | 3,663 |
| Equity capital to assets | 12.3924% | 1,723 |
| Core capital (leverage) ratio | 9.9014% | 3,694 |
| Tier 1 risk-based capital ratio | 11.1698% | 5,143 |
| Total risk-based capital ratio | 12.0708% | 5,249 |
| Memoranda: | ||
| Average total assets | $10,340,616,000 | 119 |
| Average earning assets | $9,465,314,250 | 118 |
| Average equity | $1,289,398,500 | 124 |
| Average total loans | $7,917,871,000 | 114 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 4,613 |
| Cost of funding earning assets | 0.0501% | 5,721 |
| Net interest margin | 3.5079% | 3,369 |
| Noninterest income to average assets | 1.9620% | 321 |
| Noninterest expense to average assets | 3.8089% | 661 |
| Loan and lease loss provision to assets | 0.0431% | 3,135 |
| Net operating income to assets | 0.8847% | 2,992 |
| Return on assets (ROA) | 0.8902% | 3,019 |
| Pretax return on assets | 1.3252% | 2,286 |
| Return on Equity (ROE) | 7.1238% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.1238% | 1,530 |
| Net charge-offs to loans | -0.0519% | 5,189 |
| Credit loss provision to net charge-offs | -108.0550% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0404% | 2,178 |
| Assets per employee ($millions) | 5.9208% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,530 |
| Loan loss allowance to noncurrent loans | 331.2297% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,683 |
| Noncurrent loans to loans | 0.2798% | 4,036 |
| Net loans and leases to total assets | 75.2243% | 1,659 |
| Net loans and leases to deposits | 89.8948% | 1,742 |
| Net loans and leases to core deposits | 90.5497% | 2,473 |
| Total domestic deposits to total assets | 83.6803% | 3,332 |
| Equity capital to assets | 12.3261% | 1,716 |
| Core capital (leverage) ratio | 9.8419% | 3,726 |
| Tier 1 risk-based capital ratio | 10.8082% | 5,338 |
| Total risk-based capital ratio | 11.7079% | 5,404 |
| Memoranda: | ||
| Average total assets | $10,210,240,330 | 119 |
| Average earning assets | $9,334,424,000 | 118 |
| Average equity | $1,275,890,330 | 124 |
| Average total loans | $7,838,478,330 | 113 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 4,702 |
| Cost of funding earning assets | 0.0427% | 5,801 |
| Net interest margin | 3.4533% | 3,437 |
| Noninterest income to average assets | 2.1997% | 276 |
| Noninterest expense to average assets | 3.8673% | 628 |
| Loan and lease loss provision to assets | 0.0399% | 3,007 |
| Net operating income to assets | 0.9909% | 2,346 |
| Return on assets (ROA) | 0.9997% | 2,353 |
| Pretax return on assets | 1.4597% | 1,666 |
| Return on Equity (ROE) | 7.9434% | 2,952 |
| Retained earnings to average equity (ytd only) | 7.9434% | 1,484 |
| Net charge-offs to loans | 0.0048% | 2,811 |
| Credit loss provision to net charge-offs | 1,075.2688% | 291 |
| Earnings coverage of net charge-offs (x) | 400.7204% | 144 |
| Efficiency ratio | 71.6266% | 2,644 |
| Assets per employee ($millions) | 5.7803% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 4,701 |
| Loan loss allowance to noncurrent loans | 305.7849% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 3,693 |
| Noncurrent loans to loans | 0.2989% | 4,046 |
| Net loans and leases to total assets | 75.1621% | 1,548 |
| Net loans and leases to deposits | 87.9271% | 1,810 |
| Net loans and leases to core deposits | 88.2692% | 2,523 |
| Total domestic deposits to total assets | 85.4822% | 2,891 |
| Equity capital to assets | 12.4464% | 1,574 |
| Core capital (leverage) ratio | 9.9797% | 3,522 |
| Tier 1 risk-based capital ratio | 10.8818% | 5,372 |
| Total risk-based capital ratio | 11.7644% | 5,460 |
| Memoranda: | ||
| Average total assets | $10,028,114,000 | 117 |
| Average earning assets | $9,159,135,500 | 117 |
| Average equity | $1,262,124,000 | 123 |
| Average total loans | $7,743,211,500 | 113 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 5,070 |
| Cost of funding earning assets | 0.0625% | 5,815 |
| Net interest margin | 3.2902% | 4,170 |
| Noninterest income to average assets | 1.7083% | 415 |
| Noninterest expense to average assets | 3.7422% | 833 |
| Loan and lease loss provision to assets | 0.0801% | 2,759 |
| Net operating income to assets | 0.6363% | 4,063 |
| Return on assets (ROA) | 0.6382% | 4,160 |
| Pretax return on assets | 0.8876% | 3,886 |
| Return on Equity (ROE) | 5.1141% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.1141% | 2,274 |
| Net charge-offs to loans | 0.0433% | 3,170 |
| Credit loss provision to net charge-offs | 245.9527% | 1,178 |
| Earnings coverage of net charge-offs (x) | 29.6264% | 1,442 |
| Efficiency ratio | 78.8718% | 1,570 |
| Assets per employee ($millions) | 5.5223% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,744 |
| Loan loss allowance to noncurrent loans | 307.9907% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,750 |
| Noncurrent loans to loans | 0.2957% | 4,089 |
| Net loans and leases to total assets | 77.9213% | 1,206 |
| Net loans and leases to deposits | 93.0443% | 1,292 |
| Net loans and leases to core deposits | 93.4247% | 2,167 |
| Total domestic deposits to total assets | 83.7465% | 3,522 |
| Equity capital to assets | 12.7318% | 1,380 |
| Core capital (leverage) ratio | 9.8011% | 3,748 |
| Tier 1 risk-based capital ratio | 10.6915% | 5,489 |
| Total risk-based capital ratio | 11.5578% | 5,597 |
| Memoranda: | ||
| Average total assets | $9,860,469,000 | 116 |
| Average earning assets | $8,987,376,000 | 115 |
| Average equity | $1,230,471,000 | 122 |
| Average total loans | $7,424,315,600 | 114 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3212% | 5,183 |
| Cost of funding earning assets | 0.0566% | 5,892 |
| Net interest margin | 3.2646% | 4,294 |
| Noninterest income to average assets | 1.6650% | 447 |
| Noninterest expense to average assets | 3.6849% | 871 |
| Loan and lease loss provision to assets | 0.0709% | 2,794 |
| Net operating income to assets | 0.6324% | 4,160 |
| Return on assets (ROA) | 0.6338% | 4,278 |
| Pretax return on assets | 0.8873% | 4,023 |
| Return on Equity (ROE) | 5.1049% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.1049% | 2,754 |
| Net charge-offs to loans | 0.0086% | 3,625 |
| Credit loss provision to net charge-offs | 1,102.9412% | 373 |
| Earnings coverage of net charge-offs (x) | 148.7901% | 466 |
| Efficiency ratio | 78.7706% | 1,586 |
| Assets per employee ($millions) | 5.6496% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,789 |
| Loan loss allowance to noncurrent loans | 287.1726% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 3,863 |
| Noncurrent loans to loans | 0.3215% | 4,100 |
| Net loans and leases to total assets | 75.6691% | 1,579 |
| Net loans and leases to deposits | 89.2049% | 1,856 |
| Net loans and leases to core deposits | 89.8824% | 2,588 |
| Total domestic deposits to total assets | 84.8262% | 2,882 |
| Equity capital to assets | 12.5608% | 1,741 |
| Core capital (leverage) ratio | 9.6548% | 3,994 |
| Tier 1 risk-based capital ratio | 10.6834% | 5,532 |
| Total risk-based capital ratio | 11.5651% | 5,624 |
| Memoranda: | ||
| Average total assets | $9,875,071,000 | 113 |
| Average earning assets | $9,002,584,000 | 112 |
| Average equity | $1,226,094,750 | 121 |
| Average total loans | $7,353,373,250 | 115 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 5,246 |
| Cost of funding earning assets | 0.0580% | 5,971 |
| Net interest margin | 3.2617% | 4,342 |
| Noninterest income to average assets | 1.6567% | 454 |
| Noninterest expense to average assets | 3.7014% | 883 |
| Loan and lease loss provision to assets | 0.0863% | 2,417 |
| Net operating income to assets | 0.5948% | 4,299 |
| Return on assets (ROA) | 0.5966% | 4,410 |
| Pretax return on assets | 0.8447% | 4,144 |
| Return on Equity (ROE) | 4.8237% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.8237% | 2,854 |
| Net charge-offs to loans | 0.0382% | 2,692 |
| Credit loss provision to net charge-offs | 305.9755% | 942 |
| Earnings coverage of net charge-offs (x) | 32.9071% | 1,324 |
| Efficiency ratio | 79.3275% | 1,584 |
| Assets per employee ($millions) | 5.6090% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,893 |
| Loan loss allowance to noncurrent loans | 282.3785% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 3,992 |
| Noncurrent loans to loans | 0.3253% | 4,201 |
| Net loans and leases to total assets | 73.5558% | 1,924 |
| Net loans and leases to deposits | 86.4733% | 2,191 |
| Net loans and leases to core deposits | 87.1886% | 2,799 |
| Total domestic deposits to total assets | 85.0618% | 2,849 |
| Equity capital to assets | 12.3307% | 1,882 |
| Core capital (leverage) ratio | 9.5215% | 4,180 |
| Tier 1 risk-based capital ratio | 10.6974% | 5,579 |
| Total risk-based capital ratio | 11.5716% | 5,663 |
| Memoranda: | ||
| Average total assets | $9,844,778,330 | 113 |
| Average earning assets | $8,974,298,330 | 112 |
| Average equity | $1,217,525,670 | 120 |
| Average total loans | $7,267,358,000 | 115 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,215 |
| Cost of funding earning assets | 0.0589% | 6,028 |
| Net interest margin | 3.2960% | 4,238 |
| Noninterest income to average assets | 1.6870% | 428 |
| Noninterest expense to average assets | 3.7240% | 868 |
| Loan and lease loss provision to assets | 0.0144% | 3,506 |
| Net operating income to assets | 0.6725% | 3,865 |
| Return on assets (ROA) | 0.6725% | 3,985 |
| Pretax return on assets | 0.9560% | 3,642 |
| Return on Equity (ROE) | 5.4293% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.4293% | 2,696 |
| Net charge-offs to loans | 0.0207% | 2,523 |
| Credit loss provision to net charge-offs | 94.0860% | 1,727 |
| Earnings coverage of net charge-offs (x) | 63.6210% | 745 |
| Efficiency ratio | 78.7232% | 1,798 |
| Assets per employee ($millions) | 5.7193% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 5,032 |
| Loan loss allowance to noncurrent loans | 359.1181% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 4,285 |
| Noncurrent loans to loans | 0.2531% | 4,526 |
| Net loans and leases to total assets | 71.9436% | 2,047 |
| Net loans and leases to deposits | 84.5091% | 2,250 |
| Net loans and leases to core deposits | 85.2356% | 2,820 |
| Total domestic deposits to total assets | 85.1312% | 3,073 |
| Equity capital to assets | 12.2825% | 1,841 |
| Core capital (leverage) ratio | 9.5616% | 4,091 |
| Tier 1 risk-based capital ratio | 10.9023% | 5,551 |
| Total risk-based capital ratio | 11.7673% | 5,656 |
| Memoranda: | ||
| Average total assets | $9,755,565,500 | 115 |
| Average earning assets | $8,901,415,500 | 112 |
| Average equity | $1,208,323,500 | 121 |
| Average total loans | $7,180,533,500 | 114 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 5,510 |
| Cost of funding earning assets | 0.0661% | 6,078 |
| Net interest margin | 3.1421% | 4,798 |
| Noninterest income to average assets | 1.5789% | 508 |
| Noninterest expense to average assets | 3.4643% | 1,359 |
| Loan and lease loss provision to assets | -0.0034% | 5,601 |
| Net operating income to assets | 0.6524% | 4,027 |
| Return on assets (ROA) | 0.6520% | 4,125 |
| Pretax return on assets | 0.9865% | 3,523 |
| Return on Equity (ROE) | 5.3809% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.3809% | 2,146 |
| Net charge-offs to loans | -0.0250% | 5,340 |
| Credit loss provision to net charge-offs | 18.6567% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2528% | 2,081 |
| Assets per employee ($millions) | 5.5041% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 5,025 |
| Loan loss allowance to noncurrent loans | 386.0890% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 4,267 |
| Noncurrent loans to loans | 0.2371% | 4,576 |
| Net loans and leases to total assets | 73.9573% | 1,738 |
| Net loans and leases to deposits | 86.9920% | 2,004 |
| Net loans and leases to core deposits | 87.8218% | 2,620 |
| Total domestic deposits to total assets | 85.0163% | 3,088 |
| Equity capital to assets | 12.4931% | 1,630 |
| Core capital (leverage) ratio | 9.4870% | 4,190 |
| Tier 1 risk-based capital ratio | 10.7509% | 5,644 |
| Total risk-based capital ratio | 11.6169% | 5,757 |
| Memoranda: | ||
| Average total assets | $9,633,724,600 | 114 |
| Average earning assets | $8,797,094,800 | 113 |
| Average equity | $1,167,317,400 | 119 |
| Average total loans | $6,959,303,000 | 111 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2021% | 5,580 |
| Cost of funding earning assets | 0.0707% | 6,151 |
| Net interest margin | 3.1314% | 4,875 |
| Noninterest income to average assets | 1.5894% | 504 |
| Noninterest expense to average assets | 3.4086% | 1,464 |
| Loan and lease loss provision to assets | -0.0131% | 5,826 |
| Net operating income to assets | 0.6976% | 3,909 |
| Return on assets (ROA) | 0.6970% | 4,024 |
| Pretax return on assets | 1.0536% | 3,396 |
| Return on Equity (ROE) | 5.7969% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.7969% | 2,368 |
| Net charge-offs to loans | -0.0383% | 5,447 |
| Credit loss provision to net charge-offs | 47.9072% | 3,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9933% | 2,254 |
| Assets per employee ($millions) | 5.6395% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 5,122 |
| Loan loss allowance to noncurrent loans | 360.8534% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 4,394 |
| Noncurrent loans to loans | 0.2550% | 4,662 |
| Net loans and leases to total assets | 73.0410% | 1,900 |
| Net loans and leases to deposits | 85.8262% | 2,164 |
| Net loans and leases to core deposits | 86.8790% | 2,765 |
| Total domestic deposits to total assets | 85.1034% | 2,968 |
| Equity capital to assets | 12.3081% | 1,870 |
| Core capital (leverage) ratio | 9.2907% | 4,597 |
| Tier 1 risk-based capital ratio | 10.2502% | 5,964 |
| Total risk-based capital ratio | 11.0786% | 6,054 |
| Memoranda: | ||
| Average total assets | $9,645,134,500 | 116 |
| Average earning assets | $8,810,704,750 | 114 |
| Average equity | $1,159,684,500 | 123 |
| Average total loans | $6,909,980,500 | 113 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2112% | 5,604 |
| Cost of funding earning assets | 0.0751% | 6,209 |
| Net interest margin | 3.1361% | 4,865 |
| Noninterest income to average assets | 1.6678% | 479 |
| Noninterest expense to average assets | 3.4086% | 1,457 |
| Loan and lease loss provision to assets | -0.0052% | 5,946 |
| Net operating income to assets | 0.7398% | 3,687 |
| Return on assets (ROA) | 0.7409% | 3,788 |
| Pretax return on assets | 1.1318% | 3,043 |
| Return on Equity (ROE) | 6.2104% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.2104% | 2,107 |
| Net charge-offs to loans | -0.0895% | 5,745 |
| Credit loss provision to net charge-offs | 8.1460% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6200% | 2,589 |
| Assets per employee ($millions) | 5.9340% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 5,017 |
| Loan loss allowance to noncurrent loans | 351.3945% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 4,473 |
| Noncurrent loans to loans | 0.2753% | 4,685 |
| Net loans and leases to total assets | 69.6058% | 2,380 |
| Net loans and leases to deposits | 84.0509% | 2,307 |
| Net loans and leases to core deposits | 85.2061% | 2,856 |
| Total domestic deposits to total assets | 82.8139% | 4,023 |
| Equity capital to assets | 11.8453% | 2,140 |
| Core capital (leverage) ratio | 9.2425% | 4,632 |
| Tier 1 risk-based capital ratio | 10.3785% | 5,962 |
| Total risk-based capital ratio | 11.2457% | 6,046 |
| Memoranda: | ||
| Average total assets | $9,660,694,000 | 117 |
| Average earning assets | $8,828,193,670 | 116 |
| Average equity | $1,152,450,000 | 126 |
| Average total loans | $6,854,667,000 | 115 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1789% | 5,679 |
| Cost of funding earning assets | 0.0813% | 6,262 |
| Net interest margin | 3.0977% | 4,963 |
| Noninterest income to average assets | 1.7294% | 438 |
| Noninterest expense to average assets | 3.4499% | 1,406 |
| Loan and lease loss provision to assets | -0.0940% | 6,201 |
| Net operating income to assets | 0.7924% | 3,305 |
| Return on assets (ROA) | 0.7925% | 3,436 |
| Pretax return on assets | 1.2016% | 2,658 |
| Return on Equity (ROE) | 6.6197% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.6197% | 2,179 |
| Net charge-offs to loans | -0.1907% | 6,047 |
| Credit loss provision to net charge-offs | 69.1457% | 1,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1394% | 2,640 |
| Assets per employee ($millions) | 5.8256% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 5,254 |
| Loan loss allowance to noncurrent loans | 339.0478% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 4,488 |
| Noncurrent loans to loans | 0.2798% | 4,780 |
| Net loans and leases to total assets | 70.3129% | 2,091 |
| Net loans and leases to deposits | 85.3500% | 1,913 |
| Net loans and leases to core deposits | 87.3364% | 2,396 |
| Total domestic deposits to total assets | 82.3818% | 4,389 |
| Equity capital to assets | 11.9622% | 2,054 |
| Core capital (leverage) ratio | 9.1899% | 4,735 |
| Tier 1 risk-based capital ratio | 10.2876% | 6,082 |
| Total risk-based capital ratio | 11.1404% | 6,157 |
| Memoranda: | ||
| Average total assets | $9,571,764,500 | 118 |
| Average earning assets | $8,738,026,500 | 116 |
| Average equity | $1,145,970,500 | 122 |
| Average total loans | $6,824,446,000 | 115 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9835% | 6,074 |
| Cost of funding earning assets | 0.0753% | 6,383 |
| Net interest margin | 2.9082% | 5,628 |
| Noninterest income to average assets | 1.6593% | 463 |
| Noninterest expense to average assets | 3.3725% | 1,759 |
| Loan and lease loss provision to assets | 0.0197% | 4,226 |
| Net operating income to assets | 0.6164% | 4,292 |
| Return on assets (ROA) | 0.6213% | 4,376 |
| Pretax return on assets | 0.9269% | 3,794 |
| Return on Equity (ROE) | 4.8528% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.8528% | 2,717 |
| Net charge-offs to loans | 0.0353% | 4,125 |
| Credit loss provision to net charge-offs | 85.6164% | 2,749 |
| Earnings coverage of net charge-offs (x) | 40.8410% | 1,069 |
| Efficiency ratio | 77.6982% | 2,252 |
| Assets per employee ($millions) | 5.6862% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 5,312 |
| Loan loss allowance to noncurrent loans | 305.4917% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 4,450 |
| Noncurrent loans to loans | 0.3090% | 4,734 |
| Net loans and leases to total assets | 70.9390% | 2,087 |
| Net loans and leases to deposits | 85.9770% | 1,991 |
| Net loans and leases to core deposits | 88.4122% | 2,457 |
| Total domestic deposits to total assets | 82.5094% | 4,244 |
| Equity capital to assets | 11.9828% | 2,027 |
| Core capital (leverage) ratio | 9.0529% | 4,902 |
| Tier 1 risk-based capital ratio | 10.5847% | 6,068 |
| Total risk-based capital ratio | 11.4745% | 6,147 |
| Memoranda: | ||
| Average total assets | $8,887,931,600 | 120 |
| Average earning assets | $8,106,113,000 | 118 |
| Average equity | $1,137,946,400 | 118 |
| Average total loans | $5,782,920,400 | 120 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9148% | 6,195 |
| Cost of funding earning assets | 0.0730% | 6,473 |
| Net interest margin | 2.8418% | 5,801 |
| Noninterest income to average assets | 1.7030% | 454 |
| Noninterest expense to average assets | 3.3034% | 1,892 |
| Loan and lease loss provision to assets | -0.0229% | 6,116 |
| Net operating income to assets | 0.6859% | 4,015 |
| Return on assets (ROA) | 0.6926% | 4,072 |
| Pretax return on assets | 1.0265% | 3,484 |
| Return on Equity (ROE) | 5.3169% | 4,569 |
| Retained earnings to average equity (ytd only) | 5.3169% | 2,873 |
| Net charge-offs to loans | 0.0417% | 3,664 |
| Credit loss provision to net charge-offs | -86.7553% | 5,431 |
| Earnings coverage of net charge-offs (x) | 37.6743% | 1,175 |
| Efficiency ratio | 76.3912% | 2,429 |
| Assets per employee ($millions) | 5.5524% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,983 |
| Loan loss allowance to noncurrent loans | 318.8944% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 4,549 |
| Noncurrent loans to loans | 0.3295% | 4,919 |
| Net loans and leases to total assets | 65.3493% | 2,977 |
| Net loans and leases to deposits | 80.0294% | 2,686 |
| Net loans and leases to core deposits | 81.3050% | 3,171 |
| Total domestic deposits to total assets | 81.6566% | 4,610 |
| Equity capital to assets | 13.2161% | 1,325 |
| Core capital (leverage) ratio | 10.3437% | 3,222 |
| Tier 1 risk-based capital ratio | 13.1921% | 4,732 |
| Total risk-based capital ratio | 14.1686% | 4,828 |
| Memoranda: | ||
| Average total assets | $8,740,183,250 | 120 |
| Average earning assets | $7,978,360,250 | 118 |
| Average equity | $1,138,472,250 | 116 |
| Average total loans | $5,531,565,000 | 125 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9183% | 6,245 |
| Cost of funding earning assets | 0.0738% | 6,536 |
| Net interest margin | 2.8445% | 5,828 |
| Noninterest income to average assets | 1.7303% | 432 |
| Noninterest expense to average assets | 3.3116% | 1,891 |
| Loan and lease loss provision to assets | -0.0688% | 6,331 |
| Net operating income to assets | 0.7010% | 3,837 |
| Return on assets (ROA) | 0.7119% | 3,869 |
| Pretax return on assets | 1.0955% | 3,120 |
| Return on Equity (ROE) | 5.4921% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.4921% | 2,640 |
| Net charge-offs to loans | 0.0379% | 3,465 |
| Credit loss provision to net charge-offs | -291.2621% | 5,461 |
| Earnings coverage of net charge-offs (x) | 42.7340% | 1,012 |
| Efficiency ratio | 76.1672% | 2,601 |
| Assets per employee ($millions) | 5.4343% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 5,019 |
| Loan loss allowance to noncurrent loans | 321.0630% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 4,689 |
| Noncurrent loans to loans | 0.3337% | 5,013 |
| Net loans and leases to total assets | 63.3044% | 3,195 |
| Net loans and leases to deposits | 77.2049% | 2,900 |
| Net loans and leases to core deposits | 78.4626% | 3,382 |
| Total domestic deposits to total assets | 81.9953% | 4,651 |
| Equity capital to assets | 13.0886% | 1,328 |
| Core capital (leverage) ratio | 10.2772% | 3,235 |
| Tier 1 risk-based capital ratio | 13.2839% | 4,729 |
| Total risk-based capital ratio | 14.2709% | 4,832 |
| Memoranda: | ||
| Average total assets | $8,716,358,330 | 120 |
| Average earning assets | $7,940,394,670 | 118 |
| Average equity | $1,129,778,330 | 116 |
| Average total loans | $5,435,586,330 | 128 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9024% | 6,324 |
| Cost of funding earning assets | 0.0749% | 6,616 |
| Net interest margin | 2.8275% | 5,881 |
| Noninterest income to average assets | 1.7973% | 399 |
| Noninterest expense to average assets | 3.2174% | 2,172 |
| Loan and lease loss provision to assets | 0.0461% | 3,175 |
| Net operating income to assets | 0.7307% | 3,539 |
| Return on assets (ROA) | 0.7397% | 3,567 |
| Pretax return on assets | 1.1213% | 2,807 |
| Return on Equity (ROE) | 5.7354% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.7354% | 2,676 |
| Net charge-offs to loans | 0.0420% | 2,796 |
| Credit loss provision to net charge-offs | 178.5714% | 1,127 |
| Earnings coverage of net charge-offs (x) | 44.6714% | 819 |
| Efficiency ratio | 73.1561% | 3,285 |
| Assets per employee ($millions) | 5.5275% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,619 |
| Loan loss allowance to noncurrent loans | 247.7904% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 4,531 |
| Noncurrent loans to loans | 0.4858% | 4,703 |
| Net loans and leases to total assets | 61.2615% | 3,350 |
| Net loans and leases to deposits | 74.9163% | 2,954 |
| Net loans and leases to core deposits | 76.1460% | 3,393 |
| Total domestic deposits to total assets | 81.7732% | 5,005 |
| Equity capital to assets | 13.0140% | 1,302 |
| Core capital (leverage) ratio | 10.2095% | 3,280 |
| Tier 1 risk-based capital ratio | 13.4906% | 4,685 |
| Total risk-based capital ratio | 14.5836% | 4,736 |
| Memoranda: | ||
| Average total assets | $8,672,726,500 | 122 |
| Average earning assets | $7,894,860,500 | 118 |
| Average equity | $1,118,530,000 | 117 |
| Average total loans | $5,336,667,000 | 130 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9115% | 6,417 |
| Cost of funding earning assets | 0.0853% | 6,701 |
| Net interest margin | 2.8262% | 5,937 |
| Noninterest income to average assets | 1.7753% | 476 |
| Noninterest expense to average assets | 3.3664% | 1,959 |
| Loan and lease loss provision to assets | -0.0755% | 6,443 |
| Net operating income to assets | 0.7158% | 3,715 |
| Return on assets (ROA) | 0.7163% | 3,800 |
| Pretax return on assets | 1.0538% | 3,142 |
| Return on Equity (ROE) | 5.7517% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.7517% | 2,135 |
| Net charge-offs to loans | 0.0042% | 5,396 |
| Credit loss provision to net charge-offs | -3,125.0000% | 6,351 |
| Earnings coverage of net charge-offs (x) | 404.7981% | 108 |
| Efficiency ratio | 76.9439% | 2,626 |
| Assets per employee ($millions) | 5.5453% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,557 |
| Loan loss allowance to noncurrent loans | 223.2599% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 4,562 |
| Noncurrent loans to loans | 0.5452% | 4,626 |
| Net loans and leases to total assets | 60.3155% | 3,657 |
| Net loans and leases to deposits | 73.8681% | 3,278 |
| Net loans and leases to core deposits | 75.0086% | 3,733 |
| Total domestic deposits to total assets | 81.6529% | 4,987 |
| Equity capital to assets | 12.7799% | 1,377 |
| Core capital (leverage) ratio | 9.9876% | 3,594 |
| Tier 1 risk-based capital ratio | 13.9548% | 4,323 |
| Total risk-based capital ratio | 15.1005% | 4,342 |
| Memoranda: | ||
| Average total assets | $8,611,998,200 | 122 |
| Average earning assets | $7,827,573,600 | 120 |
| Average equity | $1,072,467,400 | 121 |
| Average total loans | $4,929,933,600 | 135 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8767% | 6,507 |
| Cost of funding earning assets | 0.0885% | 6,786 |
| Net interest margin | 2.7882% | 6,035 |
| Noninterest income to average assets | 1.8020% | 482 |
| Noninterest expense to average assets | 3.2479% | 2,209 |
| Loan and lease loss provision to assets | -0.0465% | 6,547 |
| Net operating income to assets | 0.7374% | 3,663 |
| Return on assets (ROA) | 0.7432% | 3,758 |
| Pretax return on assets | 1.1437% | 2,929 |
| Return on Equity (ROE) | 6.0074% | 4,182 |
| Retained earnings to average equity (ytd only) | 6.0074% | 2,400 |
| Net charge-offs to loans | 0.0014% | 5,195 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,366 |
| Earnings coverage of net charge-offs (x) | 1,403.6547% | 22 |
| Efficiency ratio | 74.3445% | 3,002 |
| Assets per employee ($millions) | 5.6751% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,236 |
| Loan loss allowance to noncurrent loans | 179.2093% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 4,378 |
| Noncurrent loans to loans | 0.7425% | 4,363 |
| Net loans and leases to total assets | 57.9496% | 4,017 |
| Net loans and leases to deposits | 70.7392% | 3,679 |
| Net loans and leases to core deposits | 72.1328% | 4,072 |
| Total domestic deposits to total assets | 81.9200% | 4,959 |
| Equity capital to assets | 12.3632% | 1,662 |
| Core capital (leverage) ratio | 9.9406% | 3,754 |
| Tier 1 risk-based capital ratio | 14.4379% | 4,117 |
| Total risk-based capital ratio | 15.6880% | 4,078 |
| Memoranda: | ||
| Average total assets | $8,599,565,250 | 123 |
| Average earning assets | $7,815,943,500 | 121 |
| Average equity | $1,063,844,500 | 121 |
| Average total loans | $4,840,232,000 | 132 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8756% | 6,549 |
| Cost of funding earning assets | 0.0915% | 6,838 |
| Net interest margin | 2.7841% | 6,040 |
| Noninterest income to average assets | 1.8543% | 498 |
| Noninterest expense to average assets | 3.2395% | 2,239 |
| Loan and lease loss provision to assets | -0.0701% | 6,673 |
| Net operating income to assets | 0.7889% | 3,356 |
| Return on assets (ROA) | 0.7977% | 3,460 |
| Pretax return on assets | 1.2275% | 2,568 |
| Return on Equity (ROE) | 6.4467% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.4467% | 2,174 |
| Net charge-offs to loans | -0.0179% | 5,939 |
| Credit loss provision to net charge-offs | 707.5472% | 420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3355% | 3,252 |
| Assets per employee ($millions) | 5.4498% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 4,099 |
| Loan loss allowance to noncurrent loans | 146.9929% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 4,182 |
| Noncurrent loans to loans | 0.9434% | 4,040 |
| Net loans and leases to total assets | 56.8295% | 4,160 |
| Net loans and leases to deposits | 69.8917% | 3,729 |
| Net loans and leases to core deposits | 71.3672% | 4,126 |
| Total domestic deposits to total assets | 81.3108% | 5,259 |
| Equity capital to assets | 12.4539% | 1,605 |
| Core capital (leverage) ratio | 9.7644% | 3,843 |
| Tier 1 risk-based capital ratio | 14.4839% | 4,108 |
| Total risk-based capital ratio | 15.7188% | 4,082 |
| Memoranda: | ||
| Average total assets | $8,564,241,000 | 124 |
| Average earning assets | $7,779,740,000 | 121 |
| Average equity | $1,059,698,330 | 119 |
| Average total loans | $4,749,356,330 | 132 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9059% | 6,605 |
| Cost of funding earning assets | 0.0947% | 6,913 |
| Net interest margin | 2.8112% | 6,006 |
| Noninterest income to average assets | 1.9081% | 457 |
| Noninterest expense to average assets | 3.2409% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8016% | 3,160 |
| Return on assets (ROA) | 0.8073% | 3,252 |
| Pretax return on assets | 1.2235% | 2,493 |
| Return on Equity (ROE) | 6.5455% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.5455% | 2,391 |
| Net charge-offs to loans | -0.0457% | 6,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1586% | 3,583 |
| Assets per employee ($millions) | 5.5001% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,711 |
| Loan loss allowance to noncurrent loans | 147.4268% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 4,306 |
| Noncurrent loans to loans | 1.0356% | 4,068 |
| Net loans and leases to total assets | 54.0787% | 4,404 |
| Net loans and leases to deposits | 66.9336% | 3,923 |
| Net loans and leases to core deposits | 68.3642% | 4,258 |
| Total domestic deposits to total assets | 80.7945% | 5,551 |
| Equity capital to assets | 12.4431% | 1,745 |
| Core capital (leverage) ratio | 9.6004% | 3,926 |
| Tier 1 risk-based capital ratio | 14.5948% | 4,108 |
| Total risk-based capital ratio | 15.8468% | 4,070 |
| Memoranda: | ||
| Average total assets | $8,560,099,500 | 127 |
| Average earning assets | $7,758,235,000 | 124 |
| Average equity | $1,055,742,000 | 124 |
| Average total loans | $4,653,919,500 | 137 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 6,649 |
| Cost of funding earning assets | 0.1031% | 6,993 |
| Net interest margin | 3.1228% | 5,758 |
| Noninterest income to average assets | 1.6853% | 569 |
| Noninterest expense to average assets | 3.4480% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6923% | 3,772 |
| Return on assets (ROA) | 0.7541% | 3,737 |
| Pretax return on assets | 1.1606% | 2,950 |
| Return on Equity (ROE) | 6.0729% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.0729% | 2,034 |
| Net charge-offs to loans | 0.1551% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 13.2684% | 1,846 |
| Efficiency ratio | 75.5452% | 2,819 |
| Assets per employee ($millions) | 5.5062% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,571 |
| Loan loss allowance to noncurrent loans | 126.1379% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 4,206 |
| Noncurrent loans to loans | 1.2206% | 3,811 |
| Net loans and leases to total assets | 52.9918% | 4,760 |
| Net loans and leases to deposits | 65.3186% | 4,383 |
| Net loans and leases to core deposits | 66.7687% | 4,658 |
| Total domestic deposits to total assets | 81.1281% | 5,366 |
| Equity capital to assets | 12.2240% | 1,904 |
| Core capital (leverage) ratio | 9.4899% | 4,118 |
| Tier 1 risk-based capital ratio | 14.2641% | 4,191 |
| Total risk-based capital ratio | 15.5162% | 4,147 |
| Memoranda: | ||
| Average total assets | $8,103,966,200 | 128 |
| Average earning assets | $7,339,307,200 | 127 |
| Average equity | $1,006,256,000 | 128 |
| Average total loans | $4,197,223,200 | 145 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 6,731 |
| Cost of funding earning assets | 0.1069% | 7,104 |
| Net interest margin | 3.1876% | 5,724 |
| Noninterest income to average assets | 1.7490% | 512 |
| Noninterest expense to average assets | 3.4238% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7864% | 3,523 |
| Return on assets (ROA) | 0.8384% | 3,517 |
| Pretax return on assets | 1.2952% | 2,627 |
| Return on Equity (ROE) | 6.7237% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.7237% | 2,267 |
| Net charge-offs to loans | 0.1326% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 17.8867% | 1,601 |
| Efficiency ratio | 72.9112% | 3,163 |
| Assets per employee ($millions) | 5.4678% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 3,037 |
| Loan loss allowance to noncurrent loans | 130.9701% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 4,484 |
| Noncurrent loans to loans | 1.3225% | 3,827 |
| Net loans and leases to total assets | 51.0650% | 5,179 |
| Net loans and leases to deposits | 63.7192% | 4,752 |
| Net loans and leases to core deposits | 64.9095% | 5,062 |
| Total domestic deposits to total assets | 80.1406% | 5,614 |
| Equity capital to assets | 12.5751% | 1,837 |
| Core capital (leverage) ratio | 9.9440% | 3,622 |
| Tier 1 risk-based capital ratio | 15.2299% | 3,688 |
| Total risk-based capital ratio | 16.4833% | 3,635 |
| Memoranda: | ||
| Average total assets | $7,985,311,750 | 129 |
| Average earning assets | $7,239,874,250 | 128 |
| Average equity | $995,659,500 | 126 |
| Average total loans | $4,092,272,250 | 147 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3608% | 6,765 |
| Cost of funding earning assets | 0.1118% | 7,167 |
| Net interest margin | 3.2490% | 5,594 |
| Noninterest income to average assets | 1.8140% | 468 |
| Noninterest expense to average assets | 3.4669% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8507% | 3,137 |
| Return on assets (ROA) | 0.9044% | 3,163 |
| Pretax return on assets | 1.3708% | 2,321 |
| Return on Equity (ROE) | 7.2748% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.2748% | 1,965 |
| Net charge-offs to loans | 0.0341% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 74.0377% | 546 |
| Efficiency ratio | 71.9863% | 3,436 |
| Assets per employee ($millions) | 5.2720% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 2,700 |
| Loan loss allowance to noncurrent loans | 149.1293% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 4,704 |
| Noncurrent loans to loans | 1.2411% | 4,067 |
| Net loans and leases to total assets | 50.6225% | 5,277 |
| Net loans and leases to deposits | 62.5649% | 4,930 |
| Net loans and leases to core deposits | 63.9865% | 5,208 |
| Total domestic deposits to total assets | 80.9120% | 5,497 |
| Equity capital to assets | 12.4882% | 1,826 |
| Core capital (leverage) ratio | 9.8767% | 3,612 |
| Tier 1 risk-based capital ratio | 15.0566% | 3,733 |
| Total risk-based capital ratio | 16.3111% | 3,687 |
| Memoranda: | ||
| Average total assets | $7,924,120,330 | 129 |
| Average earning assets | $7,176,086,330 | 128 |
| Average equity | $985,130,670 | 125 |
| Average total loans | $4,041,375,670 | 145 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 6,826 |
| Cost of funding earning assets | 0.1182% | 7,229 |
| Net interest margin | 3.2695% | 5,575 |
| Noninterest income to average assets | 2.0223% | 403 |
| Noninterest expense to average assets | 3.6369% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8957% | 2,941 |
| Return on assets (ROA) | 0.9037% | 3,122 |
| Pretax return on assets | 1.3595% | 2,342 |
| Return on Equity (ROE) | 7.2860% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.2860% | 2,282 |
| Net charge-offs to loans | 0.0354% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 74.9858% | 449 |
| Efficiency ratio | 72.0976% | 3,421 |
| Assets per employee ($millions) | 5.2447% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 2,602 |
| Loan loss allowance to noncurrent loans | 138.6316% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 4,672 |
| Noncurrent loans to loans | 1.3887% | 4,029 |
| Net loans and leases to total assets | 49.7845% | 5,337 |
| Net loans and leases to deposits | 61.6988% | 4,962 |
| Net loans and leases to core deposits | 63.1227% | 5,211 |
| Total domestic deposits to total assets | 80.6896% | 5,680 |
| Equity capital to assets | 12.4981% | 1,719 |
| Core capital (leverage) ratio | 9.7647% | 3,692 |
| Tier 1 risk-based capital ratio | 15.1234% | 3,675 |
| Total risk-based capital ratio | 16.3785% | 3,633 |
| Memoranda: | ||
| Average total assets | $7,858,347,500 | 130 |
| Average earning assets | $7,119,029,500 | 129 |
| Average equity | $974,692,000 | 128 |
| Average total loans | $3,984,622,000 | 146 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 6,536 |
| Cost of funding earning assets | 0.2095% | 7,228 |
| Net interest margin | 3.7486% | 4,088 |
| Noninterest income to average assets | 1.6863% | 496 |
| Noninterest expense to average assets | 3.6928% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8721% | 2,728 |
| Return on assets (ROA) | 1.0973% | 1,962 |
| Pretax return on assets | 1.7072% | 975 |
| Return on Equity (ROE) | 9.1127% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.1127% | 773 |
| Net charge-offs to loans | 0.2787% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 9.5291% | 1,965 |
| Efficiency ratio | 72.0518% | 3,569 |
| Assets per employee ($millions) | 5.1232% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 2,396 |
| Loan loss allowance to noncurrent loans | 133.1086% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 4,698 |
| Noncurrent loans to loans | 1.4731% | 3,948 |
| Net loans and leases to total assets | 49.6556% | 5,634 |
| Net loans and leases to deposits | 61.6211% | 5,288 |
| Net loans and leases to core deposits | 63.1321% | 5,549 |
| Total domestic deposits to total assets | 80.5822% | 5,567 |
| Equity capital to assets | 12.3073% | 1,903 |
| Core capital (leverage) ratio | 9.3528% | 4,248 |
| Tier 1 risk-based capital ratio | 14.7916% | 3,764 |
| Total risk-based capital ratio | 16.0472% | 3,744 |
| Memoranda: | ||
| Average total assets | $7,695,208,800 | 130 |
| Average earning assets | $6,901,913,800 | 131 |
| Average equity | $926,588,800 | 127 |
| Average total loans | $3,927,713,000 | 142 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 6,442 |
| Cost of funding earning assets | 0.2293% | 7,299 |
| Net interest margin | 3.8569% | 3,580 |
| Noninterest income to average assets | 1.7087% | 476 |
| Noninterest expense to average assets | 3.7776% | 1,340 |
| Loan and lease loss provision to assets | 0.0522% | 5,797 |
| Net operating income to assets | 0.8555% | 2,919 |
| Return on assets (ROA) | 1.1434% | 1,951 |
| Pretax return on assets | 1.7807% | 990 |
| Return on Equity (ROE) | 9.5498% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.5498% | 968 |
| Net charge-offs to loans | 0.2812% | 3,676 |
| Credit loss provision to net charge-offs | 36.2845% | 5,319 |
| Earnings coverage of net charge-offs (x) | 9.6200% | 2,024 |
| Efficiency ratio | 72.1132% | 3,532 |
| Assets per employee ($millions) | 5.0516% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1164% | 2,032 |
| Loan loss allowance to noncurrent loans | 130.2830% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 4,785 |
| Noncurrent loans to loans | 1.6245% | 3,862 |
| Net loans and leases to total assets | 49.1240% | 5,822 |
| Net loans and leases to deposits | 61.2634% | 5,481 |
| Net loans and leases to core deposits | 62.8051% | 5,735 |
| Total domestic deposits to total assets | 80.1849% | 5,677 |
| Equity capital to assets | 12.2049% | 2,096 |
| Core capital (leverage) ratio | 9.3660% | 4,355 |
| Tier 1 risk-based capital ratio | 14.5138% | 3,969 |
| Total risk-based capital ratio | 15.7707% | 3,939 |
| Memoranda: | ||
| Average total assets | $7,665,782,000 | 131 |
| Average earning assets | $6,861,449,500 | 131 |
| Average equity | $917,845,750 | 128 |
| Average total loans | $3,920,354,500 | 143 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 6,205 |
| Cost of funding earning assets | 0.2491% | 7,362 |
| Net interest margin | 3.9869% | 2,903 |
| Noninterest income to average assets | 1.8820% | 392 |
| Noninterest expense to average assets | 3.9903% | 1,068 |
| Loan and lease loss provision to assets | 0.2103% | 3,810 |
| Net operating income to assets | 0.8364% | 2,918 |
| Return on assets (ROA) | 0.9835% | 2,393 |
| Pretax return on assets | 1.4563% | 1,650 |
| Return on Equity (ROE) | 8.2689% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.2689% | 1,356 |
| Net charge-offs to loans | 0.3247% | 3,262 |
| Credit loss provision to net charge-offs | 125.8653% | 2,431 |
| Earnings coverage of net charge-offs (x) | 8.6828% | 2,017 |
| Efficiency ratio | 72.2960% | 3,674 |
| Assets per employee ($millions) | 4.7763% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3051% | 1,731 |
| Loan loss allowance to noncurrent loans | 140.0214% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 4,821 |
| Noncurrent loans to loans | 1.6462% | 3,940 |
| Net loans and leases to total assets | 50.1091% | 5,804 |
| Net loans and leases to deposits | 61.7839% | 5,525 |
| Net loans and leases to core deposits | 63.3958% | 5,787 |
| Total domestic deposits to total assets | 81.1039% | 5,489 |
| Equity capital to assets | 12.2610% | 1,930 |
| Core capital (leverage) ratio | 9.1238% | 4,526 |
| Tier 1 risk-based capital ratio | 13.7238% | 4,362 |
| Total risk-based capital ratio | 14.9824% | 4,334 |
| Memoranda: | ||
| Average total assets | $7,607,676,670 | 132 |
| Average earning assets | $6,791,550,000 | 134 |
| Average equity | $904,835,670 | 129 |
| Average total loans | $3,915,591,670 | 147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 5,905 |
| Cost of funding earning assets | 0.2716% | 7,417 |
| Net interest margin | 4.0620% | 2,421 |
| Noninterest income to average assets | 2.0964% | 339 |
| Noninterest expense to average assets | 3.9321% | 1,131 |
| Loan and lease loss provision to assets | 0.2632% | 3,027 |
| Net operating income to assets | 0.9970% | 2,190 |
| Return on assets (ROA) | 1.0924% | 1,908 |
| Pretax return on assets | 1.6599% | 1,058 |
| Return on Equity (ROE) | 9.3293% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.3293% | 1,286 |
| Net charge-offs to loans | 0.5097% | 2,204 |
| Credit loss provision to net charge-offs | 100.1803% | 2,643 |
| Earnings coverage of net charge-offs (x) | 6.7706% | 2,051 |
| Efficiency ratio | 67.8414% | 4,685 |
| Assets per employee ($millions) | 4.5724% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2704% | 1,817 |
| Loan loss allowance to noncurrent loans | 140.3484% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 4,746 |
| Noncurrent loans to loans | 1.6177% | 4,051 |
| Net loans and leases to total assets | 50.8313% | 5,735 |
| Net loans and leases to deposits | 62.7737% | 5,410 |
| Net loans and leases to core deposits | 64.7033% | 5,654 |
| Total domestic deposits to total assets | 80.9755% | 5,664 |
| Equity capital to assets | 11.9846% | 1,926 |
| Core capital (leverage) ratio | 8.6275% | 5,215 |
| Tier 1 risk-based capital ratio | 12.5174% | 5,247 |
| Total risk-based capital ratio | 13.7752% | 5,223 |
| Memoranda: | ||
| Average total assets | $7,597,607,000 | 133 |
| Average earning assets | $6,761,059,500 | 137 |
| Average equity | $889,629,000 | 132 |
| Average total loans | $3,917,178,500 | 146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 6,834 |
| Cost of funding earning assets | 0.3749% | 7,450 |
| Net interest margin | 3.8948% | 3,516 |
| Noninterest income to average assets | 1.9697% | 405 |
| Noninterest expense to average assets | 3.9396% | 1,253 |
| Loan and lease loss provision to assets | 0.2255% | 5,019 |
| Net operating income to assets | 0.9341% | 2,262 |
| Return on assets (ROA) | 1.0258% | 2,057 |
| Pretax return on assets | 1.4600% | 1,481 |
| Return on Equity (ROE) | 8.2868% | 2,588 |
| Retained earnings to average equity (ytd only) | -11.7537% | 6,750 |
| Net charge-offs to loans | 0.8359% | 2,543 |
| Credit loss provision to net charge-offs | 56.5632% | 6,144 |
| Earnings coverage of net charge-offs (x) | 3.8987% | 3,139 |
| Efficiency ratio | 70.3023% | 4,115 |
| Assets per employee ($millions) | 4.3356% | 3,140 |
| Cash dividends to net income (ytd only)* | 241.8362% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4581% | 1,463 |
| Loan loss allowance to noncurrent loans | 124.2426% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 4,629 |
| Noncurrent loans to loans | 1.9784% | 3,596 |
| Net loans and leases to total assets | 45.5837% | 6,593 |
| Net loans and leases to deposits | 56.5195% | 6,399 |
| Net loans and leases to core deposits | 57.0723% | 6,629 |
| Total domestic deposits to total assets | 80.6513% | 5,641 |
| Equity capital to assets | 10.9300% | 2,748 |
| Core capital (leverage) ratio | 8.1366% | 5,933 |
| Tier 1 risk-based capital ratio | 12.7521% | 4,818 |
| Total risk-based capital ratio | 14.0100% | 4,780 |
| Memoranda: | ||
| Average total assets | $6,651,035,000 | 147 |
| Average earning assets | $6,018,415,200 | 145 |
| Average equity | $823,328,800 | 132 |
| Average total loans | $3,172,625,400 | 174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 6,995 |
| Cost of funding earning assets | 0.3925% | 7,578 |
| Net interest margin | 3.8839% | 3,593 |
| Noninterest income to average assets | 1.9759% | 384 |
| Noninterest expense to average assets | 3.9587% | 1,104 |
| Loan and lease loss provision to assets | 0.1200% | 5,830 |
| Net operating income to assets | 1.0110% | 2,197 |
| Return on assets (ROA) | 1.1157% | 1,945 |
| Pretax return on assets | 1.5611% | 1,442 |
| Return on Equity (ROE) | 8.7593% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.7593% | 1,132 |
| Net charge-offs to loans | 0.4608% | 3,447 |
| Credit loss provision to net charge-offs | 54.3232% | 5,820 |
| Earnings coverage of net charge-offs (x) | 6.9438% | 2,417 |
| Efficiency ratio | 70.6825% | 3,942 |
| Assets per employee ($millions) | 4.4121% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6292% | 1,167 |
| Loan loss allowance to noncurrent loans | 128.8373% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 4,698 |
| Noncurrent loans to loans | 2.0407% | 3,632 |
| Net loans and leases to total assets | 45.0819% | 6,767 |
| Net loans and leases to deposits | 57.5194% | 6,506 |
| Net loans and leases to core deposits | 57.8884% | 6,737 |
| Total domestic deposits to total assets | 78.3769% | 6,173 |
| Equity capital to assets | 13.3702% | 1,404 |
| Core capital (leverage) ratio | 10.6316% | 2,561 |
| Tier 1 risk-based capital ratio | 16.7720% | 2,420 |
| Total risk-based capital ratio | 18.0322% | 2,381 |
| Memoranda: | ||
| Average total assets | $6,666,270,250 | 146 |
| Average earning assets | $6,036,107,750 | 143 |
| Average equity | $849,086,000 | 131 |
| Average total loans | $3,195,853,750 | 173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 7,015 |
| Cost of funding earning assets | 0.4070% | 7,651 |
| Net interest margin | 3.9130% | 3,385 |
| Noninterest income to average assets | 1.9964% | 356 |
| Noninterest expense to average assets | 4.0110% | 1,030 |
| Loan and lease loss provision to assets | 0.0904% | 6,023 |
| Net operating income to assets | 1.0074% | 2,164 |
| Return on assets (ROA) | 1.1565% | 1,742 |
| Pretax return on assets | 1.6456% | 1,178 |
| Return on Equity (ROE) | 9.2351% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.2351% | 1,037 |
| Net charge-offs to loans | 0.2615% | 4,036 |
| Credit loss provision to net charge-offs | 71.2758% | 4,936 |
| Earnings coverage of net charge-offs (x) | 12.0116% | 1,710 |
| Efficiency ratio | 71.0905% | 3,972 |
| Assets per employee ($millions) | 4.3090% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7180% | 1,072 |
| Loan loss allowance to noncurrent loans | 143.4832% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 5,042 |
| Noncurrent loans to loans | 1.8943% | 3,872 |
| Net loans and leases to total assets | 45.7969% | 6,789 |
| Net loans and leases to deposits | 57.3191% | 6,628 |
| Net loans and leases to core deposits | 57.7797% | 6,841 |
| Total domestic deposits to total assets | 79.8983% | 5,756 |
| Equity capital to assets | 12.9662% | 1,586 |
| Core capital (leverage) ratio | 10.6054% | 2,537 |
| Tier 1 risk-based capital ratio | 16.4777% | 2,480 |
| Total risk-based capital ratio | 17.7386% | 2,426 |
| Memoranda: | ||
| Average total assets | $6,638,180,000 | 145 |
| Average earning assets | $6,001,897,330 | 144 |
| Average equity | $831,261,000 | 131 |
| Average total loans | $3,219,322,330 | 171 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 6,907 |
| Cost of funding earning assets | 0.4234% | 7,757 |
| Net interest margin | 4.0247% | 2,771 |
| Noninterest income to average assets | 2.1206% | 317 |
| Noninterest expense to average assets | 4.0223% | 994 |
| Loan and lease loss provision to assets | 0.1819% | 4,702 |
| Net operating income to assets | 1.1117% | 1,794 |
| Return on assets (ROA) | 1.3084% | 1,349 |
| Pretax return on assets | 1.8173% | 853 |
| Return on Equity (ROE) | 10.6409% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.6409% | 1,002 |
| Net charge-offs to loans | 0.4207% | 2,783 |
| Credit loss provision to net charge-offs | 87.8477% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.3359% | 1,971 |
| Efficiency ratio | 68.6288% | 4,597 |
| Assets per employee ($millions) | 4.2413% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7207% | 1,063 |
| Loan loss allowance to noncurrent loans | 191.3775% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 5,434 |
| Noncurrent loans to loans | 1.4216% | 4,601 |
| Net loans and leases to total assets | 46.9703% | 6,752 |
| Net loans and leases to deposits | 58.7753% | 6,571 |
| Net loans and leases to core deposits | 59.3000% | 6,797 |
| Total domestic deposits to total assets | 79.9150% | 5,808 |
| Equity capital to assets | 12.5828% | 1,705 |
| Core capital (leverage) ratio | 10.6603% | 2,485 |
| Tier 1 risk-based capital ratio | 16.2099% | 2,563 |
| Total risk-based capital ratio | 17.4709% | 2,515 |
| Memoranda: | ||
| Average total assets | $6,596,283,000 | 145 |
| Average earning assets | $5,946,048,000 | 145 |
| Average equity | $811,100,500 | 131 |
| Average total loans | $3,246,749,000 | 171 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 6,916 |
| Cost of funding earning assets | 0.9126% | 7,378 |
| Net interest margin | 3.9020% | 3,260 |
| Noninterest income to average assets | 1.9529% | 386 |
| Noninterest expense to average assets | 3.8185% | 1,663 |
| Loan and lease loss provision to assets | 0.8591% | 2,589 |
| Net operating income to assets | 0.8413% | 2,380 |
| Return on assets (ROA) | 0.4119% | 4,191 |
| Pretax return on assets | 0.3818% | 4,547 |
| Return on Equity (ROE) | 3.8289% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.8289% | 2,519 |
| Net charge-offs to loans | 1.0907% | 2,235 |
| Credit loss provision to net charge-offs | 143.6926% | 3,338 |
| Earnings coverage of net charge-offs (x) | 2.7938% | 3,693 |
| Efficiency ratio | 67.8204% | 5,037 |
| Assets per employee ($millions) | 4.1914% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6407% | 1,079 |
| Loan loss allowance to noncurrent loans | 173.4858% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 5,191 |
| Noncurrent loans to loans | 1.5221% | 4,368 |
| Net loans and leases to total assets | 48.8366% | 6,744 |
| Net loans and leases to deposits | 61.0167% | 6,560 |
| Net loans and leases to core deposits | 64.6925% | 7,045 |
| Total domestic deposits to total assets | 80.0381% | 5,662 |
| Equity capital to assets | 12.0089% | 2,037 |
| Core capital (leverage) ratio | 9.9733% | 3,114 |
| Tier 1 risk-based capital ratio | 16.1330% | 2,460 |
| Total risk-based capital ratio | 17.3951% | 2,392 |
| Memoranda: | ||
| Average total assets | $6,634,856,600 | 141 |
| Average earning assets | $6,012,391,400 | 142 |
| Average equity | $713,815,600 | 137 |
| Average total loans | $3,636,919,400 | 157 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 6,850 |
| Cost of funding earning assets | 1.0188% | 7,349 |
| Net interest margin | 3.8957% | 3,247 |
| Noninterest income to average assets | 1.9856% | 375 |
| Noninterest expense to average assets | 3.7734% | 1,650 |
| Loan and lease loss provision to assets | 0.9026% | 2,131 |
| Net operating income to assets | 0.8655% | 2,556 |
| Return on assets (ROA) | 0.3939% | 4,521 |
| Pretax return on assets | 0.3763% | 4,864 |
| Return on Equity (ROE) | 3.7702% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.7702% | 3,175 |
| Net charge-offs to loans | 0.6943% | 2,612 |
| Credit loss provision to net charge-offs | 232.2581% | 1,882 |
| Earnings coverage of net charge-offs (x) | 4.5044% | 3,118 |
| Efficiency ratio | 66.7273% | 5,240 |
| Assets per employee ($millions) | 4.2057% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7506% | 830 |
| Loan loss allowance to noncurrent loans | 159.5287% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 4,910 |
| Noncurrent loans to loans | 1.7242% | 4,048 |
| Net loans and leases to total assets | 51.1428% | 6,690 |
| Net loans and leases to deposits | 63.7616% | 6,511 |
| Net loans and leases to core deposits | 68.5521% | 7,045 |
| Total domestic deposits to total assets | 80.2093% | 5,361 |
| Equity capital to assets | 11.9639% | 2,263 |
| Core capital (leverage) ratio | 9.8483% | 3,457 |
| Tier 1 risk-based capital ratio | 15.3786% | 2,876 |
| Total risk-based capital ratio | 16.6416% | 2,813 |
| Memoranda: | ||
| Average total assets | $6,647,410,500 | 149 |
| Average earning assets | $6,037,349,500 | 145 |
| Average equity | $694,584,500 | 145 |
| Average total loans | $3,720,415,750 | 163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 6,756 |
| Cost of funding earning assets | 1.1204% | 7,323 |
| Net interest margin | 3.8833% | 3,192 |
| Noninterest income to average assets | 2.0162% | 371 |
| Noninterest expense to average assets | 3.7190% | 1,797 |
| Loan and lease loss provision to assets | 0.9006% | 1,876 |
| Net operating income to assets | 0.9428% | 2,304 |
| Return on assets (ROA) | 0.3172% | 4,933 |
| Pretax return on assets | 0.3011% | 5,206 |
| Return on Equity (ROE) | 3.1884% | 4,827 |
| Retained earnings to average equity (ytd only) | 3.1884% | 3,540 |
| Net charge-offs to loans | 0.8374% | 2,013 |
| Credit loss provision to net charge-offs | 188.3949% | 2,424 |
| Earnings coverage of net charge-offs (x) | 3.8224% | 3,300 |
| Efficiency ratio | 65.4809% | 5,633 |
| Assets per employee ($millions) | 4.1733% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3061% | 1,093 |
| Loan loss allowance to noncurrent loans | 182.6734% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 5,085 |
| Noncurrent loans to loans | 1.2624% | 4,675 |
| Net loans and leases to total assets | 52.6441% | 6,610 |
| Net loans and leases to deposits | 66.1854% | 6,374 |
| Net loans and leases to core deposits | 71.9796% | 6,898 |
| Total domestic deposits to total assets | 79.5405% | 5,625 |
| Equity capital to assets | 10.0378% | 3,887 |
| Core capital (leverage) ratio | 9.5029% | 3,879 |
| Tier 1 risk-based capital ratio | 14.7476% | 3,124 |
| Total risk-based capital ratio | 16.0065% | 3,055 |
| Memoranda: | ||
| Average total assets | $6,662,210,000 | 152 |
| Average earning assets | $6,056,339,670 | 149 |
| Average equity | $662,787,000 | 156 |
| Average total loans | $3,803,062,670 | 168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 6,328 |
| Cost of funding earning assets | 1.1911% | 7,318 |
| Net interest margin | 4.0003% | 2,643 |
| Noninterest income to average assets | 1.9965% | 367 |
| Noninterest expense to average assets | 3.5215% | 2,043 |
| Loan and lease loss provision to assets | 0.9070% | 1,446 |
| Net operating income to assets | 0.9550% | 2,495 |
| Return on assets (ROA) | 0.3645% | 5,182 |
| Pretax return on assets | 0.4567% | 5,220 |
| Return on Equity (ROE) | 3.6808% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.6808% | 3,855 |
| Net charge-offs to loans | 0.9731% | 1,378 |
| Credit loss provision to net charge-offs | 158.7470% | 2,664 |
| Earnings coverage of net charge-offs (x) | 3.6794% | 3,101 |
| Efficiency ratio | 61.0548% | 6,244 |
| Assets per employee ($millions) | 4.1652% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 1,350 |
| Loan loss allowance to noncurrent loans | 142.0114% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 4,606 |
| Noncurrent loans to loans | 1.4316% | 4,159 |
| Net loans and leases to total assets | 55.7432% | 6,275 |
| Net loans and leases to deposits | 69.9519% | 5,981 |
| Net loans and leases to core deposits | 77.2840% | 6,590 |
| Total domestic deposits to total assets | 79.6880% | 5,472 |
| Equity capital to assets | 9.7684% | 4,283 |
| Core capital (leverage) ratio | 9.3942% | 4,114 |
| Tier 1 risk-based capital ratio | 13.7751% | 3,709 |
| Total risk-based capital ratio | 15.0313% | 3,629 |
| Memoranda: | ||
| Average total assets | $6,615,043,500 | 153 |
| Average earning assets | $5,998,363,000 | 150 |
| Average equity | $655,075,500 | 150 |
| Average total loans | $3,884,150,000 | 166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 7,536 |
| Cost of funding earning assets | 1.6293% | 7,386 |
| Net interest margin | 3.7211% | 4,380 |
| Noninterest income to average assets | 1.1730% | 1,120 |
| Noninterest expense to average assets | 3.0151% | 4,035 |
| Loan and lease loss provision to assets | 0.5449% | 2,641 |
| Net operating income to assets | 0.5609% | 4,476 |
| Return on assets (ROA) | 0.1215% | 5,897 |
| Pretax return on assets | 0.3273% | 5,452 |
| Return on Equity (ROE) | 1.1262% | 5,883 |
| Retained earnings to average equity (ytd only) | -20.9758% | 7,704 |
| Net charge-offs to loans | 0.6032% | 2,029 |
| Credit loss provision to net charge-offs | 158.3531% | 3,278 |
| Earnings coverage of net charge-offs (x) | 4.5302% | 3,948 |
| Efficiency ratio | 64.4896% | 5,456 |
| Assets per employee ($millions) | 4.0602% | 3,389 |
| Cash dividends to net income (ytd only)* | 1,962.5435% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 1,614 |
| Loan loss allowance to noncurrent loans | 224.2637% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 4,936 |
| Noncurrent loans to loans | 0.8063% | 5,029 |
| Net loans and leases to total assets | 59.4751% | 5,985 |
| Net loans and leases to deposits | 76.1685% | 5,572 |
| Net loans and leases to core deposits | 84.5365% | 6,252 |
| Total domestic deposits to total assets | 78.0836% | 5,681 |
| Equity capital to assets | 10.0399% | 3,989 |
| Core capital (leverage) ratio | 9.4959% | 4,019 |
| Tier 1 risk-based capital ratio | 13.3439% | 3,900 |
| Total risk-based capital ratio | 14.5978% | 3,808 |
| Memoranda: | ||
| Average total assets | $7,340,897,000 | 139 |
| Average earning assets | $6,709,328,200 | 140 |
| Average equity | $791,783,600 | 138 |
| Average total loans | $4,187,437,800 | 155 |