Home > Great Western Bank > Performance and Condition Ratios
Great Western Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 3,169 |
| Cost of funding earning assets | 0.1367% | 4,096 |
| Net interest margin | 3.1757% | 2,666 |
| Noninterest income to average assets | 0.5510% | 2,358 |
| Noninterest expense to average assets | 1.8233% | 4,099 |
| Loan and lease loss provision to assets | -0.3499% | 4,794 |
| Net operating income to assets | 1.6124% | 775 |
| Return on assets (ROA) | 1.6124% | 811 |
| Pretax return on assets | 2.0775% | 522 |
| Return on Equity (ROE) | 17.1956% | 558 |
| Retained earnings to average equity (ytd only) | 16.7442% | 137 |
| Net charge-offs to loans | 0.3106% | 272 |
| Credit loss provision to net charge-offs | -169.3200% | 3,476 |
| Earnings coverage of net charge-offs (x) | 8.3615% | 2,302 |
| Efficiency ratio | 51.1325% | 4,189 |
| Assets per employee ($millions) | 8.0943% | 1,279 |
| Cash dividends to net income (ytd only)* | 2.6249% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9052% | 162 |
| Loan loss allowance to noncurrent loans | 148.3518% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 342 |
| Noncurrent loans to loans | 1.9584% | 404 |
| Net loans and leases to total assets | 59.2078% | 2,243 |
| Net loans and leases to deposits | 66.9992% | 2,407 |
| Net loans and leases to core deposits | 68.1738% | 2,638 |
| Total domestic deposits to total assets | 88.3710% | 1,845 |
| Equity capital to assets | 9.7306% | 2,910 |
| Core capital (leverage) ratio | 10.6830% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2442% | 1,447 |
| Memoranda: | ||
| Average total assets | $13,023,747,400 | 135 |
| Average earning assets | $12,303,063,000 | 133 |
| Average equity | $1,221,184,200 | 149 |
| Average total loans | $8,665,261,400 | 136 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 3,178 |
| Cost of funding earning assets | 0.1458% | 4,150 |
| Net interest margin | 3.2303% | 2,634 |
| Noninterest income to average assets | 0.5476% | 2,417 |
| Noninterest expense to average assets | 1.8291% | 4,110 |
| Loan and lease loss provision to assets | -0.4693% | 4,879 |
| Net operating income to assets | 1.7317% | 771 |
| Return on assets (ROA) | 1.7317% | 805 |
| Pretax return on assets | 2.2380% | 508 |
| Return on Equity (ROE) | 18.6501% | 555 |
| Retained earnings to average equity (ytd only) | 18.3443% | 186 |
| Net charge-offs to loans | 0.2605% | 314 |
| Credit loss provision to net charge-offs | -265.0302% | 3,457 |
| Earnings coverage of net charge-offs (x) | 9.9881% | 2,053 |
| Efficiency ratio | 50.6247% | 4,161 |
| Assets per employee ($millions) | 7.8320% | 1,354 |
| Cash dividends to net income (ytd only)* | 1.6398% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0059% | 152 |
| Loan loss allowance to noncurrent loans | 124.2899% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.5684% | 309 |
| Noncurrent loans to loans | 2.4185% | 317 |
| Net loans and leases to total assets | 61.5086% | 2,076 |
| Net loans and leases to deposits | 70.0146% | 2,246 |
| Net loans and leases to core deposits | 71.4194% | 2,476 |
| Total domestic deposits to total assets | 87.8510% | 1,936 |
| Equity capital to assets | 9.8749% | 3,022 |
| Core capital (leverage) ratio | 10.5940% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1044% | 1,588 |
| Memoranda: | ||
| Average total assets | $12,944,853,000 | 135 |
| Average earning assets | $12,222,865,500 | 134 |
| Average equity | $1,201,980,000 | 150 |
| Average total loans | $8,798,016,000 | 134 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 3,011 |
| Cost of funding earning assets | 0.1586% | 4,132 |
| Net interest margin | 3.2990% | 2,438 |
| Noninterest income to average assets | 0.5631% | 2,360 |
| Noninterest expense to average assets | 1.7860% | 4,213 |
| Loan and lease loss provision to assets | -0.3927% | 4,876 |
| Net operating income to assets | 1.7617% | 777 |
| Return on assets (ROA) | 1.7617% | 819 |
| Pretax return on assets | 2.2858% | 493 |
| Return on Equity (ROE) | 19.3811% | 508 |
| Retained earnings to average equity (ytd only) | 19.3811% | 174 |
| Net charge-offs to loans | 0.2900% | 305 |
| Credit loss provision to net charge-offs | -194.9433% | 3,194 |
| Earnings coverage of net charge-offs (x) | 9.3970% | 1,837 |
| Efficiency ratio | 48.3286% | 4,363 |
| Assets per employee ($millions) | 7.8557% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1883% | 128 |
| Loan loss allowance to noncurrent loans | 128.6564% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6972% | 298 |
| Noncurrent loans to loans | 2.4782% | 333 |
| Net loans and leases to total assets | 62.8630% | 2,074 |
| Net loans and leases to deposits | 70.9511% | 2,317 |
| Net loans and leases to core deposits | 72.6590% | 2,550 |
| Total domestic deposits to total assets | 88.6004% | 1,508 |
| Equity capital to assets | 9.4431% | 3,389 |
| Core capital (leverage) ratio | 10.1370% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6393% | 1,746 |
| Memoranda: | ||
| Average total assets | $12,957,413,000 | 134 |
| Average earning assets | $12,238,743,667 | 131 |
| Average equity | $1,177,784,000 | 151 |
| Average total loans | $9,002,337,000 | 130 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 2,735 |
| Cost of funding earning assets | 0.1748% | 4,121 |
| Net interest margin | 3.3957% | 2,124 |
| Noninterest income to average assets | 0.5167% | 2,535 |
| Noninterest expense to average assets | 1.7563% | 4,279 |
| Loan and lease loss provision to assets | -0.1549% | 4,780 |
| Net operating income to assets | 1.6575% | 1,010 |
| Return on assets (ROA) | 1.6574% | 1,058 |
| Pretax return on assets | 2.1271% | 769 |
| Return on Equity (ROE) | 18.6002% | 660 |
| Retained earnings to average equity (ytd only) | 18.6002% | 335 |
| Net charge-offs to loans | 0.3385% | 250 |
| Credit loss provision to net charge-offs | -63.7674% | 2,779 |
| Earnings coverage of net charge-offs (x) | 8.1168% | 1,590 |
| Efficiency ratio | 46.8870% | 4,414 |
| Assets per employee ($millions) | 8.0237% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2842% | 118 |
| Loan loss allowance to noncurrent loans | 104.0041% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.3226% | 189 |
| Noncurrent loans to loans | 3.1578% | 239 |
| Net loans and leases to total assets | 67.0081% | 1,660 |
| Net loans and leases to deposits | 75.1616% | 1,997 |
| Net loans and leases to core deposits | 77.7919% | 2,203 |
| Total domestic deposits to total assets | 89.1521% | 1,266 |
| Equity capital to assets | 8.9482% | 3,734 |
| Core capital (leverage) ratio | 9.9835% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7606% | 1,980 |
| Memoranda: | ||
| Average total assets | $12,908,044,000 | 135 |
| Average earning assets | $12,208,809,000 | 133 |
| Average equity | $1,150,225,000 | 155 |
| Average total loans | $9,264,614,000 | 130 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 2,691 |
| Cost of funding earning assets | 0.4315% | 3,395 |
| Net interest margin | 3.5809% | 2,211 |
| Noninterest income to average assets | -0.1714% | 4,984 |
| Noninterest expense to average assets | 7.7670% | 99 |
| Loan and lease loss provision to assets | 0.9618% | 106 |
| Net operating income to assets | -5.3358% | 4,992 |
| Return on assets (ROA) | -5.2762% | 4,992 |
| Pretax return on assets | -5.4793% | 4,991 |
| Return on Equity (ROE) | -49.5596% | 4,996 |
| Retained earnings to average equity (ytd only) | -52.3078% | 4,993 |
| Net charge-offs to loans | 0.6454% | 233 |
| Credit loss provision to net charge-offs | 192.4191% | 2,196 |
| Earnings coverage of net charge-offs (x) | -9.1624% | 3,400 |
| Efficiency ratio | 60.1696% | 3,430 |
| Assets per employee ($millions) | 7.7823% | 1,129 |
| Cash dividends to net income (ytd only)* | -5.5452% | 4,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2444% | 118 |
| Loan loss allowance to noncurrent loans | 105.6045% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 2.4239% | 191 |
| Noncurrent loans to loans | 3.0722% | 273 |
| Net loans and leases to total assets | 71.8920% | 1,302 |
| Net loans and leases to deposits | 80.7289% | 1,790 |
| Net loans and leases to core deposits | 84.7805% | 1,966 |
| Total domestic deposits to total assets | 89.0537% | 964 |
| Equity capital to assets | 8.8731% | 4,169 |
| Core capital (leverage) ratio | 9.6962% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9212% | 2,270 |
| Memoranda: | ||
| Average total assets | $12,712,545,800 | 130 |
| Average earning assets | $11,923,882,600 | 126 |
| Average equity | $1,353,395,400 | 142 |
| Average total loans | $9,845,495,800 | 116 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 2,752 |
| Cost of funding earning assets | 0.5003% | 3,221 |
| Net interest margin | 3.5722% | 2,353 |
| Noninterest income to average assets | -0.3760% | 5,023 |
| Noninterest expense to average assets | 9.7972% | 79 |
| Loan and lease loss provision to assets | 1.1589% | 99 |
| Net operating income to assets | -7.5868% | 5,026 |
| Return on assets (ROA) | -7.5081% | 5,026 |
| Pretax return on assets | -7.9049% | 5,026 |
| Return on Equity (ROE) | -67.6792% | 5,027 |
| Retained earnings to average equity (ytd only) | -71.2022% | 5,025 |
| Net charge-offs to loans | 0.4457% | 354 |
| Credit loss provision to net charge-offs | 332.3590% | 1,659 |
| Earnings coverage of net charge-offs (x) | -19.5836% | 3,214 |
| Efficiency ratio | 66.9172% | 2,325 |
| Assets per employee ($millions) | 7.5296% | 1,193 |
| Cash dividends to net income (ytd only)* | -5.2056% | 4,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,425 |
| Loan loss allowance to noncurrent loans | 46.1238% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.7404% | 177 |
| Noncurrent loans to loans | 3.2251% | 271 |
| Net loans and leases to total assets | 78.8460% | 734 |
| Net loans and leases to deposits | 89.8694% | 1,279 |
| Net loans and leases to core deposits | 95.7823% | 1,471 |
| Total domestic deposits to total assets | 87.7340% | 1,327 |
| Equity capital to assets | 9.7640% | 3,468 |
| Core capital (leverage) ratio | 9.3233% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9582% | 2,630 |
| Memoranda: | ||
| Average total assets | $12,688,281,500 | 129 |
| Average earning assets | $11,879,147,000 | 125 |
| Average equity | $1,407,592,750 | 137 |
| Average total loans | $9,927,400,750 | 113 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 2,906 |
| Cost of funding earning assets | 0.5838% | 3,052 |
| Net interest margin | 3.5673% | 2,588 |
| Noninterest income to average assets | -0.3089% | 5,045 |
| Noninterest expense to average assets | 13.5801% | 50 |
| Loan and lease loss provision to assets | 1.4690% | 87 |
| Net operating income to assets | -11.4610% | 5,064 |
| Return on assets (ROA) | -11.4610% | 5,064 |
| Pretax return on assets | -12.0366% | 5,064 |
| Return on Equity (ROE) | -99.3818% | 5,063 |
| Retained earnings to average equity (ytd only) | -104.4523% | 5,059 |
| Net charge-offs to loans | 0.3656% | 436 |
| Credit loss provision to net charge-offs | 517.3930% | 1,207 |
| Earnings coverage of net charge-offs (x) | -37.2204% | 3,011 |
| Efficiency ratio | 63.0025% | 2,953 |
| Assets per employee ($millions) | 7.7287% | 1,073 |
| Cash dividends to net income (ytd only)* | -5.1021% | 5,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 1,463 |
| Loan loss allowance to noncurrent loans | 53.9726% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.2717% | 276 |
| Noncurrent loans to loans | 2.6615% | 414 |
| Net loans and leases to total assets | 78.6211% | 765 |
| Net loans and leases to deposits | 90.8513% | 1,278 |
| Net loans and leases to core deposits | 97.6468% | 1,442 |
| Total domestic deposits to total assets | 86.5382% | 1,791 |
| Equity capital to assets | 9.4662% | 3,689 |
| Core capital (leverage) ratio | 9.2332% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4740% | 2,827 |
| Memoranda: | ||
| Average total assets | $12,721,236,333 | 128 |
| Average earning assets | $11,844,174,333 | 124 |
| Average equity | $1,467,048,000 | 133 |
| Average total loans | $9,877,820,333 | 115 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,852 |
| Cost of funding earning assets | 0.7577% | 2,621 |
| Net interest margin | 3.5642% | 2,783 |
| Noninterest income to average assets | -0.1736% | 5,091 |
| Noninterest expense to average assets | 25.3975% | 33 |
| Loan and lease loss provision to assets | 2.2762% | 55 |
| Net operating income to assets | -23.3835% | 5,115 |
| Return on assets (ROA) | -23.3835% | 5,115 |
| Pretax return on assets | -24.5632% | 5,114 |
| Return on Equity (ROE) | -185.7161% | 5,114 |
| Retained earnings to average equity (ytd only) | -190.4789% | 5,111 |
| Net charge-offs to loans | 0.3572% | 397 |
| Credit loss provision to net charge-offs | 832.3093% | 651 |
| Earnings coverage of net charge-offs (x) | -81.4949% | 2,569 |
| Efficiency ratio | 59.4292% | 3,815 |
| Assets per employee ($millions) | 7.5018% | 892 |
| Cash dividends to net income (ytd only)* | -2.5645% | 5,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,688 |
| Loan loss allowance to noncurrent loans | 62.5279% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.9758% | 429 |
| Noncurrent loans to loans | 2.2430% | 582 |
| Net loans and leases to total assets | 77.1658% | 1,102 |
| Net loans and leases to deposits | 93.6032% | 1,112 |
| Net loans and leases to core deposits | 102.4336% | 1,294 |
| Total domestic deposits to total assets | 82.4393% | 3,280 |
| Equity capital to assets | 9.8889% | 3,891 |
| Core capital (leverage) ratio | 9.2128% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5153% | 2,924 |
| Memoranda: | ||
| Average total assets | $12,616,769,500 | 125 |
| Average earning assets | $11,625,317,000 | 124 |
| Average equity | $1,588,575,000 | 131 |
| Average total loans | $9,659,731,000 | 115 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 2,265 |
| Cost of funding earning assets | 1.0072% | 1,696 |
| Net interest margin | 3.7141% | 2,774 |
| Noninterest income to average assets | 0.4502% | 3,004 |
| Noninterest expense to average assets | 1.6729% | 4,897 |
| Loan and lease loss provision to assets | 0.3427% | 451 |
| Net operating income to assets | 1.3835% | 1,398 |
| Return on assets (ROA) | 1.3856% | 1,474 |
| Pretax return on assets | 1.7789% | 993 |
| Return on Equity (ROE) | 9.2630% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.4473% | 3,282 |
| Net charge-offs to loans | 0.3820% | 514 |
| Credit loss provision to net charge-offs | 117.6873% | 2,146 |
| Earnings coverage of net charge-offs (x) | 7.2775% | 2,892 |
| Efficiency ratio | 43.7951% | 4,984 |
| Assets per employee ($millions) | 7.8104% | 765 |
| Cash dividends to net income (ytd only)* | 62.7838% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 4,432 |
| Loan loss allowance to noncurrent loans | 44.6635% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 636 |
| Noncurrent loans to loans | 1.6928% | 816 |
| Net loans and leases to total assets | 74.3566% | 1,694 |
| Net loans and leases to deposits | 93.9945% | 1,151 |
| Net loans and leases to core deposits | 102.3853% | 1,371 |
| Total domestic deposits to total assets | 79.1074% | 4,171 |
| Equity capital to assets | 15.1958% | 744 |
| Core capital (leverage) ratio | 9.9998% | 3,517 |
| Tier 1 risk-based capital ratio | 11.5958% | 4,579 |
| Total risk-based capital ratio | 12.3023% | 4,735 |
| Memoranda: | ||
| Average total assets | $12,792,487,600 | 121 |
| Average earning assets | $11,509,649,000 | 120 |
| Average equity | $1,913,512,200 | 109 |
| Average total loans | $9,751,692,400 | 110 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,215 |
| Cost of funding earning assets | 1.0531% | 1,524 |
| Net interest margin | 3.7173% | 2,861 |
| Noninterest income to average assets | 0.4376% | 3,090 |
| Noninterest expense to average assets | 1.6655% | 4,951 |
| Loan and lease loss provision to assets | 0.3728% | 350 |
| Net operating income to assets | 1.3614% | 1,609 |
| Return on assets (ROA) | 1.3641% | 1,665 |
| Pretax return on assets | 1.7497% | 1,199 |
| Return on Equity (ROE) | 9.1563% | 2,824 |
| Retained earnings to average equity (ytd only) | 4.0160% | 3,390 |
| Net charge-offs to loans | 0.4245% | 394 |
| Credit loss provision to net charge-offs | 114.7058% | 2,030 |
| Earnings coverage of net charge-offs (x) | 6.5195% | 2,831 |
| Efficiency ratio | 43.6924% | 5,028 |
| Assets per employee ($millions) | 7.9350% | 706 |
| Cash dividends to net income (ytd only)* | 56.1396% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 4,585 |
| Loan loss allowance to noncurrent loans | 59.7526% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 1,072 |
| Noncurrent loans to loans | 1.2202% | 1,284 |
| Net loans and leases to total assets | 75.4262% | 1,579 |
| Net loans and leases to deposits | 93.0302% | 1,319 |
| Net loans and leases to core deposits | 105.2190% | 1,242 |
| Total domestic deposits to total assets | 81.0772% | 3,731 |
| Equity capital to assets | 15.2644% | 777 |
| Core capital (leverage) ratio | 9.9304% | 3,706 |
| Tier 1 risk-based capital ratio | 11.4917% | 4,670 |
| Total risk-based capital ratio | 12.1732% | 4,828 |
| Memoranda: | ||
| Average total assets | $12,778,592,000 | 120 |
| Average earning assets | $11,505,408,250 | 120 |
| Average equity | $1,903,798,500 | 109 |
| Average total loans | $9,783,073,750 | 111 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 2,254 |
| Cost of funding earning assets | 1.0447% | 1,515 |
| Net interest margin | 3.6941% | 2,948 |
| Noninterest income to average assets | 0.4263% | 3,092 |
| Noninterest expense to average assets | 1.6760% | 4,997 |
| Loan and lease loss provision to assets | 0.5282% | 217 |
| Net operating income to assets | 1.2086% | 2,121 |
| Return on assets (ROA) | 1.2126% | 2,165 |
| Pretax return on assets | 1.5570% | 1,673 |
| Return on Equity (ROE) | 8.2065% | 3,198 |
| Retained earnings to average equity (ytd only) | 2.5598% | 3,917 |
| Net charge-offs to loans | 0.4771% | 334 |
| Credit loss provision to net charge-offs | 144.2493% | 1,538 |
| Earnings coverage of net charge-offs (x) | 5.6809% | 2,630 |
| Efficiency ratio | 44.2964% | 5,056 |
| Assets per employee ($millions) | 7.9324% | 689 |
| Cash dividends to net income (ytd only)* | 68.8082% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 4,526 |
| Loan loss allowance to noncurrent loans | 64.7723% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 1,161 |
| Noncurrent loans to loans | 1.1953% | 1,342 |
| Net loans and leases to total assets | 75.7816% | 1,584 |
| Net loans and leases to deposits | 95.1382% | 1,135 |
| Net loans and leases to core deposits | 105.6562% | 1,266 |
| Total domestic deposits to total assets | 79.6543% | 4,105 |
| Equity capital to assets | 14.7744% | 871 |
| Core capital (leverage) ratio | 9.6495% | 3,979 |
| Tier 1 risk-based capital ratio | 10.9472% | 4,936 |
| Total risk-based capital ratio | 11.6692% | 5,048 |
| Memoranda: | ||
| Average total assets | $12,779,678,000 | 120 |
| Average earning assets | $11,519,815,670 | 117 |
| Average equity | $1,888,372,330 | 109 |
| Average total loans | $9,808,522,000 | 111 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 2,254 |
| Cost of funding earning assets | 1.0141% | 1,510 |
| Net interest margin | 3.6784% | 2,975 |
| Noninterest income to average assets | 0.5481% | 2,295 |
| Noninterest expense to average assets | 1.6908% | 5,025 |
| Loan and lease loss provision to assets | 0.2417% | 612 |
| Net operating income to assets | 1.5017% | 1,112 |
| Return on assets (ROA) | 1.5017% | 1,143 |
| Pretax return on assets | 1.9318% | 742 |
| Return on Equity (ROE) | 10.1618% | 2,295 |
| Retained earnings to average equity (ytd only) | 4.1423% | 3,262 |
| Net charge-offs to loans | 0.2401% | 606 |
| Credit loss provision to net charge-offs | 130.8716% | 1,350 |
| Earnings coverage of net charge-offs (x) | 11.7675% | 1,894 |
| Efficiency ratio | 43.4319% | 5,118 |
| Assets per employee ($millions) | 7.9508% | 684 |
| Cash dividends to net income (ytd only)* | 59.2363% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 4,787 |
| Loan loss allowance to noncurrent loans | 55.8872% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 1,115 |
| Noncurrent loans to loans | 1.2453% | 1,322 |
| Net loans and leases to total assets | 75.6593% | 1,539 |
| Net loans and leases to deposits | 92.0854% | 1,390 |
| Net loans and leases to core deposits | 103.5182% | 1,350 |
| Total domestic deposits to total assets | 82.1621% | 3,683 |
| Equity capital to assets | 14.7395% | 810 |
| Core capital (leverage) ratio | 9.8390% | 3,778 |
| Tier 1 risk-based capital ratio | 11.0446% | 4,955 |
| Total risk-based capital ratio | 11.6952% | 5,107 |
| Memoranda: | ||
| Average total assets | $12,696,683,000 | 118 |
| Average earning assets | $11,446,675,500 | 119 |
| Average equity | $1,876,238,500 | 110 |
| Average total loans | $9,769,293,000 | 112 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 2,110 |
| Cost of funding earning assets | 0.7507% | 1,785 |
| Net interest margin | 3.8596% | 2,467 |
| Noninterest income to average assets | 0.5595% | 2,495 |
| Noninterest expense to average assets | 1.8182% | 4,988 |
| Loan and lease loss provision to assets | 0.1542% | 1,370 |
| Net operating income to assets | 1.5411% | 1,015 |
| Return on assets (ROA) | 1.5377% | 1,019 |
| Pretax return on assets | 2.0519% | 494 |
| Return on Equity (ROE) | 10.0597% | 2,491 |
| Retained earnings to average equity (ytd only) | 2.8676% | 3,967 |
| Net charge-offs to loans | 0.1750% | 1,100 |
| Credit loss provision to net charge-offs | 113.1723% | 2,291 |
| Earnings coverage of net charge-offs (x) | 16.2265% | 2,263 |
| Efficiency ratio | 44.7980% | 5,157 |
| Assets per employee ($millions) | 7.8115% | 701 |
| Cash dividends to net income (ytd only)* | 71.4940% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,849 |
| Loan loss allowance to noncurrent loans | 47.6274% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.2812% | 1,000 |
| Noncurrent loans to loans | 1.4229% | 1,095 |
| Net loans and leases to total assets | 77.1865% | 1,411 |
| Net loans and leases to deposits | 95.4054% | 1,128 |
| Net loans and leases to core deposits | 107.1274% | 1,183 |
| Total domestic deposits to total assets | 80.9037% | 3,912 |
| Equity capital to assets | 14.8161% | 755 |
| Core capital (leverage) ratio | 9.8753% | 3,719 |
| Tier 1 risk-based capital ratio | 10.8761% | 5,031 |
| Total risk-based capital ratio | 11.5106% | 5,174 |
| Memoranda: | ||
| Average total assets | $12,093,816,000 | 118 |
| Average earning assets | $10,869,902,600 | 119 |
| Average equity | $1,848,638,000 | 103 |
| Average total loans | $9,413,371,400 | 109 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 2,079 |
| Cost of funding earning assets | 0.6913% | 1,896 |
| Net interest margin | 3.8756% | 2,385 |
| Noninterest income to average assets | 0.5952% | 2,334 |
| Noninterest expense to average assets | 1.8700% | 4,953 |
| Loan and lease loss provision to assets | 0.1495% | 1,316 |
| Net operating income to assets | 1.5247% | 1,136 |
| Return on assets (ROA) | 1.5246% | 1,136 |
| Pretax return on assets | 2.0584% | 537 |
| Return on Equity (ROE) | 9.8942% | 2,665 |
| Retained earnings to average equity (ytd only) | 5.6870% | 2,829 |
| Net charge-offs to loans | 0.1846% | 909 |
| Credit loss provision to net charge-offs | 104.0040% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.3585% | 2,230 |
| Efficiency ratio | 45.5187% | 5,165 |
| Assets per employee ($millions) | 7.4791% | 783 |
| Cash dividends to net income (ytd only)* | 42.5223% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 4,900 |
| Loan loss allowance to noncurrent loans | 44.9894% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 976 |
| Noncurrent loans to loans | 1.5235% | 1,060 |
| Net loans and leases to total assets | 77.2284% | 1,460 |
| Net loans and leases to deposits | 95.3596% | 1,227 |
| Net loans and leases to core deposits | 106.0021% | 1,310 |
| Total domestic deposits to total assets | 80.9865% | 3,870 |
| Equity capital to assets | 15.4717% | 621 |
| Core capital (leverage) ratio | 10.3280% | 3,257 |
| Tier 1 risk-based capital ratio | 11.5948% | 4,736 |
| Total risk-based capital ratio | 12.2402% | 4,936 |
| Memoranda: | ||
| Average total assets | $11,975,107,250 | 117 |
| Average earning assets | $10,761,185,500 | 117 |
| Average equity | $1,845,252,250 | 102 |
| Average total loans | $9,324,840,500 | 107 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 2,005 |
| Cost of funding earning assets | 0.6320% | 2,035 |
| Net interest margin | 3.8949% | 2,217 |
| Noninterest income to average assets | 0.5938% | 2,353 |
| Noninterest expense to average assets | 1.8642% | 5,010 |
| Loan and lease loss provision to assets | 0.1411% | 1,385 |
| Net operating income to assets | 1.5418% | 1,051 |
| Return on assets (ROA) | 1.5417% | 1,056 |
| Pretax return on assets | 2.0905% | 499 |
| Return on Equity (ROE) | 10.0186% | 2,554 |
| Retained earnings to average equity (ytd only) | 6.6956% | 2,214 |
| Net charge-offs to loans | 0.1668% | 933 |
| Credit loss provision to net charge-offs | 108.5806% | 1,910 |
| Earnings coverage of net charge-offs (x) | 17.1774% | 1,966 |
| Efficiency ratio | 45.1692% | 5,246 |
| Assets per employee ($millions) | 7.1996% | 859 |
| Cash dividends to net income (ytd only)* | 33.1684% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 4,962 |
| Loan loss allowance to noncurrent loans | 50.7285% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 1,273 |
| Noncurrent loans to loans | 1.3595% | 1,247 |
| Net loans and leases to total assets | 77.6149% | 1,377 |
| Net loans and leases to deposits | 96.6099% | 1,085 |
| Net loans and leases to core deposits | 112.5979% | 855 |
| Total domestic deposits to total assets | 80.3384% | 4,170 |
| Equity capital to assets | 15.5065% | 592 |
| Core capital (leverage) ratio | 10.2807% | 3,256 |
| Tier 1 risk-based capital ratio | 11.4731% | 4,795 |
| Total risk-based capital ratio | 12.1229% | 5,010 |
| Memoranda: | ||
| Average total assets | $11,930,571,000 | 116 |
| Average earning assets | $10,726,925,000 | 116 |
| Average equity | $1,835,862,330 | 102 |
| Average total loans | $9,294,484,330 | 107 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 2,135 |
| Cost of funding earning assets | 0.5795% | 2,178 |
| Net interest margin | 3.8382% | 2,268 |
| Noninterest income to average assets | 0.5811% | 2,358 |
| Noninterest expense to average assets | 1.8881% | 5,037 |
| Loan and lease loss provision to assets | 0.1648% | 1,085 |
| Net operating income to assets | 1.4536% | 1,185 |
| Return on assets (ROA) | 1.4533% | 1,191 |
| Pretax return on assets | 1.9742% | 602 |
| Return on Equity (ROE) | 9.4817% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.4585% | 2,524 |
| Net charge-offs to loans | 0.1636% | 869 |
| Credit loss provision to net charge-offs | 129.4926% | 1,339 |
| Earnings coverage of net charge-offs (x) | 16.8116% | 1,607 |
| Efficiency ratio | 46.5269% | 5,248 |
| Assets per employee ($millions) | 7.2298% | 872 |
| Cash dividends to net income (ytd only)* | 31.8841% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 5,034 |
| Loan loss allowance to noncurrent loans | 49.2414% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 1,208 |
| Noncurrent loans to loans | 1.4166% | 1,254 |
| Net loans and leases to total assets | 77.3600% | 1,332 |
| Net loans and leases to deposits | 98.1400% | 844 |
| Net loans and leases to core deposits | 113.2134% | 836 |
| Total domestic deposits to total assets | 78.8262% | 4,604 |
| Equity capital to assets | 15.2942% | 606 |
| Core capital (leverage) ratio | 10.1668% | 3,341 |
| Tier 1 risk-based capital ratio | 11.1816% | 5,037 |
| Total risk-based capital ratio | 11.8369% | 5,225 |
| Memoranda: | ||
| Average total assets | $11,895,006,000 | 117 |
| Average earning assets | $10,680,378,500 | 116 |
| Average equity | $1,823,269,000 | 103 |
| Average total loans | $9,251,829,000 | 109 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 2,261 |
| Cost of funding earning assets | 0.4386% | 2,889 |
| Net interest margin | 3.8819% | 2,144 |
| Noninterest income to average assets | 0.5051% | 2,968 |
| Noninterest expense to average assets | 1.7963% | 5,242 |
| Loan and lease loss provision to assets | 0.1650% | 1,338 |
| Net operating income to assets | 1.2565% | 1,340 |
| Return on assets (ROA) | 1.2567% | 1,365 |
| Pretax return on assets | 2.0210% | 466 |
| Return on Equity (ROE) | 8.0318% | 2,779 |
| Retained earnings to average equity (ytd only) | 2.7481% | 3,666 |
| Net charge-offs to loans | 0.2454% | 1,061 |
| Credit loss provision to net charge-offs | 87.4036% | 2,827 |
| Earnings coverage of net charge-offs (x) | 11.5767% | 2,559 |
| Efficiency ratio | 44.6887% | 5,431 |
| Assets per employee ($millions) | 7.1060% | 929 |
| Cash dividends to net income (ytd only)* | 65.7842% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 5,078 |
| Loan loss allowance to noncurrent loans | 43.4060% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.3385% | 1,075 |
| Noncurrent loans to loans | 1.6093% | 1,035 |
| Net loans and leases to total assets | 77.1104% | 1,407 |
| Net loans and leases to deposits | 100.2616% | 706 |
| Net loans and leases to core deposits | 112.1524% | 891 |
| Total domestic deposits to total assets | 76.9092% | 4,860 |
| Equity capital to assets | 15.3624% | 609 |
| Core capital (leverage) ratio | 10.0245% | 3,424 |
| Tier 1 risk-based capital ratio | 10.9983% | 5,150 |
| Total risk-based capital ratio | 11.6505% | 5,318 |
| Memoranda: | ||
| Average total assets | $11,542,623,000 | 113 |
| Average earning assets | $10,338,169,000 | 112 |
| Average equity | $1,806,016,000 | 97 |
| Average total loans | $8,880,433,400 | 107 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,271 |
| Cost of funding earning assets | 0.4174% | 3,014 |
| Net interest margin | 3.8790% | 2,112 |
| Noninterest income to average assets | 0.4929% | 3,068 |
| Noninterest expense to average assets | 1.8023% | 5,271 |
| Loan and lease loss provision to assets | 0.1683% | 1,202 |
| Net operating income to assets | 1.3114% | 1,293 |
| Return on assets (ROA) | 1.3117% | 1,328 |
| Pretax return on assets | 1.9967% | 556 |
| Return on Equity (ROE) | 8.3446% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.2045% | 2,740 |
| Net charge-offs to loans | 0.2687% | 807 |
| Credit loss provision to net charge-offs | 81.6108% | 2,560 |
| Earnings coverage of net charge-offs (x) | 10.4945% | 2,588 |
| Efficiency ratio | 44.9894% | 5,451 |
| Assets per employee ($millions) | 7.1838% | 876 |
| Cash dividends to net income (ytd only)* | 37.6305% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 5,123 |
| Loan loss allowance to noncurrent loans | 45.3027% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2770% | 1,265 |
| Noncurrent loans to loans | 1.5629% | 1,192 |
| Net loans and leases to total assets | 76.2364% | 1,550 |
| Net loans and leases to deposits | 99.0270% | 818 |
| Net loans and leases to core deposits | 111.2447% | 963 |
| Total domestic deposits to total assets | 76.9854% | 4,900 |
| Equity capital to assets | 15.7461% | 590 |
| Core capital (leverage) ratio | 10.3937% | 3,095 |
| Tier 1 risk-based capital ratio | 11.5495% | 4,929 |
| Total risk-based capital ratio | 12.2137% | 5,157 |
| Memoranda: | ||
| Average total assets | $11,477,527,250 | 112 |
| Average earning assets | $10,278,674,750 | 111 |
| Average equity | $1,804,213,250 | 99 |
| Average total loans | $8,809,199,500 | 107 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 2,267 |
| Cost of funding earning assets | 0.3906% | 3,171 |
| Net interest margin | 3.8644% | 2,043 |
| Noninterest income to average assets | 0.5213% | 2,892 |
| Noninterest expense to average assets | 1.8130% | 5,295 |
| Loan and lease loss provision to assets | 0.1719% | 1,126 |
| Net operating income to assets | 1.3115% | 1,269 |
| Return on assets (ROA) | 1.3120% | 1,296 |
| Pretax return on assets | 1.9976% | 530 |
| Return on Equity (ROE) | 8.3514% | 2,850 |
| Retained earnings to average equity (ytd only) | 5.4793% | 2,422 |
| Net charge-offs to loans | 0.2823% | 720 |
| Credit loss provision to net charge-offs | 79.3349% | 2,271 |
| Earnings coverage of net charge-offs (x) | 10.0108% | 2,379 |
| Efficiency ratio | 45.0545% | 5,490 |
| Assets per employee ($millions) | 7.0352% | 914 |
| Cash dividends to net income (ytd only)* | 34.3901% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 5,136 |
| Loan loss allowance to noncurrent loans | 51.7262% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,475 |
| Noncurrent loans to loans | 1.4120% | 1,356 |
| Net loans and leases to total assets | 76.1546% | 1,523 |
| Net loans and leases to deposits | 97.2085% | 972 |
| Net loans and leases to core deposits | 109.4317% | 1,030 |
| Total domestic deposits to total assets | 78.3415% | 4,758 |
| Equity capital to assets | 15.8620% | 548 |
| Core capital (leverage) ratio | 10.3546% | 3,063 |
| Tier 1 risk-based capital ratio | 11.6336% | 4,874 |
| Total risk-based capital ratio | 12.3237% | 5,108 |
| Memoranda: | ||
| Average total assets | $11,409,724,670 | 112 |
| Average earning assets | $10,217,136,330 | 111 |
| Average equity | $1,792,520,000 | 99 |
| Average total loans | $8,756,058,330 | 107 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,229 |
| Cost of funding earning assets | 0.3684% | 3,334 |
| Net interest margin | 3.8464% | 1,962 |
| Noninterest income to average assets | 0.4995% | 2,983 |
| Noninterest expense to average assets | 1.8049% | 5,371 |
| Loan and lease loss provision to assets | 0.1409% | 1,337 |
| Net operating income to assets | 1.3229% | 1,184 |
| Return on assets (ROA) | 1.3239% | 1,214 |
| Pretax return on assets | 2.0018% | 501 |
| Return on Equity (ROE) | 8.4679% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.7737% | 2,453 |
| Net charge-offs to loans | 0.3704% | 496 |
| Credit loss provision to net charge-offs | 49.5428% | 1,990 |
| Earnings coverage of net charge-offs (x) | 7.5306% | 2,128 |
| Efficiency ratio | 45.2506% | 5,557 |
| Assets per employee ($millions) | 7.0152% | 952 |
| Cash dividends to net income (ytd only)* | 31.8161% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 5,259 |
| Loan loss allowance to noncurrent loans | 47.3309% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 1,421 |
| Noncurrent loans to loans | 1.5228% | 1,300 |
| Net loans and leases to total assets | 76.0719% | 1,407 |
| Net loans and leases to deposits | 94.7657% | 1,038 |
| Net loans and leases to core deposits | 108.2932% | 956 |
| Total domestic deposits to total assets | 80.2736% | 4,565 |
| Equity capital to assets | 15.7987% | 524 |
| Core capital (leverage) ratio | 10.1162% | 3,356 |
| Tier 1 risk-based capital ratio | 11.7521% | 4,883 |
| Total risk-based capital ratio | 12.4480% | 5,100 |
| Memoranda: | ||
| Average total assets | $11,384,391,500 | 110 |
| Average earning assets | $10,200,957,000 | 111 |
| Average equity | $1,779,857,000 | 97 |
| Average total loans | $8,738,172,500 | 106 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,495 |
| Cost of funding earning assets | 0.3272% | 3,775 |
| Net interest margin | 3.8701% | 2,066 |
| Noninterest income to average assets | 0.4428% | 3,598 |
| Noninterest expense to average assets | 1.8928% | 5,374 |
| Loan and lease loss provision to assets | 0.1853% | 1,273 |
| Net operating income to assets | 1.2399% | 1,378 |
| Return on assets (ROA) | 1.2432% | 1,457 |
| Pretax return on assets | 1.8289% | 743 |
| Return on Equity (ROE) | 8.0554% | 2,905 |
| Retained earnings to average equity (ytd only) | 3.2543% | 3,592 |
| Net charge-offs to loans | 0.1758% | 1,561 |
| Credit loss provision to net charge-offs | 138.9664% | 1,968 |
| Earnings coverage of net charge-offs (x) | 15.0690% | 2,237 |
| Efficiency ratio | 47.7052% | 5,583 |
| Assets per employee ($millions) | 7.0964% | 882 |
| Cash dividends to net income (ytd only)* | 59.6012% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 5,211 |
| Loan loss allowance to noncurrent loans | 53.3099% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 1,563 |
| Noncurrent loans to loans | 1.4266% | 1,424 |
| Net loans and leases to total assets | 76.3018% | 1,466 |
| Net loans and leases to deposits | 99.9079% | 677 |
| Net loans and leases to core deposits | 110.7111% | 851 |
| Total domestic deposits to total assets | 76.3721% | 5,199 |
| Equity capital to assets | 15.4707% | 566 |
| Core capital (leverage) ratio | 9.7770% | 3,774 |
| Tier 1 risk-based capital ratio | 11.3294% | 5,154 |
| Total risk-based capital ratio | 12.0608% | 5,332 |
| Memoranda: | ||
| Average total assets | $10,854,521,000 | 107 |
| Average earning assets | $9,702,679,000 | 109 |
| Average equity | $1,675,236,400 | 98 |
| Average total loans | $8,231,400,600 | 103 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 2,585 |
| Cost of funding earning assets | 0.3214% | 3,853 |
| Net interest margin | 3.8554% | 2,139 |
| Noninterest income to average assets | 0.4232% | 3,745 |
| Noninterest expense to average assets | 1.9404% | 5,306 |
| Loan and lease loss provision to assets | 0.1626% | 1,420 |
| Net operating income to assets | 1.2060% | 1,623 |
| Return on assets (ROA) | 1.2105% | 1,705 |
| Pretax return on assets | 1.7698% | 954 |
| Return on Equity (ROE) | 7.8481% | 3,086 |
| Retained earnings to average equity (ytd only) | 2.9705% | 4,132 |
| Net charge-offs to loans | 0.1573% | 1,436 |
| Credit loss provision to net charge-offs | 136.7920% | 1,900 |
| Earnings coverage of net charge-offs (x) | 16.2029% | 2,132 |
| Efficiency ratio | 49.3657% | 5,538 |
| Assets per employee ($millions) | 7.2306% | 808 |
| Cash dividends to net income (ytd only)* | 62.1502% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 5,327 |
| Loan loss allowance to noncurrent loans | 50.0837% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2078% | 1,646 |
| Noncurrent loans to loans | 1.4865% | 1,450 |
| Net loans and leases to total assets | 74.7731% | 1,744 |
| Net loans and leases to deposits | 100.0775% | 702 |
| Net loans and leases to core deposits | 105.1676% | 1,264 |
| Total domestic deposits to total assets | 74.7152% | 5,369 |
| Equity capital to assets | 15.2884% | 675 |
| Core capital (leverage) ratio | 9.7373% | 3,892 |
| Tier 1 risk-based capital ratio | 11.2946% | 5,202 |
| Total risk-based capital ratio | 12.0134% | 5,402 |
| Memoranda: | ||
| Average total assets | $10,713,614,000 | 107 |
| Average earning assets | $9,568,148,250 | 109 |
| Average equity | $1,652,429,750 | 98 |
| Average total loans | $8,094,496,750 | 104 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,724 |
| Cost of funding earning assets | 0.3144% | 3,969 |
| Net interest margin | 3.8235% | 2,230 |
| Noninterest income to average assets | 0.3583% | 4,206 |
| Noninterest expense to average assets | 1.9401% | 5,388 |
| Loan and lease loss provision to assets | 0.1533% | 1,491 |
| Net operating income to assets | 1.1678% | 1,711 |
| Return on assets (ROA) | 1.1701% | 1,798 |
| Pretax return on assets | 1.6802% | 1,145 |
| Return on Equity (ROE) | 7.5621% | 3,226 |
| Retained earnings to average equity (ytd only) | 1.0970% | 4,945 |
| Net charge-offs to loans | 0.1237% | 1,601 |
| Credit loss provision to net charge-offs | 163.7405% | 1,501 |
| Earnings coverage of net charge-offs (x) | 19.5551% | 1,768 |
| Efficiency ratio | 50.6791% | 5,527 |
| Assets per employee ($millions) | 6.9786% | 882 |
| Cash dividends to net income (ytd only)* | 85.4936% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 5,417 |
| Loan loss allowance to noncurrent loans | 59.1230% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 2,021 |
| Noncurrent loans to loans | 1.2625% | 1,812 |
| Net loans and leases to total assets | 74.6431% | 1,710 |
| Net loans and leases to deposits | 100.6489% | 643 |
| Net loans and leases to core deposits | 105.8507% | 1,191 |
| Total domestic deposits to total assets | 74.1618% | 5,502 |
| Equity capital to assets | 15.1825% | 698 |
| Core capital (leverage) ratio | 10.1436% | 3,395 |
| Tier 1 risk-based capital ratio | 11.0689% | 5,387 |
| Total risk-based capital ratio | 11.7834% | 5,571 |
| Memoranda: | ||
| Average total assets | $10,442,982,000 | 109 |
| Average earning assets | $9,319,278,330 | 110 |
| Average equity | $1,615,882,670 | 100 |
| Average total loans | $7,898,453,330 | 105 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 2,388 |
| Cost of funding earning assets | 0.3199% | 3,948 |
| Net interest margin | 3.9052% | 1,920 |
| Noninterest income to average assets | 0.3800% | 3,987 |
| Noninterest expense to average assets | 1.7163% | 5,737 |
| Loan and lease loss provision to assets | 0.1059% | 1,932 |
| Net operating income to assets | 1.3397% | 1,151 |
| Return on assets (ROA) | 1.3406% | 1,229 |
| Pretax return on assets | 2.0412% | 519 |
| Return on Equity (ROE) | 8.5715% | 2,621 |
| Retained earnings to average equity (ytd only) | -2.3609% | 5,419 |
| Net charge-offs to loans | 0.0977% | 1,543 |
| Credit loss provision to net charge-offs | 142.8339% | 1,309 |
| Earnings coverage of net charge-offs (x) | 28.9528% | 1,201 |
| Efficiency ratio | 43.7031% | 5,881 |
| Assets per employee ($millions) | 6.9552% | 912 |
| Cash dividends to net income (ytd only)* | 127.5434% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 5,312 |
| Loan loss allowance to noncurrent loans | 101.5616% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 2,874 |
| Noncurrent loans to loans | 0.8067% | 2,825 |
| Net loans and leases to total assets | 75.4715% | 1,473 |
| Net loans and leases to deposits | 96.7195% | 871 |
| Net loans and leases to core deposits | 108.6352% | 937 |
| Total domestic deposits to total assets | 78.0313% | 5,142 |
| Equity capital to assets | 15.6608% | 572 |
| Core capital (leverage) ratio | 9.4122% | 4,335 |
| Tier 1 risk-based capital ratio | 11.0027% | 5,503 |
| Total risk-based capital ratio | 11.7910% | 5,633 |
| Memoranda: | ||
| Average total assets | $9,942,061,000 | 112 |
| Average earning assets | $8,864,853,500 | 114 |
| Average equity | $1,555,016,500 | 103 |
| Average total loans | $7,544,175,500 | 109 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,427 |
| Cost of funding earning assets | 0.3139% | 4,091 |
| Net interest margin | 3.9235% | 1,951 |
| Noninterest income to average assets | 0.3417% | 4,468 |
| Noninterest expense to average assets | 1.8254% | 5,707 |
| Loan and lease loss provision to assets | 0.2005% | 1,068 |
| Net operating income to assets | 1.1920% | 1,581 |
| Return on assets (ROA) | 1.1917% | 1,659 |
| Pretax return on assets | 1.7870% | 825 |
| Return on Equity (ROE) | 7.5409% | 3,229 |
| Retained earnings to average equity (ytd only) | 1.1515% | 5,050 |
| Net charge-offs to loans | 0.1425% | 1,924 |
| Credit loss provision to net charge-offs | 190.3426% | 1,452 |
| Earnings coverage of net charge-offs (x) | 18.8760% | 1,984 |
| Efficiency ratio | 46.3925% | 5,906 |
| Assets per employee ($millions) | 6.9693% | 903 |
| Cash dividends to net income (ytd only)* | 84.7297% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 5,380 |
| Loan loss allowance to noncurrent loans | 111.1721% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 2,925 |
| Noncurrent loans to loans | 0.7302% | 2,996 |
| Net loans and leases to total assets | 75.0541% | 1,566 |
| Net loans and leases to deposits | 97.4325% | 872 |
| Net loans and leases to core deposits | 105.3151% | 1,145 |
| Total domestic deposits to total assets | 77.0319% | 5,310 |
| Equity capital to assets | 15.6208% | 574 |
| Core capital (leverage) ratio | 9.6071% | 4,039 |
| Tier 1 risk-based capital ratio | 11.2306% | 5,408 |
| Total risk-based capital ratio | 12.0178% | 5,556 |
| Memoranda: | ||
| Average total assets | $9,782,936,000 | 111 |
| Average earning assets | $8,656,172,600 | 114 |
| Average equity | $1,545,949,600 | 97 |
| Average total loans | $7,232,037,800 | 109 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 2,447 |
| Cost of funding earning assets | 0.3167% | 4,144 |
| Net interest margin | 3.9223% | 1,958 |
| Noninterest income to average assets | 0.3297% | 4,581 |
| Noninterest expense to average assets | 1.8621% | 5,695 |
| Loan and lease loss provision to assets | 0.2152% | 889 |
| Net operating income to assets | 1.1600% | 1,799 |
| Return on assets (ROA) | 1.1623% | 1,854 |
| Pretax return on assets | 1.7224% | 1,049 |
| Return on Equity (ROE) | 7.3339% | 3,446 |
| Retained earnings to average equity (ytd only) | -0.3221% | 5,664 |
| Net charge-offs to loans | 0.1926% | 1,327 |
| Credit loss provision to net charge-offs | 152.0356% | 1,656 |
| Earnings coverage of net charge-offs (x) | 13.6639% | 2,310 |
| Efficiency ratio | 47.3215% | 5,906 |
| Assets per employee ($millions) | 6.9389% | 892 |
| Cash dividends to net income (ytd only)* | 104.3913% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 5,562 |
| Loan loss allowance to noncurrent loans | 83.2763% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 2,719 |
| Noncurrent loans to loans | 0.9377% | 2,625 |
| Net loans and leases to total assets | 74.2332% | 1,697 |
| Net loans and leases to deposits | 98.3575% | 792 |
| Net loans and leases to core deposits | 106.0419% | 1,097 |
| Total domestic deposits to total assets | 75.4729% | 5,575 |
| Equity capital to assets | 15.7362% | 606 |
| Core capital (leverage) ratio | 9.4179% | 4,405 |
| Tier 1 risk-based capital ratio | 11.1951% | 5,553 |
| Total risk-based capital ratio | 11.9485% | 5,730 |
| Memoranda: | ||
| Average total assets | $9,740,632,500 | 114 |
| Average earning assets | $8,608,513,750 | 116 |
| Average equity | $1,543,785,500 | 100 |
| Average total loans | $7,157,390,750 | 112 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,463 |
| Cost of funding earning assets | 0.3220% | 4,132 |
| Net interest margin | 3.9012% | 1,976 |
| Noninterest income to average assets | 0.3076% | 4,754 |
| Noninterest expense to average assets | 1.8952% | 5,716 |
| Loan and lease loss provision to assets | 0.2898% | 549 |
| Net operating income to assets | 1.0277% | 2,247 |
| Return on assets (ROA) | 1.0277% | 2,364 |
| Pretax return on assets | 1.5628% | 1,443 |
| Return on Equity (ROE) | 6.4687% | 3,897 |
| Retained earnings to average equity (ytd only) | 1.3230% | 5,021 |
| Net charge-offs to loans | 0.2810% | 936 |
| Credit loss provision to net charge-offs | 141.2148% | 1,591 |
| Earnings coverage of net charge-offs (x) | 9.0281% | 2,498 |
| Efficiency ratio | 48.3240% | 5,946 |
| Assets per employee ($millions) | 6.7436% | 951 |
| Cash dividends to net income (ytd only)* | 79.5477% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 5,664 |
| Loan loss allowance to noncurrent loans | 81.7439% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 2,682 |
| Noncurrent loans to loans | 0.9444% | 2,763 |
| Net loans and leases to total assets | 73.6757% | 1,713 |
| Net loans and leases to deposits | 97.3454% | 851 |
| Net loans and leases to core deposits | 105.2555% | 1,112 |
| Total domestic deposits to total assets | 75.6848% | 5,635 |
| Equity capital to assets | 15.8903% | 539 |
| Core capital (leverage) ratio | 9.4928% | 4,294 |
| Tier 1 risk-based capital ratio | 11.6213% | 5,392 |
| Total risk-based capital ratio | 12.3743% | 5,579 |
| Memoranda: | ||
| Average total assets | $9,723,935,670 | 116 |
| Average earning assets | $8,574,800,000 | 120 |
| Average equity | $1,544,819,670 | 102 |
| Average total loans | $7,101,464,330 | 113 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 2,578 |
| Cost of funding earning assets | 0.3293% | 4,106 |
| Net interest margin | 3.8364% | 2,113 |
| Noninterest income to average assets | 0.1585% | 5,791 |
| Noninterest expense to average assets | 1.8670% | 5,804 |
| Loan and lease loss provision to assets | 0.3989% | 296 |
| Net operating income to assets | 0.8435% | 3,039 |
| Return on assets (ROA) | 0.8435% | 3,166 |
| Pretax return on assets | 1.2671% | 2,394 |
| Return on Equity (ROE) | 5.3102% | 4,374 |
| Retained earnings to average equity (ytd only) | 0.1619% | 5,319 |
| Net charge-offs to loans | 0.5163% | 484 |
| Credit loss provision to net charge-offs | 106.6792% | 1,544 |
| Earnings coverage of net charge-offs (x) | 4.4559% | 2,493 |
| Efficiency ratio | 50.1475% | 5,907 |
| Assets per employee ($millions) | 6.7567% | 953 |
| Cash dividends to net income (ytd only)* | 96.9516% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 5,831 |
| Loan loss allowance to noncurrent loans | 70.0864% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 2,213 |
| Noncurrent loans to loans | 1.0577% | 2,653 |
| Net loans and leases to total assets | 71.8016% | 1,840 |
| Net loans and leases to deposits | 93.5935% | 1,029 |
| Net loans and leases to core deposits | 101.6011% | 1,212 |
| Total domestic deposits to total assets | 76.7165% | 5,663 |
| Equity capital to assets | 15.8007% | 567 |
| Core capital (leverage) ratio | 9.5584% | 4,190 |
| Tier 1 risk-based capital ratio | 11.8808% | 5,320 |
| Total risk-based capital ratio | 12.6178% | 5,534 |
| Memoranda: | ||
| Average total assets | $9,706,896,000 | 116 |
| Average earning assets | $8,538,010,000 | 119 |
| Average equity | $1,541,940,500 | 100 |
| Average total loans | $7,029,590,500 | 112 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,113 |
| Cost of funding earning assets | 0.3533% | 4,218 |
| Net interest margin | 4.0824% | 1,640 |
| Noninterest income to average assets | 0.1684% | 5,849 |
| Noninterest expense to average assets | 1.9493% | 5,858 |
| Loan and lease loss provision to assets | 0.0521% | 3,515 |
| Net operating income to assets | 1.1374% | 1,827 |
| Return on assets (ROA) | 1.1383% | 1,890 |
| Pretax return on assets | 1.7285% | 925 |
| Return on Equity (ROE) | 7.0268% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.3477% | 4,556 |
| Net charge-offs to loans | 0.1363% | 2,655 |
| Credit loss provision to net charge-offs | 53.4458% | 3,414 |
| Earnings coverage of net charge-offs (x) | 18.2585% | 1,856 |
| Efficiency ratio | 48.3194% | 6,174 |
| Assets per employee ($millions) | 6.6415% | 983 |
| Cash dividends to net income (ytd only)* | 66.5898% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 5,903 |
| Loan loss allowance to noncurrent loans | 74.8357% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 2,427 |
| Noncurrent loans to loans | 0.9911% | 2,852 |
| Net loans and leases to total assets | 71.9626% | 1,918 |
| Net loans and leases to deposits | 95.7336% | 922 |
| Net loans and leases to core deposits | 104.4093% | 1,105 |
| Total domestic deposits to total assets | 75.1697% | 5,839 |
| Equity capital to assets | 15.9705% | 540 |
| Core capital (leverage) ratio | 9.4306% | 4,340 |
| Tier 1 risk-based capital ratio | 12.2797% | 5,172 |
| Total risk-based capital ratio | 13.0334% | 5,412 |
| Memoranda: | ||
| Average total assets | $9,366,539,000 | 117 |
| Average earning assets | $8,168,074,600 | 117 |
| Average equity | $1,517,383,000 | 100 |
| Average total loans | $6,694,469,400 | 111 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 2,038 |
| Cost of funding earning assets | 0.3583% | 4,251 |
| Net interest margin | 4.0957% | 1,591 |
| Noninterest income to average assets | 0.1599% | 5,954 |
| Noninterest expense to average assets | 1.9880% | 5,790 |
| Loan and lease loss provision to assets | 0.0224% | 3,960 |
| Net operating income to assets | 1.1299% | 1,932 |
| Return on assets (ROA) | 1.1307% | 1,993 |
| Pretax return on assets | 1.7166% | 1,033 |
| Return on Equity (ROE) | 6.9542% | 3,729 |
| Retained earnings to average equity (ytd only) | 0.6932% | 5,596 |
| Net charge-offs to loans | 0.2036% | 1,843 |
| Credit loss provision to net charge-offs | 15.4204% | 3,627 |
| Earnings coverage of net charge-offs (x) | 11.9870% | 2,355 |
| Efficiency ratio | 48.9241% | 6,161 |
| Assets per employee ($millions) | 6.5367% | 1,008 |
| Cash dividends to net income (ytd only)* | 90.0318% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7001% | 6,101 |
| Loan loss allowance to noncurrent loans | 60.0392% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 2,248 |
| Noncurrent loans to loans | 1.1660% | 2,730 |
| Net loans and leases to total assets | 71.9532% | 1,859 |
| Net loans and leases to deposits | 95.4947% | 923 |
| Net loans and leases to core deposits | 104.6025% | 1,065 |
| Total domestic deposits to total assets | 75.3478% | 5,890 |
| Equity capital to assets | 16.1007% | 547 |
| Core capital (leverage) ratio | 9.4575% | 4,432 |
| Tier 1 risk-based capital ratio | 12.2951% | 5,304 |
| Total risk-based capital ratio | 13.0130% | 5,557 |
| Memoranda: | ||
| Average total assets | $9,298,961,750 | 118 |
| Average earning assets | $8,095,661,000 | 117 |
| Average equity | $1,511,965,750 | 102 |
| Average total loans | $6,621,399,000 | 111 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 1,908 |
| Cost of funding earning assets | 0.3623% | 4,294 |
| Net interest margin | 4.1135% | 1,468 |
| Noninterest income to average assets | 0.0943% | 6,303 |
| Noninterest expense to average assets | 2.0300% | 5,776 |
| Loan and lease loss provision to assets | -0.0257% | 6,254 |
| Net operating income to assets | 1.0724% | 2,032 |
| Return on assets (ROA) | 1.0725% | 2,111 |
| Pretax return on assets | 1.6635% | 1,106 |
| Return on Equity (ROE) | 6.5744% | 3,850 |
| Retained earnings to average equity (ytd only) | 2.0807% | 4,858 |
| Net charge-offs to loans | 0.2388% | 1,613 |
| Credit loss provision to net charge-offs | -15.1766% | 5,090 |
| Earnings coverage of net charge-offs (x) | 9.6873% | 2,333 |
| Efficiency ratio | 50.1993% | 6,162 |
| Assets per employee ($millions) | 6.4592% | 1,035 |
| Cash dividends to net income (ytd only)* | 68.3513% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 6,167 |
| Loan loss allowance to noncurrent loans | 57.9778% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.4569% | 2,237 |
| Noncurrent loans to loans | 1.2148% | 2,803 |
| Net loans and leases to total assets | 71.3957% | 1,844 |
| Net loans and leases to deposits | 93.7782% | 975 |
| Net loans and leases to core deposits | 100.7937% | 1,220 |
| Total domestic deposits to total assets | 76.1325% | 5,901 |
| Equity capital to assets | 16.3626% | 494 |
| Core capital (leverage) ratio | 9.5854% | 4,199 |
| Tier 1 risk-based capital ratio | 12.5584% | 5,188 |
| Total risk-based capital ratio | 13.2799% | 5,461 |
| Memoranda: | ||
| Average total assets | $9,276,236,670 | 118 |
| Average earning assets | $8,058,374,000 | 117 |
| Average equity | $1,513,229,330 | 101 |
| Average total loans | $6,566,041,330 | 112 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 1,940 |
| Cost of funding earning assets | 0.3665% | 4,361 |
| Net interest margin | 4.0913% | 1,481 |
| Noninterest income to average assets | 0.1760% | 5,914 |
| Noninterest expense to average assets | 2.0475% | 5,790 |
| Loan and lease loss provision to assets | -0.1161% | 6,511 |
| Net operating income to assets | 1.1536% | 1,615 |
| Return on assets (ROA) | 1.1538% | 1,686 |
| Pretax return on assets | 1.7976% | 798 |
| Return on Equity (ROE) | 7.0837% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.0837% | 2,001 |
| Net charge-offs to loans | 0.3826% | 953 |
| Credit loss provision to net charge-offs | -43.2059% | 4,740 |
| Earnings coverage of net charge-offs (x) | 6.2584% | 2,248 |
| Efficiency ratio | 49.4839% | 6,287 |
| Assets per employee ($millions) | 6.3630% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 6,248 |
| Loan loss allowance to noncurrent loans | 51.3085% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.8215% | 1,918 |
| Noncurrent loans to loans | 1.4070% | 2,678 |
| Net loans and leases to total assets | 69.9458% | 1,894 |
| Net loans and leases to deposits | 89.3512% | 1,216 |
| Net loans and leases to core deposits | 93.4260% | 1,601 |
| Total domestic deposits to total assets | 78.2818% | 5,790 |
| Equity capital to assets | 16.4601% | 466 |
| Core capital (leverage) ratio | 9.7560% | 3,921 |
| Tier 1 risk-based capital ratio | 12.9008% | 5,059 |
| Total risk-based capital ratio | 13.6378% | 5,318 |
| Memoranda: | ||
| Average total assets | $9,270,222,000 | 118 |
| Average earning assets | $8,050,250,000 | 117 |
| Average equity | $1,509,941,000 | 98 |
| Average total loans | $6,509,831,500 | 116 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 1,908 |
| Cost of funding earning assets | 0.4361% | 4,251 |
| Net interest margin | 4.1534% | 1,486 |
| Noninterest income to average assets | 0.4168% | 4,326 |
| Noninterest expense to average assets | 2.1833% | 5,671 |
| Loan and lease loss provision to assets | 0.0077% | 4,974 |
| Net operating income to assets | 1.1753% | 1,664 |
| Return on assets (ROA) | 1.1703% | 1,739 |
| Pretax return on assets | 1.8086% | 743 |
| Return on Equity (ROE) | 7.1729% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.2688% | 3,905 |
| Net charge-offs to loans | 0.3121% | 2,122 |
| Credit loss provision to net charge-offs | 3.5464% | 4,668 |
| Earnings coverage of net charge-offs (x) | 8.4267% | 2,674 |
| Efficiency ratio | 49.2503% | 6,431 |
| Assets per employee ($millions) | 6.3230% | 1,075 |
| Cash dividends to net income (ytd only)* | 54.4279% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,024 |
| Loan loss allowance to noncurrent loans | 46.1026% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 1.8781% | 1,940 |
| Noncurrent loans to loans | 1.8745% | 2,142 |
| Net loans and leases to total assets | 69.3868% | 2,111 |
| Net loans and leases to deposits | 89.4409% | 1,290 |
| Net loans and leases to core deposits | 93.6276% | 1,626 |
| Total domestic deposits to total assets | 77.5784% | 5,890 |
| Equity capital to assets | 16.1161% | 509 |
| Core capital (leverage) ratio | 9.2890% | 4,575 |
| Tier 1 risk-based capital ratio | 12.5656% | 5,248 |
| Total risk-based capital ratio | 13.4535% | 5,422 |
| Memoranda: | ||
| Average total assets | $9,105,596,400 | 120 |
| Average earning assets | $7,871,788,600 | 119 |
| Average equity | $1,485,642,200 | 97 |
| Average total loans | $6,315,708,400 | 112 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,891 |
| Cost of funding earning assets | 0.4473% | 4,303 |
| Net interest margin | 4.1564% | 1,463 |
| Noninterest income to average assets | 0.4386% | 4,233 |
| Noninterest expense to average assets | 2.2344% | 5,521 |
| Loan and lease loss provision to assets | 0.0232% | 4,545 |
| Net operating income to assets | 1.1385% | 1,858 |
| Return on assets (ROA) | 1.1319% | 1,949 |
| Pretax return on assets | 1.7591% | 978 |
| Return on Equity (ROE) | 6.9157% | 3,702 |
| Retained earnings to average equity (ytd only) | 4.7588% | 3,262 |
| Net charge-offs to loans | 0.4419% | 1,456 |
| Credit loss provision to net charge-offs | 7.5709% | 4,248 |
| Earnings coverage of net charge-offs (x) | 5.8621% | 3,088 |
| Efficiency ratio | 50.2235% | 6,385 |
| Assets per employee ($millions) | 6.1319% | 1,146 |
| Cash dividends to net income (ytd only)* | 31.1883% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 6,112 |
| Loan loss allowance to noncurrent loans | 42.4721% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.0646% | 1,947 |
| Noncurrent loans to loans | 2.0672% | 2,174 |
| Net loans and leases to total assets | 69.0744% | 2,129 |
| Net loans and leases to deposits | 90.6814% | 1,090 |
| Net loans and leases to core deposits | 95.6727% | 1,424 |
| Total domestic deposits to total assets | 76.1727% | 6,152 |
| Equity capital to assets | 16.4699% | 474 |
| Core capital (leverage) ratio | 9.4549% | 4,469 |
| Tier 1 risk-based capital ratio | 12.9193% | 5,177 |
| Total risk-based capital ratio | 13.8298% | 5,351 |
| Memoranda: | ||
| Average total assets | $9,064,610,500 | 120 |
| Average earning assets | $7,825,998,750 | 120 |
| Average equity | $1,483,581,250 | 97 |
| Average total loans | $6,272,659,250 | 112 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,938 |
| Cost of funding earning assets | 0.4616% | 4,293 |
| Net interest margin | 4.1101% | 1,510 |
| Noninterest income to average assets | 0.5076% | 3,777 |
| Noninterest expense to average assets | 2.2461% | 5,510 |
| Loan and lease loss provision to assets | 0.0892% | 3,298 |
| Net operating income to assets | 1.1007% | 1,924 |
| Return on assets (ROA) | 1.1007% | 2,038 |
| Pretax return on assets | 1.7198% | 1,073 |
| Return on Equity (ROE) | 6.7393% | 3,746 |
| Retained earnings to average equity (ytd only) | 3.4892% | 4,099 |
| Net charge-offs to loans | 0.6026% | 1,099 |
| Credit loss provision to net charge-offs | 21.4472% | 3,705 |
| Earnings coverage of net charge-offs (x) | 4.3486% | 3,155 |
| Efficiency ratio | 50.0905% | 6,427 |
| Assets per employee ($millions) | 6.0737% | 1,148 |
| Cash dividends to net income (ytd only)* | 48.2267% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 5,955 |
| Loan loss allowance to noncurrent loans | 44.0375% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1384% | 2,017 |
| Noncurrent loans to loans | 2.1835% | 2,195 |
| Net loans and leases to total assets | 68.1309% | 2,205 |
| Net loans and leases to deposits | 89.8064% | 1,169 |
| Net loans and leases to core deposits | 94.9014% | 1,446 |
| Total domestic deposits to total assets | 75.8642% | 6,263 |
| Equity capital to assets | 16.2805% | 492 |
| Core capital (leverage) ratio | 9.1801% | 4,724 |
| Tier 1 risk-based capital ratio | 12.7427% | 5,334 |
| Total risk-based capital ratio | 13.7532% | 5,437 |
| Memoranda: | ||
| Average total assets | $9,042,659,330 | 120 |
| Average earning assets | $7,804,929,670 | 120 |
| Average equity | $1,476,849,000 | 98 |
| Average total loans | $6,242,652,000 | 111 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,956 |
| Cost of funding earning assets | 0.4831% | 4,261 |
| Net interest margin | 4.0754% | 1,537 |
| Noninterest income to average assets | 0.5666% | 3,334 |
| Noninterest expense to average assets | 2.3417% | 5,299 |
| Loan and lease loss provision to assets | 0.0237% | 4,170 |
| Net operating income to assets | 1.0981% | 1,860 |
| Return on assets (ROA) | 1.0981% | 1,968 |
| Pretax return on assets | 1.7101% | 1,048 |
| Return on Equity (ROE) | 6.7127% | 3,650 |
| Retained earnings to average equity (ytd only) | 0.1960% | 5,719 |
| Net charge-offs to loans | 0.3862% | 1,488 |
| Credit loss provision to net charge-offs | 8.8793% | 3,162 |
| Earnings coverage of net charge-offs (x) | 6.4909% | 2,209 |
| Efficiency ratio | 52.1344% | 6,371 |
| Assets per employee ($millions) | 5.8353% | 1,387 |
| Cash dividends to net income (ytd only)* | 97.0795% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 5,513 |
| Loan loss allowance to noncurrent loans | 49.6551% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 2.2825% | 2,045 |
| Noncurrent loans to loans | 2.2647% | 2,312 |
| Net loans and leases to total assets | 68.5011% | 1,923 |
| Net loans and leases to deposits | 88.0676% | 1,142 |
| Net loans and leases to core deposits | 92.8278% | 1,430 |
| Total domestic deposits to total assets | 77.7824% | 6,144 |
| Equity capital to assets | 16.4878% | 493 |
| Core capital (leverage) ratio | 8.9363% | 4,992 |
| Tier 1 risk-based capital ratio | 12.4007% | 5,640 |
| Total risk-based capital ratio | 13.5825% | 5,647 |
| Memoranda: | ||
| Average total assets | $9,005,678,500 | 124 |
| Average earning assets | $7,753,763,500 | 125 |
| Average equity | $1,473,156,500 | 99 |
| Average total loans | $6,228,206,500 | 112 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 2,088 |
| Cost of funding earning assets | 0.6129% | 4,229 |
| Net interest margin | 4.2185% | 1,606 |
| Noninterest income to average assets | 0.4818% | 4,029 |
| Noninterest expense to average assets | 2.2826% | 5,738 |
| Loan and lease loss provision to assets | 0.4142% | 1,550 |
| Net operating income to assets | 0.8660% | 2,979 |
| Return on assets (ROA) | 0.9178% | 2,965 |
| Pretax return on assets | 1.4608% | 1,812 |
| Return on Equity (ROE) | 5.5539% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.1520% | 4,720 |
| Net charge-offs to loans | 0.5669% | 2,031 |
| Credit loss provision to net charge-offs | 110.6628% | 2,643 |
| Earnings coverage of net charge-offs (x) | 4.7938% | 3,252 |
| Efficiency ratio | 50.5564% | 6,553 |
| Assets per employee ($millions) | 5.8452% | 1,398 |
| Cash dividends to net income (ytd only)* | 61.2522% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,122 |
| Loan loss allowance to noncurrent loans | 47.7617% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 2.4220% | 2,023 |
| Noncurrent loans to loans | 2.5083% | 2,104 |
| Net loans and leases to total assets | 68.2120% | 2,149 |
| Net loans and leases to deposits | 87.9025% | 1,292 |
| Net loans and leases to core deposits | 93.0837% | 1,548 |
| Total domestic deposits to total assets | 77.5996% | 6,145 |
| Equity capital to assets | 16.2305% | 514 |
| Core capital (leverage) ratio | 8.6874% | 5,345 |
| Tier 1 risk-based capital ratio | 12.1777% | 5,668 |
| Total risk-based capital ratio | 13.4278% | 5,626 |
| Memoranda: | ||
| Average total assets | $8,840,856,000 | 122 |
| Average earning assets | $7,533,962,000 | 125 |
| Average equity | $1,460,946,600 | 92 |
| Average total loans | $5,836,234,000 | 112 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 2,277 |
| Cost of funding earning assets | 0.6348% | 4,318 |
| Net interest margin | 4.1970% | 1,745 |
| Noninterest income to average assets | 0.4631% | 4,189 |
| Noninterest expense to average assets | 2.3012% | 5,673 |
| Loan and lease loss provision to assets | 0.4041% | 1,584 |
| Net operating income to assets | 0.8311% | 3,303 |
| Return on assets (ROA) | 0.8841% | 3,295 |
| Pretax return on assets | 1.4123% | 2,194 |
| Return on Equity (ROE) | 5.3255% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.1489% | 4,660 |
| Net charge-offs to loans | 0.6119% | 1,796 |
| Credit loss provision to net charge-offs | 101.2401% | 2,915 |
| Earnings coverage of net charge-offs (x) | 4.3435% | 3,330 |
| Efficiency ratio | 51.4997% | 6,492 |
| Assets per employee ($millions) | 5.7393% | 1,422 |
| Cash dividends to net income (ytd only)* | 40.8724% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,425 |
| Loan loss allowance to noncurrent loans | 41.9728% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 2.6610% | 1,979 |
| Noncurrent loans to loans | 2.7897% | 2,017 |
| Net loans and leases to total assets | 67.3281% | 2,399 |
| Net loans and leases to deposits | 88.0895% | 1,337 |
| Net loans and leases to core deposits | 93.3976% | 1,634 |
| Total domestic deposits to total assets | 76.4314% | 6,324 |
| Equity capital to assets | 16.4249% | 541 |
| Core capital (leverage) ratio | 8.7503% | 5,402 |
| Tier 1 risk-based capital ratio | 12.4482% | 5,677 |
| Total risk-based capital ratio | 13.6871% | 5,656 |
| Memoranda: | ||
| Average total assets | $8,781,676,250 | 122 |
| Average earning assets | $7,473,516,250 | 125 |
| Average equity | $1,457,850,250 | 94 |
| Average total loans | $5,728,524,250 | 114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 2,610 |
| Cost of funding earning assets | 0.6430% | 4,502 |
| Net interest margin | 4.1313% | 1,966 |
| Noninterest income to average assets | 0.4487% | 4,302 |
| Noninterest expense to average assets | 2.2125% | 5,964 |
| Loan and lease loss provision to assets | 0.4670% | 1,364 |
| Net operating income to assets | 0.8196% | 3,304 |
| Return on assets (ROA) | 0.8646% | 3,331 |
| Pretax return on assets | 1.3429% | 2,412 |
| Return on Equity (ROE) | 5.1894% | 4,714 |
| Retained earnings to average equity (ytd only) | 1.9077% | 5,247 |
| Net charge-offs to loans | 0.8791% | 1,251 |
| Credit loss provision to net charge-offs | 82.7055% | 3,250 |
| Earnings coverage of net charge-offs (x) | 3.0806% | 3,514 |
| Efficiency ratio | 50.2729% | 6,628 |
| Assets per employee ($millions) | 6.1071% | 1,164 |
| Cash dividends to net income (ytd only)* | 63.2390% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 5,623 |
| Loan loss allowance to noncurrent loans | 37.7595% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 2.9493% | 1,868 |
| Noncurrent loans to loans | 3.0053% | 1,971 |
| Net loans and leases to total assets | 65.0485% | 2,835 |
| Net loans and leases to deposits | 85.3480% | 1,680 |
| Net loans and leases to core deposits | 90.4679% | 1,936 |
| Total domestic deposits to total assets | 76.2156% | 6,430 |
| Equity capital to assets | 16.1569% | 548 |
| Core capital (leverage) ratio | 8.8177% | 5,190 |
| Tier 1 risk-based capital ratio | 12.2062% | 5,791 |
| Total risk-based capital ratio | 13.3870% | 5,819 |
| Memoranda: | ||
| Average total assets | $8,705,324,670 | 121 |
| Average earning assets | $7,382,393,670 | 124 |
| Average equity | $1,450,464,330 | 94 |
| Average total loans | $5,591,822,670 | 117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 2,056 |
| Cost of funding earning assets | 0.6625% | 4,611 |
| Net interest margin | 4.2924% | 1,490 |
| Noninterest income to average assets | 0.6511% | 2,923 |
| Noninterest expense to average assets | 2.1725% | 6,108 |
| Loan and lease loss provision to assets | 0.8340% | 568 |
| Net operating income to assets | 0.8291% | 3,258 |
| Return on assets (ROA) | 0.8588% | 3,347 |
| Pretax return on assets | 1.3210% | 2,462 |
| Return on Equity (ROE) | 5.0730% | 4,753 |
| Retained earnings to average equity (ytd only) | 5.0730% | 3,511 |
| Net charge-offs to loans | 1.0584% | 974 |
| Credit loss provision to net charge-offs | 124.2612% | 1,923 |
| Earnings coverage of net charge-offs (x) | 3.1428% | 2,947 |
| Efficiency ratio | 45.3406% | 6,933 |
| Assets per employee ($millions) | 5.8603% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,668 |
| Loan loss allowance to noncurrent loans | 34.9889% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 3.5962% | 1,584 |
| Noncurrent loans to loans | 3.9652% | 1,546 |
| Net loans and leases to total assets | 61.6995% | 3,319 |
| Net loans and leases to deposits | 81.1940% | 2,036 |
| Net loans and leases to core deposits | 86.3445% | 2,251 |
| Total domestic deposits to total assets | 75.9903% | 6,545 |
| Equity capital to assets | 16.8672% | 448 |
| Core capital (leverage) ratio | 9.0505% | 4,765 |
| Tier 1 risk-based capital ratio | 13.7068% | 4,672 |
| Total risk-based capital ratio | 14.9596% | 4,657 |
| Memoranda: | ||
| Average total assets | $8,550,963,000 | 122 |
| Average earning assets | $7,233,129,500 | 128 |
| Average equity | $1,447,503,000 | 93 |
| Average total loans | $5,422,330,000 | 119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4727% | 1,233 |
| Cost of funding earning assets | 0.8377% | 4,564 |
| Net interest margin | 4.6350% | 861 |
| Noninterest income to average assets | 0.2183% | 5,957 |
| Noninterest expense to average assets | 2.4283% | 5,701 |
| Loan and lease loss provision to assets | 0.6965% | 1,471 |
| Net operating income to assets | 0.6266% | 3,849 |
| Return on assets (ROA) | 0.7507% | 3,425 |
| Pretax return on assets | 1.1756% | 2,548 |
| Return on Equity (ROE) | 4.4721% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.3301% | 5,225 |
| Net charge-offs to loans | 0.7707% | 2,227 |
| Credit loss provision to net charge-offs | 142.5463% | 2,042 |
| Earnings coverage of net charge-offs (x) | 3.4348% | 3,523 |
| Efficiency ratio | 53.1998% | 6,586 |
| Assets per employee ($millions) | 5.6613% | 1,468 |
| Cash dividends to net income (ytd only)* | 70.2565% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,827 |
| Loan loss allowance to noncurrent loans | 27.8750% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 4.1509% | 1,369 |
| Noncurrent loans to loans | 4.7217% | 1,240 |
| Net loans and leases to total assets | 63.4289% | 3,304 |
| Net loans and leases to deposits | 84.3197% | 1,879 |
| Net loans and leases to core deposits | 90.0202% | 2,133 |
| Total domestic deposits to total assets | 75.2243% | 6,572 |
| Equity capital to assets | 16.9901% | 442 |
| Core capital (leverage) ratio | 9.0227% | 4,739 |
| Tier 1 risk-based capital ratio | 13.3407% | 4,813 |
| Total risk-based capital ratio | 14.5911% | 4,787 |
| Memoranda: | ||
| Average total assets | $8,284,990,200 | 125 |
| Average earning assets | $6,950,350,200 | 129 |
| Average equity | $1,390,746,400 | 92 |
| Average total loans | $5,252,980,600 | 119 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6721% | 893 |
| Cost of funding earning assets | 0.8736% | 4,610 |
| Net interest margin | 4.7985% | 625 |
| Noninterest income to average assets | 0.1791% | 6,305 |
| Noninterest expense to average assets | 2.4330% | 5,681 |
| Loan and lease loss provision to assets | 0.8764% | 1,037 |
| Net operating income to assets | 0.5657% | 4,243 |
| Return on assets (ROA) | 0.7091% | 3,732 |
| Pretax return on assets | 1.1174% | 2,931 |
| Return on Equity (ROE) | 4.2372% | 4,894 |
| Retained earnings to average equity (ytd only) | 2.1398% | 5,063 |
| Net charge-offs to loans | 0.9464% | 1,707 |
| Credit loss provision to net charge-offs | 146.5749% | 2,149 |
| Earnings coverage of net charge-offs (x) | 2.9600% | 3,662 |
| Efficiency ratio | 52.0208% | 6,674 |
| Assets per employee ($millions) | 5.4978% | 1,602 |
| Cash dividends to net income (ytd only)* | 49.5003% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,650 |
| Loan loss allowance to noncurrent loans | 23.5750% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 4.9308% | 1,176 |
| Noncurrent loans to loans | 5.8423% | 974 |
| Net loans and leases to total assets | 62.6627% | 3,578 |
| Net loans and leases to deposits | 81.6540% | 2,424 |
| Net loans and leases to core deposits | 87.4304% | 2,570 |
| Total domestic deposits to total assets | 76.7417% | 6,416 |
| Equity capital to assets | 17.6953% | 425 |
| Core capital (leverage) ratio | 9.0582% | 4,839 |
| Tier 1 risk-based capital ratio | 14.2825% | 4,139 |
| Total risk-based capital ratio | 15.5358% | 4,098 |
| Memoranda: | ||
| Average total assets | $8,241,737,250 | 126 |
| Average earning assets | $6,911,062,250 | 130 |
| Average equity | $1,379,177,500 | 94 |
| Average total loans | $5,207,133,750 | 120 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8459% | 658 |
| Cost of funding earning assets | 0.9061% | 4,613 |
| Net interest margin | 4.9397% | 442 |
| Noninterest income to average assets | 0.1627% | 6,491 |
| Noninterest expense to average assets | 2.4766% | 5,622 |
| Loan and lease loss provision to assets | 0.9204% | 972 |
| Net operating income to assets | 0.5721% | 4,204 |
| Return on assets (ROA) | 0.6935% | 3,691 |
| Pretax return on assets | 1.0953% | 2,870 |
| Return on Equity (ROE) | 4.2245% | 4,824 |
| Retained earnings to average equity (ytd only) | 1.0262% | 5,450 |
| Net charge-offs to loans | 1.0230% | 1,543 |
| Credit loss provision to net charge-offs | 142.6642% | 2,142 |
| Earnings coverage of net charge-offs (x) | 2.8303% | 3,429 |
| Efficiency ratio | 51.7654% | 6,806 |
| Assets per employee ($millions) | 5.4511% | 1,612 |
| Cash dividends to net income (ytd only)* | 75.7093% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 5,205 |
| Loan loss allowance to noncurrent loans | 20.8129% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 5.1364% | 1,188 |
| Noncurrent loans to loans | 6.0968% | 966 |
| Net loans and leases to total assets | 61.8187% | 3,920 |
| Net loans and leases to deposits | 81.1304% | 2,593 |
| Net loans and leases to core deposits | 86.9466% | 2,770 |
| Total domestic deposits to total assets | 76.1968% | 6,569 |
| Equity capital to assets | 17.3000% | 454 |
| Core capital (leverage) ratio | 8.6858% | 5,247 |
| Tier 1 risk-based capital ratio | 14.0887% | 4,105 |
| Total risk-based capital ratio | 15.3408% | 4,075 |
| Memoranda: | ||
| Average total assets | $8,263,889,000 | 124 |
| Average earning assets | $6,925,701,000 | 129 |
| Average equity | $1,356,689,000 | 96 |
| Average total loans | $5,211,381,000 | 120 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8849% | 617 |
| Cost of funding earning assets | 0.9459% | 4,607 |
| Net interest margin | 4.9390% | 426 |
| Noninterest income to average assets | -0.0143% | 7,327 |
| Noninterest expense to average assets | 2.7766% | 4,539 |
| Loan and lease loss provision to assets | 0.7752% | 1,100 |
| Net operating income to assets | 0.3725% | 5,063 |
| Return on assets (ROA) | 0.5672% | 4,269 |
| Pretax return on assets | 0.8578% | 3,670 |
| Return on Equity (ROE) | 3.5504% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.5504% | 4,057 |
| Net charge-offs to loans | 0.7202% | 1,776 |
| Credit loss provision to net charge-offs | 170.0659% | 1,700 |
| Earnings coverage of net charge-offs (x) | 2.9353% | 2,907 |
| Efficiency ratio | 61.3778% | 5,783 |
| Assets per employee ($millions) | 5.5318% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,728 |
| Loan loss allowance to noncurrent loans | 17.8459% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 5.7603% | 1,026 |
| Noncurrent loans to loans | 6.6012% | 886 |
| Net loans and leases to total assets | 61.8395% | 3,889 |
| Net loans and leases to deposits | 79.2295% | 2,853 |
| Net loans and leases to core deposits | 85.3578% | 2,982 |
| Total domestic deposits to total assets | 78.0511% | 6,370 |
| Equity capital to assets | 16.0013% | 577 |
| Core capital (leverage) ratio | 7.3589% | 6,820 |
| Tier 1 risk-based capital ratio | 11.8975% | 5,785 |
| Total risk-based capital ratio | 13.1483% | 5,776 |
| Memoranda: | ||
| Average total assets | $8,261,138,500 | 128 |
| Average earning assets | $6,906,039,500 | 134 |
| Average equity | $1,319,731,500 | 101 |
| Average total loans | $5,228,205,000 | 121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 1,919 |
| Cost of funding earning assets | 1.2030% | 4,547 |
| Net interest margin | 4.3904% | 1,508 |
| Noninterest income to average assets | 0.6099% | 3,403 |
| Noninterest expense to average assets | 2.3420% | 6,238 |
| Loan and lease loss provision to assets | 0.6919% | 2,378 |
| Net operating income to assets | 0.8075% | 2,767 |
| Return on assets (ROA) | 0.9056% | 2,500 |
| Pretax return on assets | 1.4007% | 1,665 |
| Return on Equity (ROE) | 5.4946% | 3,840 |
| Retained earnings to average equity (ytd only) | 2.4405% | 4,171 |
| Net charge-offs to loans | 0.6225% | 3,166 |
| Credit loss provision to net charge-offs | 171.7958% | 1,966 |
| Earnings coverage of net charge-offs (x) | 4.8213% | 2,790 |
| Efficiency ratio | 48.5613% | 7,232 |
| Assets per employee ($millions) | 5.5089% | 1,571 |
| Cash dividends to net income (ytd only)* | 55.5834% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 6,246 |
| Loan loss allowance to noncurrent loans | 15.9461% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 5.7264% | 1,064 |
| Noncurrent loans to loans | 6.4468% | 936 |
| Net loans and leases to total assets | 63.3395% | 3,998 |
| Net loans and leases to deposits | 79.6996% | 3,228 |
| Net loans and leases to core deposits | 86.9618% | 3,190 |
| Total domestic deposits to total assets | 79.4728% | 5,977 |
| Equity capital to assets | 15.9490% | 590 |
| Core capital (leverage) ratio | 7.1138% | 6,965 |
| Tier 1 risk-based capital ratio | 11.5632% | 5,852 |
| Total risk-based capital ratio | 12.7302% | 5,928 |
| Memoranda: | ||
| Average total assets | $7,177,387,200 | 139 |
| Average earning assets | $6,006,041,600 | 146 |
| Average equity | $1,182,911,600 | 106 |
| Average total loans | $4,643,553,800 | 129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4889% | 2,474 |
| Cost of funding earning assets | 1.2418% | 4,611 |
| Net interest margin | 4.2471% | 2,043 |
| Noninterest income to average assets | 0.6192% | 3,320 |
| Noninterest expense to average assets | 2.2911% | 6,354 |
| Loan and lease loss provision to assets | 0.8119% | 1,865 |
| Net operating income to assets | 0.7004% | 3,411 |
| Return on assets (ROA) | 0.8364% | 2,986 |
| Pretax return on assets | 1.2804% | 2,228 |
| Return on Equity (ROE) | 5.0265% | 4,276 |
| Retained earnings to average equity (ytd only) | 2.7850% | 4,483 |
| Net charge-offs to loans | 0.5952% | 2,957 |
| Credit loss provision to net charge-offs | 210.1474% | 1,670 |
| Earnings coverage of net charge-offs (x) | 4.8739% | 2,909 |
| Efficiency ratio | 48.5993% | 7,235 |
| Assets per employee ($millions) | 5.3464% | 1,771 |
| Cash dividends to net income (ytd only)* | 44.5939% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 6,274 |
| Loan loss allowance to noncurrent loans | 16.5504% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 5.6638% | 1,079 |
| Noncurrent loans to loans | 6.2126% | 985 |
| Net loans and leases to total assets | 64.6473% | 3,985 |
| Net loans and leases to deposits | 83.3075% | 2,835 |
| Net loans and leases to core deposits | 90.2232% | 3,063 |
| Total domestic deposits to total assets | 77.6008% | 6,346 |
| Equity capital to assets | 15.8601% | 706 |
| Core capital (leverage) ratio | 7.0201% | 7,154 |
| Tier 1 risk-based capital ratio | 11.4095% | 6,013 |
| Total risk-based capital ratio | 12.6125% | 6,031 |
| Memoranda: | ||
| Average total assets | $6,907,282,000 | 142 |
| Average earning assets | $5,781,558,000 | 146 |
| Average equity | $1,149,380,000 | 111 |
| Average total loans | $4,483,247,000 | 134 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 4,891 |
| Cost of funding earning assets | 1.2699% | 4,715 |
| Net interest margin | 3.7417% | 4,174 |
| Noninterest income to average assets | 0.7175% | 2,594 |
| Noninterest expense to average assets | 1.9905% | 7,129 |
| Loan and lease loss provision to assets | 0.5916% | 2,419 |
| Net operating income to assets | 0.8279% | 2,834 |
| Return on assets (ROA) | 1.0472% | 2,098 |
| Pretax return on assets | 1.6202% | 1,248 |
| Return on Equity (ROE) | 6.1692% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.6389% | 4,462 |
| Net charge-offs to loans | 0.7843% | 2,284 |
| Credit loss provision to net charge-offs | 116.5425% | 3,483 |
| Earnings coverage of net charge-offs (x) | 3.6924% | 3,211 |
| Efficiency ratio | 46.3917% | 7,421 |
| Assets per employee ($millions) | 5.9678% | 1,252 |
| Cash dividends to net income (ytd only)* | 57.2245% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 7,307 |
| Loan loss allowance to noncurrent loans | 9.5122% | 7,270 |
| Noncurrent assets plus other real estate owned to assets | 5.9225% | 1,003 |
| Noncurrent loans to loans | 7.0269% | 807 |
| Net loans and leases to total assets | 63.7598% | 4,308 |
| Net loans and leases to deposits | 83.5419% | 2,966 |
| Net loans and leases to core deposits | 89.9782% | 3,267 |
| Total domestic deposits to total assets | 76.3207% | 6,622 |
| Equity capital to assets | 15.4462% | 784 |
| Core capital (leverage) ratio | 8.8314% | 4,862 |
| Tier 1 risk-based capital ratio | 11.0203% | 6,219 |
| Total risk-based capital ratio | 11.8098% | 6,635 |
| Memoranda: | ||
| Average total assets | $6,449,205,670 | 148 |
| Average earning assets | $5,424,862,330 | 152 |
| Average equity | $1,094,688,670 | 111 |
| Average total loans | $4,174,531,670 | 138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 2,780 |
| Cost of funding earning assets | 1.4849% | 3,655 |
| Net interest margin | 3.9749% | 2,977 |
| Noninterest income to average assets | 0.6111% | 3,201 |
| Noninterest expense to average assets | 2.1282% | 6,868 |
| Loan and lease loss provision to assets | 0.8384% | 1,506 |
| Net operating income to assets | 0.5826% | 3,978 |
| Return on assets (ROA) | 0.8798% | 2,710 |
| Pretax return on assets | 1.4796% | 1,570 |
| Return on Equity (ROE) | 4.8448% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.8448% | 3,244 |
| Net charge-offs to loans | 1.0797% | 1,545 |
| Credit loss provision to net charge-offs | 119.1938% | 2,924 |
| Earnings coverage of net charge-offs (x) | 2.6352% | 3,219 |
| Efficiency ratio | 48.2134% | 7,426 |
| Assets per employee ($millions) | 5.8514% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,520 |
| Loan loss allowance to noncurrent loans | 61.5347% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 4,796 |
| Noncurrent loans to loans | 1.6057% | 4,333 |
| Net loans and leases to total assets | 63.8352% | 4,368 |
| Net loans and leases to deposits | 85.3839% | 2,706 |
| Net loans and leases to core deposits | 96.1279% | 2,572 |
| Total domestic deposits to total assets | 74.7626% | 6,934 |
| Equity capital to assets | 17.8668% | 434 |
| Core capital (leverage) ratio | 7.9013% | 6,384 |
| Tier 1 risk-based capital ratio | 10.5522% | 6,582 |
| Total risk-based capital ratio | 11.5339% | 6,809 |
| Memoranda: | ||
| Average total assets | $5,445,629,500 | 161 |
| Average earning assets | $4,617,946,000 | 166 |
| Average equity | $988,939,500 | 116 |
| Average total loans | $3,547,779,500 | 152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 2,774 |
| Cost of funding earning assets | 1.7204% | 4,408 |
| Net interest margin | 4.0512% | 2,647 |
| Noninterest income to average assets | 0.7100% | 2,897 |
| Noninterest expense to average assets | 2.1922% | 7,014 |
| Loan and lease loss provision to assets | 0.3773% | 4,523 |
| Net operating income to assets | 0.9755% | 1,925 |
| Return on assets (ROA) | 1.0271% | 1,799 |
| Pretax return on assets | 1.5972% | 976 |
| Return on Equity (ROE) | 5.2292% | 3,571 |
| Retained earnings to average equity (ytd only) | 1.5762% | 3,974 |
| Net charge-offs to loans | 0.6005% | 3,419 |
| Credit loss provision to net charge-offs | 97.1647% | 5,719 |
| Earnings coverage of net charge-offs (x) | 4.8770% | 2,776 |
| Efficiency ratio | 48.5121% | 7,607 |
| Assets per employee ($millions) | 5.3972% | 1,743 |
| Cash dividends to net income (ytd only)* | 69.8581% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,606 |
| Loan loss allowance to noncurrent loans | 78.1645% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 5,284 |
| Noncurrent loans to loans | 1.2231% | 4,905 |
| Net loans and leases to total assets | 65.2251% | 4,336 |
| Net loans and leases to deposits | 89.2249% | 2,349 |
| Net loans and leases to core deposits | 121.1690% | 1,862 |
| Total domestic deposits to total assets | 73.1019% | 7,139 |
| Equity capital to assets | 18.4662% | 413 |
| Core capital (leverage) ratio | 7.8403% | 6,402 |
| Tier 1 risk-based capital ratio | 10.1789% | 6,704 |
| Total risk-based capital ratio | 11.1139% | 6,954 |
| Memoranda: | ||
| Average total assets | $4,849,787,000 | 176 |
| Average earning assets | $4,041,627,000 | 186 |
| Average equity | $952,556,800 | 117 |
| Average total loans | $3,136,423,400 | 183 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7539% | 3,086 |
| Cost of funding earning assets | 1.7771% | 4,494 |
| Net interest margin | 3.9767% | 2,908 |
| Noninterest income to average assets | 0.7227% | 2,862 |
| Noninterest expense to average assets | 2.1342% | 7,122 |
| Loan and lease loss provision to assets | 0.3285% | 4,364 |
| Net operating income to assets | 1.0125% | 2,011 |
| Return on assets (ROA) | 1.0590% | 1,929 |
| Pretax return on assets | 1.6351% | 1,100 |
| Return on Equity (ROE) | 5.3025% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.0597% | 3,614 |
| Net charge-offs to loans | 0.5257% | 3,106 |
| Credit loss provision to net charge-offs | 97.1157% | 5,262 |
| Earnings coverage of net charge-offs (x) | 5.5940% | 2,779 |
| Efficiency ratio | 47.8681% | 7,669 |
| Assets per employee ($millions) | 5.2891% | 1,800 |
| Cash dividends to net income (ytd only)* | 42.2969% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,371 |
| Loan loss allowance to noncurrent loans | 102.8326% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 5,665 |
| Noncurrent loans to loans | 0.9603% | 5,377 |
| Net loans and leases to total assets | 65.0453% | 4,639 |
| Net loans and leases to deposits | 88.4563% | 2,874 |
| Net loans and leases to core deposits | 120.9755% | 2,158 |
| Total domestic deposits to total assets | 73.5339% | 7,020 |
| Equity capital to assets | 19.1535% | 405 |
| Core capital (leverage) ratio | 8.0021% | 6,348 |
| Tier 1 risk-based capital ratio | 10.5832% | 6,367 |
| Total risk-based capital ratio | 11.5490% | 6,630 |
| Memoranda: | ||
| Average total assets | $4,729,116,000 | 189 |
| Average earning assets | $3,928,464,250 | 199 |
| Average equity | $944,520,250 | 123 |
| Average total loans | $3,042,608,500 | 203 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6231% | 3,950 |
| Cost of funding earning assets | 1.7375% | 5,073 |
| Net interest margin | 3.8856% | 3,177 |
| Noninterest income to average assets | 0.7714% | 2,582 |
| Noninterest expense to average assets | 2.0457% | 7,386 |
| Loan and lease loss provision to assets | 0.2691% | 4,430 |
| Net operating income to assets | 1.0781% | 1,844 |
| Return on assets (ROA) | 1.1485% | 1,702 |
| Pretax return on assets | 1.7732% | 888 |
| Return on Equity (ROE) | 5.6621% | 3,799 |
| Retained earnings to average equity (ytd only) | 2.2345% | 4,096 |
| Net charge-offs to loans | 0.4008% | 3,196 |
| Credit loss provision to net charge-offs | 105.2001% | 4,374 |
| Earnings coverage of net charge-offs (x) | 7.5609% | 2,430 |
| Efficiency ratio | 46.4509% | 7,834 |
| Assets per employee ($millions) | 5.2264% | 1,834 |
| Cash dividends to net income (ytd only)* | 60.5349% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,891 |
| Loan loss allowance to noncurrent loans | 106.9393% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 5,403 |
| Noncurrent loans to loans | 0.9841% | 5,236 |
| Net loans and leases to total assets | 63.0385% | 5,176 |
| Net loans and leases to deposits | 86.0602% | 3,544 |
| Net loans and leases to core deposits | 113.8485% | 2,924 |
| Total domestic deposits to total assets | 73.2492% | 7,075 |
| Equity capital to assets | 19.0354% | 459 |
| Core capital (leverage) ratio | 9.2521% | 4,232 |
| Tier 1 risk-based capital ratio | 10.3418% | 6,545 |
| Total risk-based capital ratio | 11.3556% | 6,742 |
| Memoranda: | ||
| Average total assets | $4,570,657,670 | 199 |
| Average earning assets | $3,774,026,670 | 211 |
| Average equity | $927,079,670 | 127 |
| Average total loans | $2,917,131,330 | 211 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9989% | 2,370 |
| Cost of funding earning assets | 1.9057% | 4,598 |
| Net interest margin | 4.0932% | 2,301 |
| Noninterest income to average assets | 0.7112% | 2,818 |
| Noninterest expense to average assets | 2.0687% | 7,195 |
| Loan and lease loss provision to assets | 0.2564% | 3,916 |
| Net operating income to assets | 1.1498% | 1,803 |
| Return on assets (ROA) | 1.2254% | 1,684 |
| Pretax return on assets | 1.8514% | 889 |
| Return on Equity (ROE) | 5.8270% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.8270% | 2,705 |
| Net charge-offs to loans | 0.3237% | 2,798 |
| Credit loss provision to net charge-offs | 123.9856% | 3,201 |
| Earnings coverage of net charge-offs (x) | 9.6375% | 2,035 |
| Efficiency ratio | 45.7647% | 7,855 |
| Assets per employee ($millions) | 5.1623% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 5,274 |
| Loan loss allowance to noncurrent loans | 87.2707% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 4,856 |
| Noncurrent loans to loans | 1.2923% | 4,392 |
| Net loans and leases to total assets | 63.7584% | 5,031 |
| Net loans and leases to deposits | 88.8198% | 3,138 |
| Net loans and leases to core deposits | 116.4411% | 2,753 |
| Total domestic deposits to total assets | 71.7840% | 7,240 |
| Equity capital to assets | 21.2368% | 348 |
| Core capital (leverage) ratio | 8.2082% | 6,081 |
| Tier 1 risk-based capital ratio | 10.5134% | 6,384 |
| Total risk-based capital ratio | 11.5961% | 6,466 |
| Memoranda: | ||
| Average total assets | $4,289,823,000 | 208 |
| Average earning assets | $3,511,644,000 | 225 |
| Average equity | $902,139,000 | 128 |
| Average total loans | $2,740,821,000 | 219 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 8,123 |
| Cost of funding earning assets | 1.4089% | 7,727 |
| Net interest margin | 2.3916% | 7,857 |
| Noninterest income to average assets | 0.5499% | 4,228 |
| Noninterest expense to average assets | 1.4125% | 8,068 |
| Loan and lease loss provision to assets | 0.0716% | 6,499 |
| Net operating income to assets | 0.7035% | 3,879 |
| Return on assets (ROA) | 0.7130% | 3,666 |
| Pretax return on assets | 1.1216% | 2,951 |
| Return on Equity (ROE) | 4.2004% | 4,741 |
| Retained earnings to average equity (ytd only) | 2.4190% | 3,694 |
| Net charge-offs to loans | 0.1748% | 4,450 |
| Credit loss provision to net charge-offs | 61.0522% | 6,220 |
| Earnings coverage of net charge-offs (x) | 10.0520% | 2,583 |
| Efficiency ratio | 48.6346% | 7,757 |
| Assets per employee ($millions) | 5.1934% | 1,731 |
| Cash dividends to net income (ytd only)* | 42.4093% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 6,343 |
| Loan loss allowance to noncurrent loans | 89.9411% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 4,903 |
| Noncurrent loans to loans | 1.0678% | 4,437 |
| Net loans and leases to total assets | 62.6903% | 5,511 |
| Net loans and leases to deposits | 86.9367% | 3,959 |
| Net loans and leases to core deposits | 114.3495% | 3,296 |
| Total domestic deposits to total assets | 72.1103% | 6,975 |
| Equity capital to assets | 20.8232% | 416 |
| Core capital (leverage) ratio | 7.8724% | 6,692 |
| Tier 1 risk-based capital ratio | 10.1509% | 6,574 |
| Total risk-based capital ratio | 11.0741% | 6,818 |
| Memoranda: | ||
| Average total assets | $3,940,841,000 | 212 |
| Average earning assets | $3,362,838,200 | 220 |
| Average equity | $668,988,200 | 154 |
| Average total loans | $2,642,860,800 | 220 |