Home > Hanmi Bank > Performance and Condition Ratios
Hanmi Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 1,629 |
| Cost of funding earning assets | 2.0069% | 908 |
| Net interest margin | 3.2130% | 2,846 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.7920% | 4,013 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.2364% | 1,568 |
| Return on assets (ROA) | 1.2164% | 1,584 |
| Pretax return on assets | 1.7031% | 1,060 |
| Return on Equity (ROE) | 11.8600% | 1,989 |
| Retained earnings to average equity (ytd only) | 5.9880% | 2,246 |
| Net charge-offs to loans | 0.1168% | 821 |
| Credit loss provision to net charge-offs | 70.7269% | 2,079 |
| Earnings coverage of net charge-offs (x) | 18.7392% | 1,922 |
| Efficiency ratio | 50.0189% | 3,980 |
| Assets per employee ($millions) | 12.2719% | 384 |
| Cash dividends to net income (ytd only)* | 49.5308% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 2,716 |
| Loan loss allowance to noncurrent loans | 448.8949% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,191 |
| Noncurrent loans to loans | 0.2498% | 2,304 |
| Net loans and leases to total assets | 81.2900% | 502 |
| Net loans and leases to deposits | 97.4065% | 687 |
| Net loans and leases to core deposits | 117.1183% | 710 |
| Total domestic deposits to total assets | 83.4500% | 2,763 |
| Equity capital to assets | 10.4901% | 1,724 |
| Core capital (leverage) ratio | 11.3157% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2740% | 1,770 |
| Memoranda: | ||
| Average total assets | $7,385,772,400 | 205 |
| Average earning assets | $7,054,336,200 | 193 |
| Average equity | $757,228,600 | 202 |
| Average total loans | $6,031,749,600 | 178 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 1,537 |
| Cost of funding earning assets | 1.8841% | 878 |
| Net interest margin | 3.2714% | 2,747 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.7872% | 4,004 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.2840% | 1,582 |
| Return on assets (ROA) | 1.2572% | 1,629 |
| Pretax return on assets | 1.7333% | 1,109 |
| Return on Equity (ROE) | 12.3400% | 2,043 |
| Retained earnings to average equity (ytd only) | 6.5498% | 2,445 |
| Net charge-offs to loans | 0.2687% | 326 |
| Credit loss provision to net charge-offs | 65.1259% | 1,832 |
| Earnings coverage of net charge-offs (x) | 8.6656% | 2,185 |
| Efficiency ratio | 48.4504% | 4,019 |
| Assets per employee ($millions) | 11.9020% | 388 |
| Cash dividends to net income (ytd only)* | 46.9036% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,784 |
| Loan loss allowance to noncurrent loans | 426.4365% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 2,177 |
| Noncurrent loans to loans | 0.2617% | 2,298 |
| Net loans and leases to total assets | 81.5000% | 480 |
| Net loans and leases to deposits | 95.1578% | 809 |
| Net loans and leases to core deposits | 115.4833% | 684 |
| Total domestic deposits to total assets | 85.6400% | 2,300 |
| Equity capital to assets | 10.3084% | 1,642 |
| Core capital (leverage) ratio | 11.2539% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4184% | 1,745 |
| Memoranda: | ||
| Average total assets | $7,348,480,750 | 207 |
| Average earning assets | $7,018,951,000 | 193 |
| Average equity | $748,929,500 | 204 |
| Average total loans | $5,991,075,500 | 181 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 1,455 |
| Cost of funding earning assets | 1.7530% | 809 |
| Net interest margin | 3.3005% | 2,746 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 1.7808% | 4,033 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3576% | 1,431 |
| Return on assets (ROA) | 1.3174% | 1,507 |
| Pretax return on assets | 1.7915% | 1,027 |
| Return on Equity (ROE) | 12.9800% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.3534% | 2,173 |
| Net charge-offs to loans | 0.1069% | 651 |
| Credit loss provision to net charge-offs | 84.3770% | 1,533 |
| Earnings coverage of net charge-offs (x) | 21.8651% | 1,711 |
| Efficiency ratio | 48.3573% | 4,041 |
| Assets per employee ($millions) | 11.8411% | 392 |
| Cash dividends to net income (ytd only)* | 43.3285% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,494 |
| Loan loss allowance to noncurrent loans | 320.2453% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 1,698 |
| Noncurrent loans to loans | 0.3713% | 1,810 |
| Net loans and leases to total assets | 80.6500% | 564 |
| Net loans and leases to deposits | 93.2542% | 927 |
| Net loans and leases to core deposits | 113.8588% | 687 |
| Total domestic deposits to total assets | 86.4800% | 2,096 |
| Equity capital to assets | 10.3860% | 1,638 |
| Core capital (leverage) ratio | 11.2064% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4545% | 1,739 |
| Memoranda: | ||
| Average total assets | $7,358,064,667 | 201 |
| Average earning assets | $7,029,714,333 | 186 |
| Average equity | $747,057,333 | 202 |
| Average total loans | $5,977,250,000 | 174 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 1,335 |
| Cost of funding earning assets | 1.5816% | 723 |
| Net interest margin | 3.3625% | 2,728 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 1.7458% | 4,126 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.4082% | 1,386 |
| Return on assets (ROA) | 1.4082% | 1,358 |
| Pretax return on assets | 1.8458% | 992 |
| Return on Equity (ROE) | 14.0300% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.0883% | 2,192 |
| Net charge-offs to loans | 0.0973% | 607 |
| Credit loss provision to net charge-offs | 149.9312% | 951 |
| Earnings coverage of net charge-offs (x) | 24.8824% | 1,382 |
| Efficiency ratio | 47.0475% | 4,155 |
| Assets per employee ($millions) | 11.9100% | 407 |
| Cash dividends to net income (ytd only)* | 42.3484% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,515 |
| Loan loss allowance to noncurrent loans | 360.3441% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 1,782 |
| Noncurrent loans to loans | 0.3351% | 1,952 |
| Net loans and leases to total assets | 79.8000% | 559 |
| Net loans and leases to deposits | 95.1360% | 711 |
| Net loans and leases to core deposits | 116.3548% | 526 |
| Total domestic deposits to total assets | 83.8800% | 3,114 |
| Equity capital to assets | 10.1643% | 1,739 |
| Core capital (leverage) ratio | 11.0638% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1481% | 1,926 |
| Memoranda: | ||
| Average total assets | $7,378,204,500 | 205 |
| Average earning assets | $7,048,001,000 | 192 |
| Average equity | $740,572,000 | 208 |
| Average total loans | $5,979,643,000 | 181 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 1,473 |
| Cost of funding earning assets | 0.4246% | 1,909 |
| Net interest margin | 3.6777% | 1,432 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.7979% | 4,033 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.5780% | 723 |
| Return on assets (ROA) | 1.5780% | 693 |
| Pretax return on assets | 2.1978% | 320 |
| Return on Equity (ROE) | 15.2700% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.3838% | 2,073 |
| Net charge-offs to loans | 0.0246% | 1,567 |
| Credit loss provision to net charge-offs | 24.8000% | 1,918 |
| Earnings coverage of net charge-offs (x) | 112.4240% | 917 |
| Efficiency ratio | 44.8009% | 4,400 |
| Assets per employee ($millions) | 11.7763% | 417 |
| Cash dividends to net income (ytd only)* | 51.6360% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,403 |
| Loan loss allowance to noncurrent loans | 726.4168% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 2,576 |
| Noncurrent loans to loans | 0.1648% | 2,661 |
| Net loans and leases to total assets | 80.3400% | 555 |
| Net loans and leases to deposits | 95.5496% | 674 |
| Net loans and leases to core deposits | 109.3608% | 632 |
| Total domestic deposits to total assets | 84.0800% | 3,189 |
| Equity capital to assets | 9.9092% | 1,750 |
| Core capital (leverage) ratio | 11.0737% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8621% | 2,025 |
| Memoranda: | ||
| Average total assets | $6,995,378,000 | 215 |
| Average earning assets | $6,669,906,000 | 202 |
| Average equity | $723,042,200 | 208 |
| Average total loans | $5,595,628,200 | 179 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 1,539 |
| Cost of funding earning assets | 0.2459% | 2,749 |
| Net interest margin | 3.6302% | 1,315 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.8020% | 3,984 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5433% | 754 |
| Return on assets (ROA) | 1.5433% | 736 |
| Pretax return on assets | 2.1772% | 332 |
| Return on Equity (ROE) | 14.7700% | 1,224 |
| Retained earnings to average equity (ytd only) | 6.0866% | 2,722 |
| Net charge-offs to loans | 0.0265% | 1,293 |
| Credit loss provision to net charge-offs | 10.9790% | 1,656 |
| Earnings coverage of net charge-offs (x) | 103.9085% | 932 |
| Efficiency ratio | 45.0526% | 4,423 |
| Assets per employee ($millions) | 11.4051% | 457 |
| Cash dividends to net income (ytd only)* | 58.7875% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,361 |
| Loan loss allowance to noncurrent loans | 617.5293% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,415 |
| Noncurrent loans to loans | 0.1995% | 2,607 |
| Net loans and leases to total assets | 80.7800% | 464 |
| Net loans and leases to deposits | 92.3290% | 749 |
| Net loans and leases to core deposits | 98.9188% | 860 |
| Total domestic deposits to total assets | 87.4900% | 2,597 |
| Equity capital to assets | 9.8607% | 1,686 |
| Core capital (leverage) ratio | 11.0160% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7584% | 2,148 |
| Memoranda: | ||
| Average total assets | $6,907,117,750 | 217 |
| Average earning assets | $6,587,317,000 | 204 |
| Average equity | $721,760,000 | 207 |
| Average total loans | $5,500,741,250 | 181 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 1,589 |
| Cost of funding earning assets | 0.1592% | 3,459 |
| Net interest margin | 3.5218% | 1,261 |
| Noninterest income to average assets | 0.5352% | 2,016 |
| Noninterest expense to average assets | 1.7878% | 3,992 |
| Loan and lease loss provision to assets | 0.0065% | 2,486 |
| Net operating income to assets | 1.4870% | 737 |
| Return on assets (ROA) | 1.4870% | 717 |
| Pretax return on assets | 2.1006% | 295 |
| Return on Equity (ROE) | 13.9583% | 1,124 |
| Retained earnings to average equity (ytd only) | 3.8046% | 3,155 |
| Net charge-offs to loans | -0.0006% | 2,999 |
| Credit loss provision to net charge-offs | -2,905.8824% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8375% | 4,458 |
| Assets per employee ($millions) | 11.3591% | 452 |
| Cash dividends to net income (ytd only)* | 72.7430% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,248 |
| Loan loss allowance to noncurrent loans | 661.5991% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,517 |
| Noncurrent loans to loans | 0.1946% | 2,733 |
| Net loans and leases to total assets | 80.6996% | 357 |
| Net loans and leases to deposits | 93.3201% | 549 |
| Net loans and leases to core deposits | 98.7874% | 728 |
| Total domestic deposits to total assets | 86.4762% | 3,118 |
| Equity capital to assets | 10.2434% | 1,566 |
| Core capital (leverage) ratio | 11.0036% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6970% | 2,209 |
| Memoranda: | ||
| Average total assets | $6,841,025,667 | 217 |
| Average earning assets | $6,526,117,333 | 207 |
| Average equity | $728,799,000 | 203 |
| Average total loans | $5,397,310,000 | 181 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 1,794 |
| Cost of funding earning assets | 0.1451% | 3,564 |
| Net interest margin | 3.3609% | 1,404 |
| Noninterest income to average assets | 0.5152% | 2,070 |
| Noninterest expense to average assets | 1.8104% | 3,917 |
| Loan and lease loss provision to assets | -0.0809% | 4,567 |
| Net operating income to assets | 1.4132% | 772 |
| Return on assets (ROA) | 1.4132% | 768 |
| Pretax return on assets | 1.9987% | 361 |
| Return on Equity (ROE) | 13.0096% | 1,032 |
| Retained earnings to average equity (ytd only) | 0.8100% | 3,861 |
| Net charge-offs to loans | -0.0077% | 3,492 |
| Credit loss provision to net charge-offs | 1,134.6535% | 308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4920% | 4,382 |
| Assets per employee ($millions) | 11.0637% | 499 |
| Cash dividends to net income (ytd only)* | 93.7734% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,193 |
| Loan loss allowance to noncurrent loans | 623.4699% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 2,536 |
| Noncurrent loans to loans | 0.2143% | 2,752 |
| Net loans and leases to total assets | 78.5166% | 336 |
| Net loans and leases to deposits | 91.0403% | 465 |
| Net loans and leases to core deposits | 96.3510% | 638 |
| Total domestic deposits to total assets | 86.2438% | 3,178 |
| Equity capital to assets | 10.7079% | 1,484 |
| Core capital (leverage) ratio | 10.8399% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1869% | 2,124 |
| Memoranda: | ||
| Average total assets | $6,791,346,000 | 220 |
| Average earning assets | $6,492,397,500 | 212 |
| Average equity | $737,734,000 | 208 |
| Average total loans | $5,259,000,000 | 183 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 2,785 |
| Cost of funding earning assets | 0.2131% | 3,340 |
| Net interest margin | 3.2431% | 2,478 |
| Noninterest income to average assets | 0.6378% | 1,999 |
| Noninterest expense to average assets | 1.8391% | 4,071 |
| Loan and lease loss provision to assets | -0.3714% | 4,799 |
| Net operating income to assets | 1.6428% | 719 |
| Return on assets (ROA) | 1.6368% | 767 |
| Pretax return on assets | 2.2575% | 374 |
| Return on Equity (ROE) | 15.0990% | 935 |
| Retained earnings to average equity (ytd only) | 12.2500% | 508 |
| Net charge-offs to loans | -0.1274% | 4,634 |
| Credit loss provision to net charge-offs | 384.6742% | 927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1807% | 4,343 |
| Assets per employee ($millions) | 11.6203% | 437 |
| Cash dividends to net income (ytd only)* | 18.8686% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,901 |
| Loan loss allowance to noncurrent loans | 543.0913% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,544 |
| Noncurrent loans to loans | 0.2587% | 2,684 |
| Net loans and leases to total assets | 74.2759% | 643 |
| Net loans and leases to deposits | 86.5873% | 742 |
| Net loans and leases to core deposits | 92.0720% | 873 |
| Total domestic deposits to total assets | 85.7816% | 2,978 |
| Equity capital to assets | 11.0149% | 1,779 |
| Core capital (leverage) ratio | 10.9582% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7189% | 1,965 |
| Memoranda: | ||
| Average total assets | $6,569,472,600 | 216 |
| Average earning assets | $6,269,457,800 | 208 |
| Average equity | $712,153,600 | 213 |
| Average total loans | $4,927,262,400 | 192 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 2,865 |
| Cost of funding earning assets | 0.2315% | 3,314 |
| Net interest margin | 3.2567% | 2,561 |
| Noninterest income to average assets | 0.6476% | 2,023 |
| Noninterest expense to average assets | 1.8429% | 4,074 |
| Loan and lease loss provision to assets | -0.1734% | 4,717 |
| Net operating income to assets | 1.5080% | 1,252 |
| Return on assets (ROA) | 1.5096% | 1,297 |
| Pretax return on assets | 2.0851% | 691 |
| Return on Equity (ROE) | 13.9850% | 1,396 |
| Retained earnings to average equity (ytd only) | 11.1424% | 1,027 |
| Net charge-offs to loans | 0.0833% | 845 |
| Credit loss provision to net charge-offs | -354.2256% | 3,549 |
| Earnings coverage of net charge-offs (x) | 30.6034% | 1,513 |
| Efficiency ratio | 49.0223% | 4,294 |
| Assets per employee ($millions) | 11.1809% | 456 |
| Cash dividends to net income (ytd only)* | 20.3262% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 1,414 |
| Loan loss allowance to noncurrent loans | 360.7694% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 2,161 |
| Noncurrent loans to loans | 0.4355% | 2,252 |
| Net loans and leases to total assets | 70.8442% | 1,006 |
| Net loans and leases to deposits | 82.4196% | 1,078 |
| Net loans and leases to core deposits | 88.0230% | 1,149 |
| Total domestic deposits to total assets | 85.9555% | 2,764 |
| Equity capital to assets | 10.7686% | 2,200 |
| Core capital (leverage) ratio | 10.8583% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1673% | 1,909 |
| Memoranda: | ||
| Average total assets | $6,497,851,500 | 217 |
| Average earning assets | $6,194,834,750 | 208 |
| Average equity | $701,398,250 | 214 |
| Average total loans | $4,867,857,250 | 194 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 2,900 |
| Cost of funding earning assets | 0.2583% | 3,203 |
| Net interest margin | 3.2389% | 2,640 |
| Noninterest income to average assets | 0.5860% | 2,275 |
| Noninterest expense to average assets | 1.8198% | 4,139 |
| Loan and lease loss provision to assets | -0.0380% | 4,488 |
| Net operating income to assets | 1.3832% | 1,614 |
| Return on assets (ROA) | 1.3856% | 1,675 |
| Pretax return on assets | 1.8919% | 1,037 |
| Return on Equity (ROE) | 12.8257% | 1,777 |
| Retained earnings to average equity (ytd only) | 10.0066% | 1,392 |
| Net charge-offs to loans | 0.1606% | 520 |
| Credit loss provision to net charge-offs | -80.5940% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.1749% | 1,643 |
| Efficiency ratio | 49.4858% | 4,275 |
| Assets per employee ($millions) | 10.9254% | 469 |
| Cash dividends to net income (ytd only)* | 21.9803% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 1,027 |
| Loan loss allowance to noncurrent loans | 160.2784% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 1,007 |
| Noncurrent loans to loans | 1.0712% | 1,135 |
| Net loans and leases to total assets | 72.5661% | 900 |
| Net loans and leases to deposits | 84.6857% | 1,014 |
| Net loans and leases to core deposits | 91.7115% | 1,026 |
| Total domestic deposits to total assets | 85.6887% | 2,841 |
| Equity capital to assets | 10.7668% | 2,173 |
| Core capital (leverage) ratio | 10.8916% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2484% | 1,887 |
| Memoranda: | ||
| Average total assets | $6,405,262,667 | 219 |
| Average earning assets | $6,099,838,667 | 210 |
| Average equity | $691,985,000 | 213 |
| Average total loans | $4,864,894,333 | 195 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 3,030 |
| Cost of funding earning assets | 0.2952% | 3,048 |
| Net interest margin | 3.1695% | 2,789 |
| Noninterest income to average assets | 0.6054% | 2,183 |
| Noninterest expense to average assets | 1.7946% | 4,228 |
| Loan and lease loss provision to assets | 0.1335% | 1,018 |
| Net operating income to assets | 1.2828% | 1,880 |
| Return on assets (ROA) | 1.2877% | 1,937 |
| Pretax return on assets | 1.6978% | 1,496 |
| Return on Equity (ROE) | 11.8987% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.1020% | 1,619 |
| Net charge-offs to loans | 0.2463% | 341 |
| Credit loss provision to net charge-offs | 32.1548% | 1,378 |
| Earnings coverage of net charge-offs (x) | 9.6171% | 1,533 |
| Efficiency ratio | 49.4859% | 4,230 |
| Assets per employee ($millions) | 10.6581% | 490 |
| Cash dividends to net income (ytd only)* | 15.1003% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 838 |
| Loan loss allowance to noncurrent loans | 160.5434% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 998 |
| Noncurrent loans to loans | 1.1353% | 1,183 |
| Net loans and leases to total assets | 73.9644% | 819 |
| Net loans and leases to deposits | 86.2363% | 948 |
| Net loans and leases to core deposits | 94.3758% | 956 |
| Total domestic deposits to total assets | 85.7694% | 2,826 |
| Equity capital to assets | 10.6930% | 2,091 |
| Core capital (leverage) ratio | 10.9919% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2589% | 1,828 |
| Memoranda: | ||
| Average total assets | $6,319,340,000 | 222 |
| Average earning assets | $6,009,725,000 | 212 |
| Average equity | $683,906,500 | 216 |
| Average total loans | $4,869,280,500 | 197 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 2,777 |
| Cost of funding earning assets | 0.6473% | 2,013 |
| Net interest margin | 3.3378% | 2,960 |
| Noninterest income to average assets | 0.4721% | 2,765 |
| Noninterest expense to average assets | 1.9636% | 4,208 |
| Loan and lease loss provision to assets | 0.7538% | 184 |
| Net operating income to assets | 0.6242% | 3,671 |
| Return on assets (ROA) | 0.8334% | 3,094 |
| Pretax return on assets | 1.1797% | 2,399 |
| Return on Equity (ROE) | 7.5019% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.0767% | 2,241 |
| Net charge-offs to loans | 0.6506% | 232 |
| Credit loss provision to net charge-offs | 137.5040% | 2,503 |
| Earnings coverage of net charge-offs (x) | 3.2052% | 3,104 |
| Efficiency ratio | 53.9385% | 4,220 |
| Assets per employee ($millions) | 10.3354% | 480 |
| Cash dividends to net income (ytd only)* | 32.3283% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 787 |
| Loan loss allowance to noncurrent loans | 108.9050% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3770% | 567 |
| Noncurrent loans to loans | 1.6984% | 750 |
| Net loans and leases to total assets | 77.3770% | 658 |
| Net loans and leases to deposits | 90.6663% | 876 |
| Net loans and leases to core deposits | 100.2428% | 888 |
| Total domestic deposits to total assets | 85.3426% | 2,637 |
| Equity capital to assets | 10.9568% | 2,290 |
| Core capital (leverage) ratio | 10.8256% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8608% | 1,904 |
| Memoranda: | ||
| Average total assets | $5,933,345,400 | 220 |
| Average earning assets | $5,617,610,600 | 212 |
| Average equity | $659,149,600 | 215 |
| Average total loans | $4,747,819,600 | 195 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 2,756 |
| Cost of funding earning assets | 0.7327% | 1,843 |
| Net interest margin | 3.3392% | 3,076 |
| Noninterest income to average assets | 0.4553% | 2,824 |
| Noninterest expense to average assets | 2.0359% | 4,077 |
| Loan and lease loss provision to assets | 0.8351% | 206 |
| Net operating income to assets | 0.4865% | 4,070 |
| Return on assets (ROA) | 0.7686% | 3,331 |
| Pretax return on assets | 1.1007% | 2,744 |
| Return on Equity (ROE) | 6.8939% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.7897% | 3,144 |
| Net charge-offs to loans | 0.8195% | 165 |
| Credit loss provision to net charge-offs | 126.8609% | 2,462 |
| Earnings coverage of net charge-offs (x) | 2.3981% | 2,995 |
| Efficiency ratio | 56.2014% | 3,897 |
| Assets per employee ($millions) | 10.1730% | 483 |
| Cash dividends to net income (ytd only)* | 45.0279% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 748 |
| Loan loss allowance to noncurrent loans | 134.6432% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 1,001 |
| Noncurrent loans to loans | 1.3273% | 1,111 |
| Net loans and leases to total assets | 77.9901% | 831 |
| Net loans and leases to deposits | 91.3620% | 1,121 |
| Net loans and leases to core deposits | 101.7070% | 1,047 |
| Total domestic deposits to total assets | 85.3638% | 2,294 |
| Equity capital to assets | 10.8659% | 2,505 |
| Core capital (leverage) ratio | 10.8815% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7711% | 1,904 |
| Memoranda: | ||
| Average total assets | $5,866,379,250 | 220 |
| Average earning assets | $5,550,364,750 | 213 |
| Average equity | $654,073,250 | 214 |
| Average total loans | $4,712,590,500 | 195 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,798 |
| Cost of funding earning assets | 0.8363% | 1,647 |
| Net interest margin | 3.3533% | 3,237 |
| Noninterest income to average assets | 0.4250% | 2,941 |
| Noninterest expense to average assets | 2.1021% | 4,027 |
| Loan and lease loss provision to assets | 1.2457% | 130 |
| Net operating income to assets | 0.1096% | 4,674 |
| Return on assets (ROA) | 0.5386% | 3,990 |
| Pretax return on assets | 0.7917% | 3,612 |
| Return on Equity (ROE) | 4.7879% | 3,889 |
| Retained earnings to average equity (ytd only) | 0.3948% | 4,232 |
| Net charge-offs to loans | 1.2236% | 110 |
| Credit loss provision to net charge-offs | 126.2238% | 2,251 |
| Earnings coverage of net charge-offs (x) | 1.5142% | 2,852 |
| Efficiency ratio | 58.3227% | 3,653 |
| Assets per employee ($millions) | 10.1224% | 484 |
| Cash dividends to net income (ytd only)* | 91.7549% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 684 |
| Loan loss allowance to noncurrent loans | 148.1729% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 1,302 |
| Noncurrent loans to loans | 1.2029% | 1,307 |
| Net loans and leases to total assets | 76.5428% | 1,058 |
| Net loans and leases to deposits | 90.9600% | 1,271 |
| Net loans and leases to core deposits | 101.5117% | 1,150 |
| Total domestic deposits to total assets | 84.1499% | 2,705 |
| Equity capital to assets | 10.3704% | 2,863 |
| Core capital (leverage) ratio | 11.0329% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6202% | 2,352 |
| Memoranda: | ||
| Average total assets | $5,787,242,667 | 218 |
| Average earning assets | $5,473,672,667 | 214 |
| Average equity | $651,021,333 | 214 |
| Average total loans | $4,667,797,000 | 190 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 2,377 |
| Cost of funding earning assets | 1.0053% | 1,393 |
| Net interest margin | 3.4697% | 3,080 |
| Noninterest income to average assets | 0.4649% | 2,728 |
| Noninterest expense to average assets | 2.2189% | 3,961 |
| Loan and lease loss provision to assets | 1.0705% | 193 |
| Net operating income to assets | 0.3146% | 4,315 |
| Return on assets (ROA) | 0.3146% | 4,340 |
| Pretax return on assets | 0.4545% | 4,200 |
| Return on Equity (ROE) | 2.6797% | 4,294 |
| Retained earnings to average equity (ytd only) | -2.8838% | 4,341 |
| Net charge-offs to loans | 2.3806% | 55 |
| Credit loss provision to net charge-offs | 54.7236% | 2,040 |
| Earnings coverage of net charge-offs (x) | 0.7796% | 2,441 |
| Efficiency ratio | 59.1412% | 3,845 |
| Assets per employee ($millions) | 8.8719% | 555 |
| Cash dividends to net income (ytd only)* | 207.6204% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,473 |
| Loan loss allowance to noncurrent loans | 127.3337% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 1,427 |
| Noncurrent loans to loans | 1.1494% | 1,445 |
| Net loans and leases to total assets | 79.7226% | 727 |
| Net loans and leases to deposits | 97.2860% | 790 |
| Net loans and leases to core deposits | 110.1629% | 846 |
| Total domestic deposits to total assets | 81.9466% | 3,437 |
| Equity capital to assets | 11.5754% | 2,375 |
| Core capital (leverage) ratio | 11.3309% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2942% | 2,153 |
| Memoranda: | ||
| Average total assets | $5,573,285,500 | 217 |
| Average earning assets | $5,267,030,000 | 211 |
| Average equity | $654,264,500 | 216 |
| Average total loans | $4,579,903,500 | 188 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 2,164 |
| Cost of funding earning assets | 1.2279% | 951 |
| Net interest margin | 3.5327% | 3,338 |
| Noninterest income to average assets | 0.4228% | 3,160 |
| Noninterest expense to average assets | 2.1466% | 4,276 |
| Loan and lease loss provision to assets | 0.5465% | 226 |
| Net operating income to assets | 0.7302% | 3,766 |
| Return on assets (ROA) | 0.7487% | 3,784 |
| Pretax return on assets | 1.0817% | 3,229 |
| Return on Equity (ROE) | 6.2451% | 3,835 |
| Retained earnings to average equity (ytd only) | -0.4790% | 4,768 |
| Net charge-offs to loans | 0.0160% | 3,146 |
| Credit loss provision to net charge-offs | 4,099.1848% | 103 |
| Earnings coverage of net charge-offs (x) | 120.3641% | 588 |
| Efficiency ratio | 57.0654% | 4,084 |
| Assets per employee ($millions) | 8.7372% | 541 |
| Cash dividends to net income (ytd only)* | 107.6700% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 1,794 |
| Loan loss allowance to noncurrent loans | 96.3097% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 1,033 |
| Noncurrent loans to loans | 1.3813% | 1,070 |
| Net loans and leases to total assets | 82.3545% | 512 |
| Net loans and leases to deposits | 96.5797% | 881 |
| Net loans and leases to core deposits | 109.7009% | 871 |
| Total domestic deposits to total assets | 85.2711% | 2,391 |
| Equity capital to assets | 11.9057% | 2,194 |
| Core capital (leverage) ratio | 11.5563% | 2,070 |
| Tier 1 risk-based capital ratio | 13.3923% | 3,582 |
| Total risk-based capital ratio | 14.6436% | 3,466 |
| Memoranda: | ||
| Average total assets | $5,520,266,400 | 210 |
| Average earning assets | $5,201,233,000 | 203 |
| Average equity | $661,801,800 | 208 |
| Average total loans | $4,589,425,400 | 186 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 2,163 |
| Cost of funding earning assets | 1.2527% | 906 |
| Net interest margin | 3.5341% | 3,457 |
| Noninterest income to average assets | 0.4458% | 3,047 |
| Noninterest expense to average assets | 2.1105% | 4,343 |
| Loan and lease loss provision to assets | 0.4692% | 262 |
| Net operating income to assets | 0.8472% | 3,525 |
| Return on assets (ROA) | 0.8719% | 3,527 |
| Pretax return on assets | 1.2270% | 2,894 |
| Return on Equity (ROE) | 7.2603% | 3,589 |
| Retained earnings to average equity (ytd only) | 1.7471% | 4,349 |
| Net charge-offs to loans | 0.0198% | 2,715 |
| Credit loss provision to net charge-offs | 2,855.5882% | 142 |
| Earnings coverage of net charge-offs (x) | 101.3254% | 745 |
| Efficiency ratio | 55.7430% | 4,187 |
| Assets per employee ($millions) | 8.6813% | 535 |
| Cash dividends to net income (ytd only)* | 75.9360% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 2,988 |
| Loan loss allowance to noncurrent loans | 78.9980% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1705% | 1,095 |
| Noncurrent loans to loans | 1.4027% | 1,088 |
| Net loans and leases to total assets | 82.0975% | 557 |
| Net loans and leases to deposits | 96.3535% | 978 |
| Net loans and leases to core deposits | 110.5728% | 924 |
| Total domestic deposits to total assets | 85.2045% | 2,348 |
| Equity capital to assets | 12.1656% | 2,141 |
| Core capital (leverage) ratio | 11.8587% | 1,953 |
| Tier 1 risk-based capital ratio | 13.5522% | 3,541 |
| Total risk-based capital ratio | 14.6526% | 3,530 |
| Memoranda: | ||
| Average total assets | $5,517,663,750 | 212 |
| Average earning assets | $5,198,622,000 | 204 |
| Average equity | $662,636,250 | 207 |
| Average total loans | $4,582,739,000 | 188 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 2,134 |
| Cost of funding earning assets | 1.2468% | 875 |
| Net interest margin | 3.5310% | 3,499 |
| Noninterest income to average assets | 0.4171% | 3,158 |
| Noninterest expense to average assets | 2.0270% | 4,559 |
| Loan and lease loss provision to assets | 0.0861% | 2,124 |
| Net operating income to assets | 1.1458% | 2,340 |
| Return on assets (ROA) | 1.1828% | 2,278 |
| Pretax return on assets | 1.6821% | 1,314 |
| Return on Equity (ROE) | 9.8430% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.3285% | 3,094 |
| Net charge-offs to loans | 0.0176% | 2,521 |
| Credit loss provision to net charge-offs | 588.3663% | 536 |
| Earnings coverage of net charge-offs (x) | 117.6609% | 615 |
| Efficiency ratio | 53.9127% | 4,482 |
| Assets per employee ($millions) | 8.8488% | 497 |
| Cash dividends to net income (ytd only)* | 56.0250% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 4,615 |
| Loan loss allowance to noncurrent loans | 151.8678% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 2,849 |
| Noncurrent loans to loans | 0.4900% | 2,813 |
| Net loans and leases to total assets | 82.1340% | 591 |
| Net loans and leases to deposits | 94.8819% | 1,165 |
| Net loans and leases to core deposits | 109.2348% | 1,021 |
| Total domestic deposits to total assets | 86.5645% | 1,791 |
| Equity capital to assets | 12.2441% | 2,026 |
| Core capital (leverage) ratio | 11.8683% | 1,903 |
| Tier 1 risk-based capital ratio | 13.8118% | 3,417 |
| Total risk-based capital ratio | 14.5621% | 3,581 |
| Memoranda: | ||
| Average total assets | $5,523,076,000 | 211 |
| Average earning assets | $5,210,597,330 | 205 |
| Average equity | $663,698,000 | 210 |
| Average total loans | $4,584,840,670 | 190 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 1,888 |
| Cost of funding earning assets | 1.2085% | 883 |
| Net interest margin | 3.5946% | 3,266 |
| Noninterest income to average assets | 0.3488% | 3,526 |
| Noninterest expense to average assets | 1.9763% | 4,688 |
| Loan and lease loss provision to assets | 0.0808% | 2,083 |
| Net operating income to assets | 1.1710% | 2,172 |
| Return on assets (ROA) | 1.2124% | 2,058 |
| Pretax return on assets | 1.7347% | 1,129 |
| Return on Equity (ROE) | 10.1852% | 2,282 |
| Retained earnings to average equity (ytd only) | 4.5930% | 3,086 |
| Net charge-offs to loans | 0.0170% | 2,128 |
| Credit loss provision to net charge-offs | 572.8205% | 559 |
| Earnings coverage of net charge-offs (x) | 124.9538% | 572 |
| Efficiency ratio | 52.6848% | 4,641 |
| Assets per employee ($millions) | 9.0071% | 475 |
| Cash dividends to net income (ytd only)* | 54.9057% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 4,743 |
| Loan loss allowance to noncurrent loans | 82.1578% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 1,920 |
| Noncurrent loans to loans | 0.8737% | 1,897 |
| Net loans and leases to total assets | 81.7380% | 620 |
| Net loans and leases to deposits | 94.1231% | 1,163 |
| Net loans and leases to core deposits | 108.5729% | 1,013 |
| Total domestic deposits to total assets | 86.8416% | 1,888 |
| Equity capital to assets | 11.9274% | 2,072 |
| Core capital (leverage) ratio | 11.8751% | 1,850 |
| Tier 1 risk-based capital ratio | 13.6442% | 3,526 |
| Total risk-based capital ratio | 14.3661% | 3,728 |
| Memoranda: | ||
| Average total assets | $5,528,213,000 | 215 |
| Average earning assets | $5,214,195,000 | 205 |
| Average equity | $658,050,500 | 213 |
| Average total loans | $4,596,345,000 | 189 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 2,019 |
| Cost of funding earning assets | 0.9188% | 1,029 |
| Net interest margin | 3.7211% | 2,960 |
| Noninterest income to average assets | 0.4646% | 3,025 |
| Noninterest expense to average assets | 2.0873% | 4,592 |
| Loan and lease loss provision to assets | 0.0742% | 2,647 |
| Net operating income to assets | 1.2429% | 2,002 |
| Return on assets (ROA) | 1.2379% | 2,011 |
| Pretax return on assets | 1.7996% | 920 |
| Return on Equity (ROE) | 9.9862% | 2,522 |
| Retained earnings to average equity (ytd only) | -1.5001% | 5,101 |
| Net charge-offs to loans | 0.0681% | 2,144 |
| Credit loss provision to net charge-offs | 130.4348% | 2,025 |
| Earnings coverage of net charge-offs (x) | 33.0654% | 1,506 |
| Efficiency ratio | 52.4250% | 4,763 |
| Assets per employee ($millions) | 8.6457% | 522 |
| Cash dividends to net income (ytd only)* | 115.0219% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 4,811 |
| Loan loss allowance to noncurrent loans | 205.8854% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,397 |
| Noncurrent loans to loans | 0.3369% | 3,344 |
| Net loans and leases to total assets | 83.3868% | 473 |
| Net loans and leases to deposits | 96.2831% | 1,047 |
| Net loans and leases to core deposits | 111.2561% | 922 |
| Total domestic deposits to total assets | 86.6058% | 1,961 |
| Equity capital to assets | 11.8792% | 1,982 |
| Core capital (leverage) ratio | 11.6668% | 1,979 |
| Tier 1 risk-based capital ratio | 13.4733% | 3,560 |
| Total risk-based capital ratio | 14.1870% | 3,768 |
| Memoranda: | ||
| Average total assets | $5,379,887,600 | 212 |
| Average earning assets | $5,064,297,000 | 201 |
| Average equity | $666,877,200 | 200 |
| Average total loans | $4,495,032,000 | 184 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 2,047 |
| Cost of funding earning assets | 0.8466% | 1,131 |
| Net interest margin | 3.7306% | 2,898 |
| Noninterest income to average assets | 0.4656% | 3,066 |
| Noninterest expense to average assets | 2.0995% | 4,558 |
| Loan and lease loss provision to assets | 0.0236% | 3,552 |
| Net operating income to assets | 1.3306% | 1,741 |
| Return on assets (ROA) | 1.3238% | 1,773 |
| Pretax return on assets | 1.8433% | 920 |
| Return on Equity (ROE) | 10.5669% | 2,363 |
| Retained earnings to average equity (ytd only) | 3.1901% | 4,149 |
| Net charge-offs to loans | 0.0094% | 3,085 |
| Credit loss provision to net charge-offs | 300.3165% | 1,021 |
| Earnings coverage of net charge-offs (x) | 238.2516% | 388 |
| Efficiency ratio | 52.6306% | 4,744 |
| Assets per employee ($millions) | 8.2938% | 571 |
| Cash dividends to net income (ytd only)* | 69.8103% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 4,890 |
| Loan loss allowance to noncurrent loans | 173.2538% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 3,278 |
| Noncurrent loans to loans | 0.3986% | 3,224 |
| Net loans and leases to total assets | 83.0990% | 553 |
| Net loans and leases to deposits | 98.5592% | 903 |
| Net loans and leases to core deposits | 113.2201% | 857 |
| Total domestic deposits to total assets | 84.3138% | 2,850 |
| Equity capital to assets | 12.2762% | 1,719 |
| Core capital (leverage) ratio | 12.1051% | 1,721 |
| Tier 1 risk-based capital ratio | 14.0535% | 3,348 |
| Total risk-based capital ratio | 14.7602% | 3,536 |
| Memoranda: | ||
| Average total assets | $5,352,352,500 | 213 |
| Average earning assets | $5,034,824,500 | 201 |
| Average equity | $670,553,000 | 196 |
| Average total loans | $4,466,307,500 | 183 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 2,045 |
| Cost of funding earning assets | 0.7612% | 1,323 |
| Net interest margin | 3.7542% | 2,735 |
| Noninterest income to average assets | 0.4671% | 3,052 |
| Noninterest expense to average assets | 2.1286% | 4,543 |
| Loan and lease loss provision to assets | 0.0282% | 3,350 |
| Net operating income to assets | 1.3242% | 1,686 |
| Return on assets (ROA) | 1.3135% | 1,719 |
| Pretax return on assets | 1.8264% | 905 |
| Return on Equity (ROE) | 10.4122% | 2,377 |
| Retained earnings to average equity (ytd only) | 4.8279% | 3,162 |
| Net charge-offs to loans | -0.0012% | 3,900 |
| Credit loss provision to net charge-offs | -2,880.7692% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0694% | 4,774 |
| Assets per employee ($millions) | 8.1937% | 584 |
| Cash dividends to net income (ytd only)* | 53.6324% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 4,945 |
| Loan loss allowance to noncurrent loans | 201.3288% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 3,573 |
| Noncurrent loans to loans | 0.3475% | 3,451 |
| Net loans and leases to total assets | 83.3760% | 534 |
| Net loans and leases to deposits | 101.6323% | 688 |
| Net loans and leases to core deposits | 123.1087% | 484 |
| Total domestic deposits to total assets | 82.0369% | 3,709 |
| Equity capital to assets | 12.4649% | 1,555 |
| Core capital (leverage) ratio | 12.4150% | 1,481 |
| Tier 1 risk-based capital ratio | 14.1483% | 3,288 |
| Total risk-based capital ratio | 14.8627% | 3,464 |
| Memoranda: | ||
| Average total assets | $5,309,066,330 | 211 |
| Average earning assets | $4,991,598,330 | 201 |
| Average equity | $669,735,330 | 195 |
| Average total loans | $4,425,964,000 | 185 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 1,936 |
| Cost of funding earning assets | 0.6887% | 1,505 |
| Net interest margin | 3.7896% | 2,464 |
| Noninterest income to average assets | 0.4938% | 2,841 |
| Noninterest expense to average assets | 2.1703% | 4,490 |
| Loan and lease loss provision to assets | 0.0494% | 2,792 |
| Net operating income to assets | 1.3184% | 1,583 |
| Return on assets (ROA) | 1.2926% | 1,672 |
| Pretax return on assets | 1.8006% | 910 |
| Return on Equity (ROE) | 10.1845% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.6077% | 3,359 |
| Net charge-offs to loans | -0.0078% | 4,157 |
| Credit loss provision to net charge-offs | -763.5294% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3643% | 4,856 |
| Assets per employee ($millions) | 8.0708% | 611 |
| Cash dividends to net income (ytd only)* | 54.7574% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,988 |
| Loan loss allowance to noncurrent loans | 206.8546% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 3,549 |
| Noncurrent loans to loans | 0.3476% | 3,520 |
| Net loans and leases to total assets | 82.7494% | 565 |
| Net loans and leases to deposits | 99.9710% | 708 |
| Net loans and leases to core deposits | 121.5162% | 541 |
| Total domestic deposits to total assets | 82.7734% | 3,730 |
| Equity capital to assets | 12.5928% | 1,431 |
| Core capital (leverage) ratio | 12.5084% | 1,386 |
| Tier 1 risk-based capital ratio | 14.3940% | 3,173 |
| Total risk-based capital ratio | 15.1287% | 3,359 |
| Memoranda: | ||
| Average total assets | $5,255,590,500 | 209 |
| Average earning assets | $4,935,899,500 | 201 |
| Average equity | $667,052,500 | 196 |
| Average total loans | $4,365,208,500 | 187 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 1,618 |
| Cost of funding earning assets | 0.5879% | 1,690 |
| Net interest margin | 3.9417% | 1,948 |
| Noninterest income to average assets | 0.6489% | 2,204 |
| Noninterest expense to average assets | 2.2165% | 4,495 |
| Loan and lease loss provision to assets | 0.0167% | 3,961 |
| Net operating income to assets | 1.1407% | 1,710 |
| Return on assets (ROA) | 1.1632% | 1,667 |
| Pretax return on assets | 2.1335% | 366 |
| Return on Equity (ROE) | 9.0848% | 2,277 |
| Retained earnings to average equity (ytd only) | 5.5371% | 1,800 |
| Net charge-offs to loans | 0.0543% | 2,721 |
| Credit loss provision to net charge-offs | 37.4831% | 3,464 |
| Earnings coverage of net charge-offs (x) | 47.3297% | 1,132 |
| Efficiency ratio | 50.9986% | 5,170 |
| Assets per employee ($millions) | 8.1132% | 615 |
| Cash dividends to net income (ytd only)* | 39.0504% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 5,030 |
| Loan loss allowance to noncurrent loans | 196.4125% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,499 |
| Noncurrent loans to loans | 0.3666% | 3,447 |
| Net loans and leases to total assets | 82.1668% | 658 |
| Net loans and leases to deposits | 98.1210% | 893 |
| Net loans and leases to core deposits | 115.2891% | 745 |
| Total domestic deposits to total assets | 83.7403% | 3,299 |
| Equity capital to assets | 12.7935% | 1,356 |
| Core capital (leverage) ratio | 12.4363% | 1,385 |
| Tier 1 risk-based capital ratio | 14.4678% | 3,105 |
| Total risk-based capital ratio | 15.2005% | 3,296 |
| Memoranda: | ||
| Average total assets | $4,961,304,600 | 208 |
| Average earning assets | $4,635,149,000 | 203 |
| Average equity | $635,237,400 | 192 |
| Average total loans | $4,080,714,200 | 188 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 1,674 |
| Cost of funding earning assets | 0.5671% | 1,762 |
| Net interest margin | 3.9232% | 1,961 |
| Noninterest income to average assets | 0.6738% | 2,111 |
| Noninterest expense to average assets | 2.2288% | 4,468 |
| Loan and lease loss provision to assets | 0.0166% | 3,812 |
| Net operating income to assets | 1.2563% | 1,488 |
| Return on assets (ROA) | 1.2820% | 1,425 |
| Pretax return on assets | 2.1304% | 425 |
| Return on Equity (ROE) | 10.0102% | 2,130 |
| Retained earnings to average equity (ytd only) | 6.8644% | 1,765 |
| Net charge-offs to loans | 0.0181% | 3,134 |
| Credit loss provision to net charge-offs | 111.7002% | 2,124 |
| Earnings coverage of net charge-offs (x) | 141.5402% | 561 |
| Efficiency ratio | 51.2305% | 5,165 |
| Assets per employee ($millions) | 8.0141% | 624 |
| Cash dividends to net income (ytd only)* | 31.4257% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 4,968 |
| Loan loss allowance to noncurrent loans | 223.1900% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,765 |
| Noncurrent loans to loans | 0.3465% | 3,707 |
| Net loans and leases to total assets | 81.5439% | 758 |
| Net loans and leases to deposits | 96.7049% | 1,042 |
| Net loans and leases to core deposits | 111.6046% | 942 |
| Total domestic deposits to total assets | 84.3224% | 2,986 |
| Equity capital to assets | 13.0190% | 1,384 |
| Core capital (leverage) ratio | 12.6644% | 1,346 |
| Tier 1 risk-based capital ratio | 14.5513% | 3,156 |
| Total risk-based capital ratio | 15.3194% | 3,322 |
| Memoranda: | ||
| Average total assets | $4,899,460,500 | 211 |
| Average earning assets | $4,573,278,250 | 205 |
| Average equity | $627,454,000 | 194 |
| Average total loans | $4,023,179,750 | 191 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 1,679 |
| Cost of funding earning assets | 0.5399% | 1,845 |
| Net interest margin | 3.9059% | 1,907 |
| Noninterest income to average assets | 0.6714% | 2,122 |
| Noninterest expense to average assets | 2.2537% | 4,453 |
| Loan and lease loss provision to assets | 0.0142% | 3,669 |
| Net operating income to assets | 1.2553% | 1,419 |
| Return on assets (ROA) | 1.2873% | 1,355 |
| Pretax return on assets | 2.0932% | 451 |
| Return on Equity (ROE) | 10.1110% | 1,986 |
| Retained earnings to average equity (ytd only) | 7.8075% | 1,234 |
| Net charge-offs to loans | -0.0498% | 5,175 |
| Credit loss provision to net charge-offs | -34.6505% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0980% | 5,169 |
| Assets per employee ($millions) | 8.0125% | 623 |
| Cash dividends to net income (ytd only)* | 22.7821% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 4,878 |
| Loan loss allowance to noncurrent loans | 205.0413% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,443 |
| Noncurrent loans to loans | 0.4031% | 3,584 |
| Net loans and leases to total assets | 81.3993% | 756 |
| Net loans and leases to deposits | 94.7837% | 1,197 |
| Net loans and leases to core deposits | 111.8025% | 915 |
| Total domestic deposits to total assets | 85.8790% | 2,425 |
| Equity capital to assets | 13.2080% | 1,275 |
| Core capital (leverage) ratio | 12.8908% | 1,218 |
| Tier 1 risk-based capital ratio | 14.6246% | 3,101 |
| Total risk-based capital ratio | 15.4416% | 3,234 |
| Memoranda: | ||
| Average total assets | $4,828,284,000 | 215 |
| Average earning assets | $4,499,087,000 | 209 |
| Average equity | $614,718,330 | 200 |
| Average total loans | $3,963,631,670 | 194 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 1,698 |
| Cost of funding earning assets | 0.5080% | 2,015 |
| Net interest margin | 3.8755% | 1,871 |
| Noninterest income to average assets | 0.6661% | 2,115 |
| Noninterest expense to average assets | 2.2763% | 4,471 |
| Loan and lease loss provision to assets | -0.0067% | 5,651 |
| Net operating income to assets | 1.2321% | 1,425 |
| Return on assets (ROA) | 1.2466% | 1,421 |
| Pretax return on assets | 2.0269% | 478 |
| Return on Equity (ROE) | 9.9866% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.9866% | 810 |
| Net charge-offs to loans | -0.0823% | 5,384 |
| Credit loss provision to net charge-offs | 9.9626% | 2,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0777% | 5,198 |
| Assets per employee ($millions) | 7.6280% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,960 |
| Loan loss allowance to noncurrent loans | 259.5272% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 3,754 |
| Noncurrent loans to loans | 0.3232% | 3,964 |
| Net loans and leases to total assets | 81.4339% | 632 |
| Net loans and leases to deposits | 95.7051% | 958 |
| Net loans and leases to core deposits | 112.8041% | 737 |
| Total domestic deposits to total assets | 85.0883% | 3,049 |
| Equity capital to assets | 13.4270% | 1,097 |
| Core capital (leverage) ratio | 13.0827% | 1,110 |
| Tier 1 risk-based capital ratio | 15.0675% | 2,933 |
| Total risk-based capital ratio | 15.9081% | 3,060 |
| Memoranda: | ||
| Average total assets | $4,754,533,000 | 214 |
| Average earning assets | $4,426,098,000 | 211 |
| Average equity | $593,477,000 | 202 |
| Average total loans | $3,903,442,000 | 195 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 1,890 |
| Cost of funding earning assets | 0.4271% | 2,738 |
| Net interest margin | 3.9499% | 1,790 |
| Noninterest income to average assets | 0.7647% | 1,905 |
| Noninterest expense to average assets | 2.3568% | 4,403 |
| Loan and lease loss provision to assets | -0.0983% | 5,688 |
| Net operating income to assets | 1.3636% | 1,073 |
| Return on assets (ROA) | 1.3626% | 1,122 |
| Pretax return on assets | 2.1622% | 352 |
| Return on Equity (ROE) | 11.5666% | 1,375 |
| Retained earnings to average equity (ytd only) | 9.8393% | 433 |
| Net charge-offs to loans | 0.1775% | 1,546 |
| Credit loss provision to net charge-offs | -70.3470% | 4,851 |
| Earnings coverage of net charge-offs (x) | 14.7745% | 2,263 |
| Efficiency ratio | 53.1207% | 5,306 |
| Assets per employee ($millions) | 7.3602% | 773 |
| Cash dividends to net income (ytd only)* | 14.9335% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,982 |
| Loan loss allowance to noncurrent loans | 275.0233% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 3,634 |
| Noncurrent loans to loans | 0.3059% | 4,042 |
| Net loans and leases to total assets | 81.3850% | 687 |
| Net loans and leases to deposits | 100.2099% | 657 |
| Net loans and leases to core deposits | 116.7485% | 584 |
| Total domestic deposits to total assets | 81.2145% | 4,283 |
| Equity capital to assets | 11.5140% | 2,158 |
| Core capital (leverage) ratio | 11.3329% | 2,057 |
| Tier 1 risk-based capital ratio | 12.7979% | 4,206 |
| Total risk-based capital ratio | 13.6394% | 4,339 |
| Memoranda: | ||
| Average total assets | $4,412,155,400 | 218 |
| Average earning assets | $4,085,585,600 | 213 |
| Average equity | $519,772,600 | 214 |
| Average total loans | $3,474,112,400 | 203 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 1,979 |
| Cost of funding earning assets | 0.4129% | 2,904 |
| Net interest margin | 3.9468% | 1,827 |
| Noninterest income to average assets | 0.7747% | 1,867 |
| Noninterest expense to average assets | 2.4163% | 4,235 |
| Loan and lease loss provision to assets | -0.1379% | 5,828 |
| Net operating income to assets | 1.3777% | 1,111 |
| Return on assets (ROA) | 1.3763% | 1,181 |
| Pretax return on assets | 2.1465% | 428 |
| Return on Equity (ROE) | 11.6122% | 1,451 |
| Retained earnings to average equity (ytd only) | 9.2859% | 737 |
| Net charge-offs to loans | -0.0208% | 5,018 |
| Credit loss provision to net charge-offs | 851.9924% | 468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4106% | 5,208 |
| Assets per employee ($millions) | 6.9564% | 905 |
| Cash dividends to net income (ytd only)* | 20.0339% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,859 |
| Loan loss allowance to noncurrent loans | 355.9737% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 3,451 |
| Noncurrent loans to loans | 0.3076% | 4,148 |
| Net loans and leases to total assets | 80.0677% | 886 |
| Net loans and leases to deposits | 93.1167% | 1,354 |
| Net loans and leases to core deposits | 105.0099% | 1,276 |
| Total domestic deposits to total assets | 85.9864% | 2,356 |
| Equity capital to assets | 12.1762% | 1,992 |
| Core capital (leverage) ratio | 11.3591% | 2,148 |
| Tier 1 risk-based capital ratio | 13.5000% | 3,860 |
| Total risk-based capital ratio | 14.6071% | 3,860 |
| Memoranda: | ||
| Average total assets | $4,341,250,250 | 223 |
| Average earning assets | $4,017,344,500 | 217 |
| Average equity | $514,547,500 | 215 |
| Average total loans | $3,379,119,500 | 209 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 1,974 |
| Cost of funding earning assets | 0.3957% | 3,087 |
| Net interest margin | 3.9584% | 1,780 |
| Noninterest income to average assets | 0.7519% | 1,925 |
| Noninterest expense to average assets | 2.3713% | 4,421 |
| Loan and lease loss provision to assets | -0.1406% | 5,904 |
| Net operating income to assets | 1.4267% | 1,015 |
| Return on assets (ROA) | 1.4236% | 1,061 |
| Pretax return on assets | 2.1747% | 396 |
| Return on Equity (ROE) | 12.1231% | 1,271 |
| Retained earnings to average equity (ytd only) | 8.5859% | 978 |
| Net charge-offs to loans | 0.0113% | 3,323 |
| Credit loss provision to net charge-offs | -1,625.6684% | 5,187 |
| Earnings coverage of net charge-offs (x) | 235.6524% | 280 |
| Efficiency ratio | 53.5984% | 5,343 |
| Assets per employee ($millions) | 7.0180% | 869 |
| Cash dividends to net income (ytd only)* | 29.1778% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,672 |
| Loan loss allowance to noncurrent loans | 321.6704% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 3,388 |
| Noncurrent loans to loans | 0.3565% | 4,091 |
| Net loans and leases to total assets | 77.1623% | 1,307 |
| Net loans and leases to deposits | 94.9466% | 1,194 |
| Net loans and leases to core deposits | 108.0632% | 1,039 |
| Total domestic deposits to total assets | 81.2691% | 4,195 |
| Equity capital to assets | 11.7879% | 2,278 |
| Core capital (leverage) ratio | 11.2139% | 2,220 |
| Tier 1 risk-based capital ratio | 13.4311% | 3,947 |
| Total risk-based capital ratio | 14.5844% | 3,911 |
| Memoranda: | ||
| Average total assets | $4,322,861,000 | 223 |
| Average earning assets | $3,994,960,000 | 218 |
| Average equity | $507,624,670 | 217 |
| Average total loans | $3,319,131,330 | 210 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,011 |
| Cost of funding earning assets | 0.3980% | 3,093 |
| Net interest margin | 3.9384% | 1,817 |
| Noninterest income to average assets | 0.6354% | 2,342 |
| Noninterest expense to average assets | 2.3114% | 4,628 |
| Loan and lease loss provision to assets | -0.1430% | 6,003 |
| Net operating income to assets | 1.4710% | 902 |
| Return on assets (ROA) | 1.4645% | 957 |
| Pretax return on assets | 2.0974% | 466 |
| Return on Equity (ROE) | 12.4964% | 1,154 |
| Retained earnings to average equity (ytd only) | 8.9093% | 1,140 |
| Net charge-offs to loans | 0.0473% | 2,088 |
| Credit loss provision to net charge-offs | -397.1354% | 4,491 |
| Earnings coverage of net charge-offs (x) | 54.5469% | 829 |
| Efficiency ratio | 53.8870% | 5,394 |
| Assets per employee ($millions) | 6.9200% | 924 |
| Cash dividends to net income (ytd only)* | 28.7049% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 3,255 |
| Loan loss allowance to noncurrent loans | 252.0644% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 3,268 |
| Noncurrent loans to loans | 0.4919% | 3,703 |
| Net loans and leases to total assets | 75.9264% | 1,402 |
| Net loans and leases to deposits | 92.9794% | 1,229 |
| Net loans and leases to core deposits | 103.2019% | 1,248 |
| Total domestic deposits to total assets | 81.6594% | 4,317 |
| Equity capital to assets | 11.8123% | 2,148 |
| Core capital (leverage) ratio | 11.2153% | 2,212 |
| Tier 1 risk-based capital ratio | 13.5596% | 3,944 |
| Total risk-based capital ratio | 14.7812% | 3,888 |
| Memoranda: | ||
| Average total assets | $4,266,605,500 | 225 |
| Average earning assets | $3,942,994,500 | 220 |
| Average equity | $500,018,000 | 219 |
| Average total loans | $3,247,625,500 | 212 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 2,111 |
| Cost of funding earning assets | 0.4078% | 3,072 |
| Net interest margin | 3.9252% | 1,946 |
| Noninterest income to average assets | 0.9777% | 1,243 |
| Noninterest expense to average assets | 2.6708% | 3,689 |
| Loan and lease loss provision to assets | -0.2806% | 6,049 |
| Net operating income to assets | 1.2699% | 1,342 |
| Return on assets (ROA) | 1.3720% | 1,141 |
| Pretax return on assets | 2.3453% | 274 |
| Return on Equity (ROE) | 12.0451% | 1,286 |
| Retained earnings to average equity (ytd only) | 8.8613% | 686 |
| Net charge-offs to loans | -0.0642% | 5,634 |
| Credit loss provision to net charge-offs | 614.3235% | 553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1651% | 5,121 |
| Assets per employee ($millions) | 6.8320% | 950 |
| Cash dividends to net income (ytd only)* | 26.4321% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 2,677 |
| Loan loss allowance to noncurrent loans | 223.2013% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,074 |
| Noncurrent loans to loans | 0.6037% | 3,359 |
| Net loans and leases to total assets | 74.3262% | 1,672 |
| Net loans and leases to deposits | 89.1523% | 1,727 |
| Net loans and leases to core deposits | 99.8328% | 1,513 |
| Total domestic deposits to total assets | 83.3699% | 3,718 |
| Equity capital to assets | 11.6247% | 2,255 |
| Core capital (leverage) ratio | 11.2673% | 2,143 |
| Tier 1 risk-based capital ratio | 13.6028% | 3,949 |
| Total risk-based capital ratio | 14.8617% | 3,875 |
| Memoranda: | ||
| Average total assets | $4,142,760,600 | 220 |
| Average earning assets | $3,797,765,000 | 214 |
| Average equity | $471,892,400 | 221 |
| Average total loans | $2,948,467,400 | 217 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,092 |
| Cost of funding earning assets | 0.4079% | 3,143 |
| Net interest margin | 3.9370% | 1,910 |
| Noninterest income to average assets | 0.9452% | 1,332 |
| Noninterest expense to average assets | 2.7167% | 3,505 |
| Loan and lease loss provision to assets | -0.2519% | 6,133 |
| Net operating income to assets | 1.2037% | 1,639 |
| Return on assets (ROA) | 1.3309% | 1,316 |
| Pretax return on assets | 2.2786% | 351 |
| Return on Equity (ROE) | 11.7462% | 1,448 |
| Retained earnings to average equity (ytd only) | 8.7345% | 992 |
| Net charge-offs to loans | -0.0683% | 5,653 |
| Credit loss provision to net charge-offs | 526.3692% | 627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5756% | 4,936 |
| Assets per employee ($millions) | 6.9116% | 900 |
| Cash dividends to net income (ytd only)* | 25.6399% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 2,070 |
| Loan loss allowance to noncurrent loans | 192.5889% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 2,655 |
| Noncurrent loans to loans | 0.7893% | 2,990 |
| Net loans and leases to total assets | 71.3584% | 2,160 |
| Net loans and leases to deposits | 84.9678% | 2,285 |
| Net loans and leases to core deposits | 94.9722% | 1,981 |
| Total domestic deposits to total assets | 83.9828% | 3,436 |
| Equity capital to assets | 11.4716% | 2,530 |
| Core capital (leverage) ratio | 11.1401% | 2,361 |
| Tier 1 risk-based capital ratio | 13.4816% | 4,147 |
| Total risk-based capital ratio | 14.7420% | 4,073 |
| Memoranda: | ||
| Average total assets | $4,121,201,750 | 225 |
| Average earning assets | $3,767,937,750 | 218 |
| Average equity | $466,963,000 | 226 |
| Average total loans | $2,889,037,000 | 222 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 1,814 |
| Cost of funding earning assets | 0.4080% | 3,189 |
| Net interest margin | 4.0051% | 1,626 |
| Noninterest income to average assets | 0.8475% | 1,611 |
| Noninterest expense to average assets | 2.7329% | 3,478 |
| Loan and lease loss provision to assets | -0.1994% | 6,179 |
| Net operating income to assets | 1.1635% | 1,732 |
| Return on assets (ROA) | 1.2917% | 1,405 |
| Pretax return on assets | 2.1811% | 431 |
| Return on Equity (ROE) | 11.4486% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.4031% | 1,118 |
| Net charge-offs to loans | -0.1574% | 5,949 |
| Credit loss provision to net charge-offs | 182.7509% | 1,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3315% | 4,938 |
| Assets per employee ($millions) | 6.0921% | 1,283 |
| Cash dividends to net income (ytd only)* | 26.6016% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 1,453 |
| Loan loss allowance to noncurrent loans | 107.4922% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 1,658 |
| Noncurrent loans to loans | 1.6409% | 1,595 |
| Net loans and leases to total assets | 71.3643% | 2,098 |
| Net loans and leases to deposits | 81.8749% | 2,569 |
| Net loans and leases to core deposits | 91.4334% | 2,204 |
| Total domestic deposits to total assets | 87.1626% | 2,076 |
| Equity capital to assets | 11.8491% | 2,138 |
| Core capital (leverage) ratio | 10.9927% | 2,427 |
| Tier 1 risk-based capital ratio | 13.9438% | 3,968 |
| Total risk-based capital ratio | 15.2070% | 3,889 |
| Memoranda: | ||
| Average total assets | $4,091,884,330 | 228 |
| Average earning assets | $3,746,365,330 | 221 |
| Average equity | $461,664,670 | 230 |
| Average total loans | $2,835,401,670 | 224 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 1,830 |
| Cost of funding earning assets | 0.4032% | 3,267 |
| Net interest margin | 3.9792% | 1,628 |
| Noninterest income to average assets | 0.7436% | 1,944 |
| Noninterest expense to average assets | 2.8585% | 3,036 |
| Loan and lease loss provision to assets | -0.1614% | 6,242 |
| Net operating income to assets | 0.9914% | 2,301 |
| Return on assets (ROA) | 1.1260% | 1,876 |
| Pretax return on assets | 1.9022% | 716 |
| Return on Equity (ROE) | 10.2253% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.1540% | 1,944 |
| Net charge-offs to loans | -0.2787% | 6,127 |
| Credit loss provision to net charge-offs | 85.5612% | 1,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9214% | 4,333 |
| Assets per employee ($millions) | 6.2854% | 1,197 |
| Cash dividends to net income (ytd only)* | 30.0359% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 1,337 |
| Loan loss allowance to noncurrent loans | 180.9727% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 2,592 |
| Noncurrent loans to loans | 1.0343% | 2,699 |
| Net loans and leases to total assets | 68.0503% | 2,432 |
| Net loans and leases to deposits | 77.7622% | 2,834 |
| Net loans and leases to core deposits | 86.8960% | 2,444 |
| Total domestic deposits to total assets | 87.5108% | 2,101 |
| Equity capital to assets | 11.3869% | 2,569 |
| Core capital (leverage) ratio | 10.7203% | 2,725 |
| Tier 1 risk-based capital ratio | 14.1426% | 3,923 |
| Total risk-based capital ratio | 15.3984% | 3,843 |
| Memoranda: | ||
| Average total assets | $4,154,858,500 | 224 |
| Average earning assets | $3,806,331,500 | 218 |
| Average equity | $457,532,500 | 229 |
| Average total loans | $2,812,563,000 | 223 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 2,902 |
| Cost of funding earning assets | 0.4214% | 3,466 |
| Net interest margin | 3.7941% | 2,648 |
| Noninterest income to average assets | 0.7309% | 2,161 |
| Noninterest expense to average assets | 2.6512% | 4,044 |
| Loan and lease loss provision to assets | -0.1753% | 6,261 |
| Net operating income to assets | 1.0366% | 2,230 |
| Return on assets (ROA) | 1.0729% | 2,131 |
| Pretax return on assets | 1.8010% | 787 |
| Return on Equity (ROE) | 9.0853% | 2,547 |
| Retained earnings to average equity (ytd only) | -17.2008% | 6,400 |
| Net charge-offs to loans | -0.0555% | 5,960 |
| Credit loss provision to net charge-offs | 452.7007% | 578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7339% | 4,791 |
| Assets per employee ($millions) | 6.1271% | 1,297 |
| Cash dividends to net income (ytd only)* | 289.3262% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 1,342 |
| Loan loss allowance to noncurrent loans | 85.3618% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.8344% | 1,413 |
| Noncurrent loans to loans | 2.2108% | 1,202 |
| Net loans and leases to total assets | 64.8346% | 3,082 |
| Net loans and leases to deposits | 76.6629% | 3,123 |
| Net loans and leases to core deposits | 86.1142% | 2,677 |
| Total domestic deposits to total assets | 84.5711% | 3,472 |
| Equity capital to assets | 10.6115% | 3,345 |
| Core capital (leverage) ratio | 10.3424% | 3,121 |
| Tier 1 risk-based capital ratio | 13.8755% | 4,188 |
| Total risk-based capital ratio | 15.1316% | 4,122 |
| Memoranda: | ||
| Average total assets | $3,538,097,800 | 236 |
| Average earning assets | $3,253,769,800 | 232 |
| Average equity | $417,840,800 | 232 |
| Average total loans | $2,470,174,200 | 232 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 3,089 |
| Cost of funding earning assets | 0.4204% | 3,570 |
| Net interest margin | 3.7501% | 2,812 |
| Noninterest income to average assets | 0.5875% | 2,944 |
| Noninterest expense to average assets | 2.2785% | 5,158 |
| Loan and lease loss provision to assets | -0.2956% | 6,455 |
| Net operating income to assets | 1.2332% | 1,570 |
| Return on assets (ROA) | 1.2801% | 1,486 |
| Pretax return on assets | 2.1301% | 426 |
| Return on Equity (ROE) | 10.5050% | 2,001 |
| Retained earnings to average equity (ytd only) | -17.7559% | 6,472 |
| Net charge-offs to loans | -0.0607% | 5,982 |
| Credit loss provision to net charge-offs | 686.5685% | 438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4051% | 5,622 |
| Assets per employee ($millions) | 6.1152% | 1,250 |
| Cash dividends to net income (ytd only)* | 269.0237% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 1,445 |
| Loan loss allowance to noncurrent loans | 73.6081% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.2287% | 1,236 |
| Noncurrent loans to loans | 2.5876% | 1,111 |
| Net loans and leases to total assets | 62.2881% | 3,442 |
| Net loans and leases to deposits | 72.8623% | 3,581 |
| Net loans and leases to core deposits | 81.5737% | 3,142 |
| Total domestic deposits to total assets | 85.4874% | 3,121 |
| Equity capital to assets | 10.7081% | 3,287 |
| Core capital (leverage) ratio | 12.6771% | 1,317 |
| Tier 1 risk-based capital ratio | 14.9523% | 3,615 |
| Total risk-based capital ratio | 16.2094% | 3,540 |
| Memoranda: | ||
| Average total assets | $3,365,690,250 | 245 |
| Average earning assets | $3,098,223,500 | 239 |
| Average equity | $410,144,500 | 231 |
| Average total loans | $2,389,279,250 | 232 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 2,152 |
| Cost of funding earning assets | 0.4547% | 3,274 |
| Net interest margin | 3.9528% | 1,956 |
| Noninterest income to average assets | 0.5438% | 3,178 |
| Noninterest expense to average assets | 2.2487% | 5,291 |
| Loan and lease loss provision to assets | -0.4882% | 6,588 |
| Net operating income to assets | 1.4774% | 913 |
| Return on assets (ROA) | 1.5516% | 826 |
| Pretax return on assets | 2.5456% | 192 |
| Return on Equity (ROE) | 12.0622% | 1,403 |
| Retained earnings to average equity (ytd only) | 9.8071% | 766 |
| Net charge-offs to loans | -0.1609% | 6,288 |
| Credit loss provision to net charge-offs | 407.7633% | 684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6672% | 5,934 |
| Assets per employee ($millions) | 7.2754% | 704 |
| Cash dividends to net income (ytd only)* | 18.6955% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2018% | 1,022 |
| Loan loss allowance to noncurrent loans | 204.4366% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8763% | 3,353 |
| Noncurrent loans to loans | 1.0770% | 3,076 |
| Net loans and leases to total assets | 74.5350% | 1,373 |
| Net loans and leases to deposits | 90.0242% | 1,369 |
| Net loans and leases to core deposits | 100.2121% | 1,267 |
| Total domestic deposits to total assets | 82.7944% | 4,387 |
| Equity capital to assets | 13.2310% | 1,255 |
| Core capital (leverage) ratio | 13.4908% | 978 |
| Tier 1 risk-based capital ratio | 15.9131% | 3,141 |
| Total risk-based capital ratio | 17.1736% | 3,070 |
| Memoranda: | ||
| Average total assets | $3,077,019,330 | 258 |
| Average earning assets | $2,838,359,670 | 254 |
| Average equity | $395,814,670 | 230 |
| Average total loans | $2,290,030,000 | 241 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,096 |
| Cost of funding earning assets | 0.4610% | 3,300 |
| Net interest margin | 3.9500% | 1,929 |
| Noninterest income to average assets | 0.5235% | 3,239 |
| Noninterest expense to average assets | 2.2464% | 5,336 |
| Loan and lease loss provision to assets | -0.4703% | 6,660 |
| Net operating income to assets | 1.3903% | 1,003 |
| Return on assets (ROA) | 1.5088% | 835 |
| Pretax return on assets | 2.5835% | 201 |
| Return on Equity (ROE) | 11.9003% | 1,438 |
| Retained earnings to average equity (ytd only) | 9.6133% | 1,075 |
| Net charge-offs to loans | -0.4693% | 6,551 |
| Credit loss provision to net charge-offs | 136.2915% | 1,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8133% | 6,027 |
| Assets per employee ($millions) | 6.8978% | 839 |
| Cash dividends to net income (ytd only)* | 19.2175% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4838% | 821 |
| Loan loss allowance to noncurrent loans | 226.3488% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 3,717 |
| Noncurrent loans to loans | 1.0973% | 3,226 |
| Net loans and leases to total assets | 71.9018% | 1,591 |
| Net loans and leases to deposits | 88.1138% | 1,349 |
| Net loans and leases to core deposits | 96.5999% | 1,342 |
| Total domestic deposits to total assets | 81.6010% | 5,059 |
| Equity capital to assets | 12.8048% | 1,396 |
| Core capital (leverage) ratio | 13.1371% | 1,111 |
| Tier 1 risk-based capital ratio | 15.9121% | 3,210 |
| Total risk-based capital ratio | 17.1759% | 3,160 |
| Memoranda: | ||
| Average total assets | $3,069,511,000 | 258 |
| Average earning assets | $2,837,048,500 | 252 |
| Average equity | $389,168,000 | 232 |
| Average total loans | $2,256,777,500 | 244 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,669 |
| Cost of funding earning assets | 0.4882% | 3,733 |
| Net interest margin | 4.1777% | 1,427 |
| Noninterest income to average assets | 0.8409% | 1,900 |
| Noninterest expense to average assets | 2.3116% | 5,345 |
| Loan and lease loss provision to assets | 0.0201% | 4,736 |
| Net operating income to assets | 1.4787% | 860 |
| Return on assets (ROA) | 1.4971% | 868 |
| Pretax return on assets | 2.3714% | 241 |
| Return on Equity (ROE) | 10.7337% | 1,848 |
| Retained earnings to average equity (ytd only) | -10.4112% | 6,544 |
| Net charge-offs to loans | 0.2935% | 2,220 |
| Credit loss provision to net charge-offs | 9.1053% | 4,594 |
| Earnings coverage of net charge-offs (x) | 10.6943% | 2,328 |
| Efficiency ratio | 49.4519% | 6,422 |
| Assets per employee ($millions) | 6.7752% | 864 |
| Cash dividends to net income (ytd only)* | 196.9951% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5751% | 746 |
| Loan loss allowance to noncurrent loans | 222.6327% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8727% | 3,706 |
| Noncurrent loans to loans | 1.1567% | 3,227 |
| Net loans and leases to total assets | 71.4209% | 1,772 |
| Net loans and leases to deposits | 86.1514% | 1,665 |
| Net loans and leases to core deposits | 95.1115% | 1,521 |
| Total domestic deposits to total assets | 82.9017% | 4,575 |
| Equity capital to assets | 12.5505% | 1,493 |
| Core capital (leverage) ratio | 13.0464% | 1,123 |
| Tier 1 risk-based capital ratio | 15.5294% | 3,357 |
| Total risk-based capital ratio | 16.7937% | 3,302 |
| Memoranda: | ||
| Average total assets | $2,863,126,400 | 264 |
| Average earning assets | $2,627,310,800 | 260 |
| Average equity | $399,330,400 | 231 |
| Average total loans | $2,155,446,000 | 242 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 1,518 |
| Cost of funding earning assets | 0.4904% | 3,863 |
| Net interest margin | 4.2430% | 1,216 |
| Noninterest income to average assets | 0.8602% | 1,893 |
| Noninterest expense to average assets | 2.3566% | 5,165 |
| Loan and lease loss provision to assets | 0.0234% | 4,541 |
| Net operating income to assets | 1.4965% | 906 |
| Return on assets (ROA) | 1.5243% | 906 |
| Pretax return on assets | 2.4109% | 271 |
| Return on Equity (ROE) | 10.6409% | 1,945 |
| Retained earnings to average equity (ytd only) | -16.5255% | 6,723 |
| Net charge-offs to loans | 0.3846% | 1,667 |
| Credit loss provision to net charge-offs | 8.0195% | 4,240 |
| Earnings coverage of net charge-offs (x) | 8.1992% | 2,664 |
| Efficiency ratio | 49.6406% | 6,415 |
| Assets per employee ($millions) | 6.3665% | 992 |
| Cash dividends to net income (ytd only)* | 255.3023% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6617% | 779 |
| Loan loss allowance to noncurrent loans | 252.4041% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8144% | 4,071 |
| Noncurrent loans to loans | 1.0545% | 3,693 |
| Net loans and leases to total assets | 74.2339% | 1,257 |
| Net loans and leases to deposits | 86.2245% | 1,593 |
| Net loans and leases to core deposits | 94.9976% | 1,477 |
| Total domestic deposits to total assets | 86.0937% | 3,204 |
| Equity capital to assets | 13.3849% | 1,168 |
| Core capital (leverage) ratio | 13.1007% | 1,166 |
| Tier 1 risk-based capital ratio | 15.6685% | 3,367 |
| Total risk-based capital ratio | 16.9278% | 3,323 |
| Memoranda: | ||
| Average total assets | $2,816,702,000 | 268 |
| Average earning assets | $2,580,510,500 | 264 |
| Average equity | $403,502,500 | 226 |
| Average total loans | $2,135,544,250 | 240 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 1,681 |
| Cost of funding earning assets | 0.4927% | 3,964 |
| Net interest margin | 4.1651% | 1,362 |
| Noninterest income to average assets | 0.9251% | 1,730 |
| Noninterest expense to average assets | 2.2984% | 5,376 |
| Loan and lease loss provision to assets | 0.0359% | 4,230 |
| Net operating income to assets | 1.5490% | 820 |
| Return on assets (ROA) | 1.5632% | 870 |
| Pretax return on assets | 2.4268% | 300 |
| Return on Equity (ROE) | 10.6760% | 1,937 |
| Retained earnings to average equity (ytd only) | -28.2235% | 6,843 |
| Net charge-offs to loans | 0.3701% | 1,723 |
| Credit loss provision to net charge-offs | 12.8146% | 3,860 |
| Earnings coverage of net charge-offs (x) | 8.7155% | 2,372 |
| Efficiency ratio | 48.5006% | 6,506 |
| Assets per employee ($millions) | 6.1965% | 1,075 |
| Cash dividends to net income (ytd only)* | 364.3651% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7333% | 760 |
| Loan loss allowance to noncurrent loans | 196.1411% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 3,470 |
| Noncurrent loans to loans | 1.3935% | 3,213 |
| Net loans and leases to total assets | 77.0994% | 858 |
| Net loans and leases to deposits | 89.6375% | 1,182 |
| Net loans and leases to core deposits | 99.9779% | 1,079 |
| Total domestic deposits to total assets | 86.0124% | 3,357 |
| Equity capital to assets | 13.5042% | 1,134 |
| Core capital (leverage) ratio | 12.6691% | 1,303 |
| Tier 1 risk-based capital ratio | 14.9164% | 3,834 |
| Total risk-based capital ratio | 16.1823% | 3,787 |
| Memoranda: | ||
| Average total assets | $2,809,112,670 | 269 |
| Average earning assets | $2,572,159,330 | 263 |
| Average equity | $411,317,000 | 224 |
| Average total loans | $2,125,563,000 | 237 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,014 |
| Cost of funding earning assets | 0.4931% | 4,150 |
| Net interest margin | 4.0493% | 1,617 |
| Noninterest income to average assets | 0.9728% | 1,546 |
| Noninterest expense to average assets | 2.2387% | 5,589 |
| Loan and lease loss provision to assets | 0.0277% | 4,117 |
| Net operating income to assets | 1.5672% | 751 |
| Return on assets (ROA) | 1.5680% | 812 |
| Pretax return on assets | 2.4172% | 301 |
| Return on Equity (ROE) | 10.3176% | 1,951 |
| Retained earnings to average equity (ytd only) | -17.5653% | 6,804 |
| Net charge-offs to loans | 0.4415% | 1,348 |
| Credit loss provision to net charge-offs | 8.4848% | 3,163 |
| Earnings coverage of net charge-offs (x) | 7.4892% | 2,061 |
| Efficiency ratio | 47.8114% | 6,617 |
| Assets per employee ($millions) | 5.9672% | 1,276 |
| Cash dividends to net income (ytd only)* | 270.2459% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8750% | 753 |
| Loan loss allowance to noncurrent loans | 173.8381% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 3,378 |
| Noncurrent loans to loans | 1.6538% | 3,061 |
| Net loans and leases to total assets | 74.1817% | 1,049 |
| Net loans and leases to deposits | 87.9447% | 1,154 |
| Net loans and leases to core deposits | 97.0169% | 1,143 |
| Total domestic deposits to total assets | 84.3504% | 4,334 |
| Equity capital to assets | 15.0988% | 735 |
| Core capital (leverage) ratio | 14.0666% | 782 |
| Tier 1 risk-based capital ratio | 17.3631% | 2,620 |
| Total risk-based capital ratio | 18.6287% | 2,577 |
| Memoranda: | ||
| Average total assets | $2,831,841,500 | 268 |
| Average earning assets | $2,594,216,500 | 263 |
| Average equity | $430,370,500 | 219 |
| Average total loans | $2,093,026,000 | 245 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 2,834 |
| Cost of funding earning assets | 0.6194% | 4,180 |
| Net interest margin | 4.0236% | 2,299 |
| Noninterest income to average assets | 0.6295% | 3,114 |
| Noninterest expense to average assets | 2.3987% | 5,411 |
| Loan and lease loss provision to assets | 0.2545% | 2,618 |
| Net operating income to assets | 3.3660% | 87 |
| Return on assets (ROA) | 3.4157% | 84 |
| Pretax return on assets | 1.7314% | 1,068 |
| Return on Equity (ROE) | 24.4353% | 140 |
| Retained earnings to average equity (ytd only) | 24.4353% | 32 |
| Net charge-offs to loans | 1.6180% | 525 |
| Credit loss provision to net charge-offs | 21.1821% | 5,272 |
| Earnings coverage of net charge-offs (x) | 1.6116% | 4,640 |
| Efficiency ratio | 55.3062% | 6,138 |
| Assets per employee ($millions) | 6.2408% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0765% | 615 |
| Loan loss allowance to noncurrent loans | 167.6332% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 3,397 |
| Noncurrent loans to loans | 1.8353% | 2,874 |
| Net loans and leases to total assets | 69.3204% | 1,969 |
| Net loans and leases to deposits | 82.3386% | 1,957 |
| Net loans and leases to core deposits | 91.3200% | 1,694 |
| Total domestic deposits to total assets | 84.1894% | 4,227 |
| Equity capital to assets | 15.2932% | 680 |
| Core capital (leverage) ratio | 14.3294% | 714 |
| Tier 1 risk-based capital ratio | 18.5791% | 2,078 |
| Total risk-based capital ratio | 19.8505% | 2,034 |
| Memoranda: | ||
| Average total assets | $2,812,348,200 | 260 |
| Average earning assets | $2,589,941,400 | 254 |
| Average equity | $393,127,600 | 230 |
| Average total loans | $2,088,226,200 | 234 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 3,018 |
| Cost of funding earning assets | 0.6529% | 4,170 |
| Net interest margin | 3.9961% | 2,512 |
| Noninterest income to average assets | 0.5569% | 3,563 |
| Noninterest expense to average assets | 2.4231% | 5,331 |
| Loan and lease loss provision to assets | 0.3219% | 2,051 |
| Net operating income to assets | 3.7768% | 69 |
| Return on assets (ROA) | 3.8432% | 71 |
| Pretax return on assets | 1.5667% | 1,684 |
| Return on Equity (ROE) | 28.1749% | 96 |
| Retained earnings to average equity (ytd only) | 28.1749% | 40 |
| Net charge-offs to loans | 1.9454% | 383 |
| Credit loss provision to net charge-offs | 22.0733% | 4,923 |
| Earnings coverage of net charge-offs (x) | 1.2497% | 4,660 |
| Efficiency ratio | 57.0395% | 5,913 |
| Assets per employee ($millions) | 6.1672% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2443% | 582 |
| Loan loss allowance to noncurrent loans | 134.6018% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.7440% | 2,989 |
| Noncurrent loans to loans | 2.4103% | 2,389 |
| Net loans and leases to total assets | 69.4960% | 2,016 |
| Net loans and leases to deposits | 82.3229% | 2,073 |
| Net loans and leases to core deposits | 91.3344% | 1,846 |
| Total domestic deposits to total assets | 84.4188% | 4,023 |
| Equity capital to assets | 14.9650% | 832 |
| Core capital (leverage) ratio | 14.0508% | 823 |
| Tier 1 risk-based capital ratio | 18.6346% | 2,124 |
| Total risk-based capital ratio | 19.9092% | 2,083 |
| Memoranda: | ||
| Average total assets | $2,796,182,000 | 264 |
| Average earning assets | $2,580,917,000 | 256 |
| Average equity | $381,413,000 | 235 |
| Average total loans | $2,095,867,250 | 232 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6982% | 2,919 |
| Cost of funding earning assets | 0.6958% | 4,047 |
| Net interest margin | 4.0025% | 2,493 |
| Noninterest income to average assets | 0.4788% | 4,067 |
| Noninterest expense to average assets | 2.4702% | 5,234 |
| Loan and lease loss provision to assets | 0.4767% | 1,330 |
| Net operating income to assets | 4.6207% | 51 |
| Return on assets (ROA) | 4.7200% | 50 |
| Pretax return on assets | 1.3349% | 2,440 |
| Return on Equity (ROE) | 35.7840% | 50 |
| Retained earnings to average equity (ytd only) | 35.7840% | 35 |
| Net charge-offs to loans | 2.3332% | 316 |
| Credit loss provision to net charge-offs | 26.8793% | 4,487 |
| Earnings coverage of net charge-offs (x) | 0.9654% | 4,549 |
| Efficiency ratio | 59.0023% | 5,731 |
| Assets per employee ($millions) | 6.1637% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4310% | 524 |
| Loan loss allowance to noncurrent loans | 147.8367% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.7491% | 3,104 |
| Noncurrent loans to loans | 2.3208% | 2,577 |
| Net loans and leases to total assets | 71.2132% | 1,694 |
| Net loans and leases to deposits | 83.7225% | 1,891 |
| Net loans and leases to core deposits | 93.5512% | 1,650 |
| Total domestic deposits to total assets | 85.0586% | 3,829 |
| Equity capital to assets | 14.3379% | 961 |
| Core capital (leverage) ratio | 13.9544% | 817 |
| Tier 1 risk-based capital ratio | 17.7858% | 2,370 |
| Total risk-based capital ratio | 19.0639% | 2,322 |
| Memoranda: | ||
| Average total assets | $2,782,601,670 | 265 |
| Average earning assets | $2,574,917,000 | 256 |
| Average equity | $367,035,330 | 237 |
| Average total loans | $2,115,271,000 | 234 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 2,877 |
| Cost of funding earning assets | 0.7740% | 3,669 |
| Net interest margin | 3.9677% | 2,639 |
| Noninterest income to average assets | 0.3278% | 5,243 |
| Noninterest expense to average assets | 2.3878% | 5,513 |
| Loan and lease loss provision to assets | 0.3487% | 1,792 |
| Net operating income to assets | 1.2753% | 1,519 |
| Return on assets (ROA) | 1.2755% | 1,689 |
| Pretax return on assets | 1.2870% | 2,585 |
| Return on Equity (ROE) | 10.1243% | 2,353 |
| Retained earnings to average equity (ytd only) | 10.1243% | 1,234 |
| Net charge-offs to loans | 2.1238% | 428 |
| Credit loss provision to net charge-offs | 21.2691% | 3,757 |
| Earnings coverage of net charge-offs (x) | 0.9976% | 3,831 |
| Efficiency ratio | 59.2409% | 5,735 |
| Assets per employee ($millions) | 5.7165% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7631% | 443 |
| Loan loss allowance to noncurrent loans | 123.3931% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 2.4196% | 2,445 |
| Noncurrent loans to loans | 3.0497% | 2,115 |
| Net loans and leases to total assets | 74.9186% | 930 |
| Net loans and leases to deposits | 86.5008% | 1,359 |
| Net loans and leases to core deposits | 97.5899% | 1,157 |
| Total domestic deposits to total assets | 86.6103% | 3,171 |
| Equity capital to assets | 12.7107% | 1,592 |
| Core capital (leverage) ratio | 12.6741% | 1,260 |
| Tier 1 risk-based capital ratio | 16.4519% | 2,931 |
| Total risk-based capital ratio | 17.7360% | 2,884 |
| Memoranda: | ||
| Average total assets | $2,753,166,500 | 264 |
| Average earning assets | $2,564,299,000 | 251 |
| Average equity | $346,849,500 | 243 |
| Average total loans | $2,125,208,000 | 229 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 2,986 |
| Cost of funding earning assets | 0.9515% | 3,713 |
| Net interest margin | 4.0257% | 2,757 |
| Noninterest income to average assets | 0.5754% | 3,327 |
| Noninterest expense to average assets | 2.6333% | 4,981 |
| Loan and lease loss provision to assets | 0.4509% | 2,344 |
| Net operating income to assets | 1.2272% | 1,438 |
| Return on assets (ROA) | 1.2848% | 1,387 |
| Pretax return on assets | 1.3112% | 2,084 |
| Return on Equity (ROE) | 12.5925% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.5925% | 258 |
| Net charge-offs to loans | 3.2146% | 272 |
| Credit loss provision to net charge-offs | 18.2583% | 5,937 |
| Earnings coverage of net charge-offs (x) | 0.6897% | 5,298 |
| Efficiency ratio | 60.3771% | 5,693 |
| Assets per employee ($millions) | 6.2690% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2897% | 297 |
| Loan loss allowance to noncurrent loans | 133.4362% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 2.4668% | 2,467 |
| Noncurrent loans to loans | 3.2148% | 2,010 |
| Net loans and leases to total assets | 73.2454% | 1,398 |
| Net loans and leases to deposits | 84.3940% | 1,872 |
| Net loans and leases to core deposits | 98.5411% | 1,296 |
| Total domestic deposits to total assets | 86.7897% | 2,884 |
| Equity capital to assets | 12.4846% | 1,807 |
| Core capital (leverage) ratio | 12.5016% | 1,352 |
| Tier 1 risk-based capital ratio | 16.2759% | 2,916 |
| Total risk-based capital ratio | 17.5659% | 2,870 |
| Memoranda: | ||
| Average total assets | $2,780,037,400 | 259 |
| Average earning assets | $2,597,377,600 | 247 |
| Average equity | $283,652,200 | 274 |
| Average total loans | $2,135,861,600 | 226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 2,915 |
| Cost of funding earning assets | 0.9849% | 3,784 |
| Net interest margin | 4.0490% | 2,693 |
| Noninterest income to average assets | 0.5277% | 3,671 |
| Noninterest expense to average assets | 2.5983% | 5,085 |
| Loan and lease loss provision to assets | 0.3964% | 2,476 |
| Net operating income to assets | 1.2877% | 1,411 |
| Return on assets (ROA) | 1.3642% | 1,318 |
| Pretax return on assets | 1.3980% | 1,948 |
| Return on Equity (ROE) | 14.1472% | 1,010 |
| Retained earnings to average equity (ytd only) | 14.1472% | 289 |
| Net charge-offs to loans | 3.3283% | 252 |
| Credit loss provision to net charge-offs | 15.4864% | 5,615 |
| Earnings coverage of net charge-offs (x) | 0.6705% | 5,122 |
| Efficiency ratio | 59.8272% | 5,753 |
| Assets per employee ($millions) | 5.9194% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9663% | 191 |
| Loan loss allowance to noncurrent loans | 105.5380% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 3.5723% | 1,755 |
| Noncurrent loans to loans | 4.7057% | 1,369 |
| Net loans and leases to total assets | 71.9272% | 1,723 |
| Net loans and leases to deposits | 81.7514% | 2,406 |
| Net loans and leases to core deposits | 95.3581% | 1,665 |
| Total domestic deposits to total assets | 87.9828% | 2,040 |
| Equity capital to assets | 10.6377% | 3,531 |
| Core capital (leverage) ratio | 10.4104% | 2,985 |
| Tier 1 risk-based capital ratio | 13.4240% | 4,789 |
| Total risk-based capital ratio | 14.7201% | 4,727 |
| Memoranda: | ||
| Average total assets | $2,790,154,500 | 254 |
| Average earning assets | $2,609,542,750 | 243 |
| Average equity | $269,059,500 | 292 |
| Average total loans | $2,145,691,250 | 224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 2,952 |
| Cost of funding earning assets | 1.0204% | 3,815 |
| Net interest margin | 4.0229% | 2,728 |
| Noninterest income to average assets | 0.5456% | 3,504 |
| Noninterest expense to average assets | 2.5314% | 5,432 |
| Loan and lease loss provision to assets | 0.0726% | 5,398 |
| Net operating income to assets | 1.6564% | 658 |
| Return on assets (ROA) | 1.6516% | 706 |
| Pretax return on assets | 1.7028% | 1,054 |
| Return on Equity (ROE) | 17.7044% | 488 |
| Retained earnings to average equity (ytd only) | 17.7044% | 145 |
| Net charge-offs to loans | 3.4843% | 254 |
| Credit loss provision to net charge-offs | 2.6960% | 5,314 |
| Earnings coverage of net charge-offs (x) | 0.6611% | 4,798 |
| Efficiency ratio | 58.2729% | 6,128 |
| Assets per employee ($millions) | 5.9867% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1607% | 170 |
| Loan loss allowance to noncurrent loans | 65.2470% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 6.2248% | 885 |
| Noncurrent loans to loans | 7.9094% | 577 |
| Net loans and leases to total assets | 74.0458% | 1,410 |
| Net loans and leases to deposits | 83.2957% | 2,217 |
| Net loans and leases to core deposits | 97.3455% | 1,550 |
| Total domestic deposits to total assets | 88.8952% | 1,600 |
| Equity capital to assets | 10.3368% | 3,699 |
| Core capital (leverage) ratio | 9.7045% | 3,654 |
| Tier 1 risk-based capital ratio | 12.7214% | 5,159 |
| Total risk-based capital ratio | 14.0196% | 5,083 |
| Memoranda: | ||
| Average total assets | $2,826,369,670 | 252 |
| Average earning assets | $2,646,014,330 | 238 |
| Average equity | $263,662,670 | 295 |
| Average total loans | $2,184,412,670 | 224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 2,991 |
| Cost of funding earning assets | 1.0448% | 3,890 |
| Net interest margin | 3.9788% | 2,779 |
| Noninterest income to average assets | 0.4770% | 4,073 |
| Noninterest expense to average assets | 2.3564% | 6,029 |
| Loan and lease loss provision to assets | 0.1768% | 3,854 |
| Net operating income to assets | 1.6571% | 616 |
| Return on assets (ROA) | 1.6571% | 648 |
| Pretax return on assets | 1.6735% | 1,026 |
| Return on Equity (ROE) | 18.7108% | 419 |
| Retained earnings to average equity (ytd only) | 18.7108% | 210 |
| Net charge-offs to loans | 3.8835% | 238 |
| Credit loss provision to net charge-offs | 5.9195% | 4,422 |
| Earnings coverage of net charge-offs (x) | 0.6195% | 4,165 |
| Efficiency ratio | 55.5307% | 6,553 |
| Assets per employee ($millions) | 6.4996% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7872% | 116 |
| Loan loss allowance to noncurrent loans | 82.8978% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 5.3735% | 1,146 |
| Noncurrent loans to loans | 6.9811% | 795 |
| Net loans and leases to total assets | 71.2765% | 1,863 |
| Net loans and leases to deposits | 83.9445% | 2,043 |
| Net loans and leases to core deposits | 98.3216% | 1,493 |
| Total domestic deposits to total assets | 84.9091% | 4,078 |
| Equity capital to assets | 9.1074% | 5,031 |
| Core capital (leverage) ratio | 9.0803% | 4,479 |
| Tier 1 risk-based capital ratio | 11.6980% | 5,942 |
| Total risk-based capital ratio | 13.0027% | 5,902 |
| Memoranda: | ||
| Average total assets | $2,886,563,000 | 247 |
| Average earning assets | $2,705,950,000 | 236 |
| Average equity | $255,638,000 | 298 |
| Average total loans | $2,220,270,500 | 221 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2375% | 3,422 |
| Cost of funding earning assets | 1.2928% | 3,928 |
| Net interest margin | 3.9446% | 3,284 |
| Noninterest income to average assets | 0.3995% | 4,914 |
| Noninterest expense to average assets | 2.6848% | 5,055 |
| Loan and lease loss provision to assets | 4.1160% | 152 |
| Net operating income to assets | -2.7442% | 7,235 |
| Return on assets (ROA) | -2.7666% | 7,259 |
| Pretax return on assets | -2.7644% | 7,234 |
| Return on Equity (ROE) | -39.1905% | 7,340 |
| Retained earnings to average equity (ytd only) | -39.1905% | 7,333 |
| Net charge-offs to loans | 4.8115% | 198 |
| Credit loss provision to net charge-offs | 100.8721% | 4,508 |
| Earnings coverage of net charge-offs (x) | 0.3367% | 5,771 |
| Efficiency ratio | 65.4347% | 5,085 |
| Assets per employee ($millions) | 6.4166% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4425% | 83 |
| Loan loss allowance to noncurrent loans | 86.4101% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 5.9690% | 998 |
| Noncurrent loans to loans | 7.4557% | 726 |
| Net loans and leases to total assets | 73.1321% | 1,844 |
| Net loans and leases to deposits | 85.6742% | 2,157 |
| Net loans and leases to core deposits | 101.8097% | 1,470 |
| Total domestic deposits to total assets | 85.3608% | 3,687 |
| Equity capital to assets | 8.6072% | 5,711 |
| Core capital (leverage) ratio | 8.5489% | 5,279 |
| Tier 1 risk-based capital ratio | 10.9068% | 6,406 |
| Total risk-based capital ratio | 12.2215% | 6,320 |
| Memoranda: | ||
| Average total assets | $2,987,217,800 | 245 |
| Average earning assets | $2,771,190,600 | 236 |
| Average equity | $210,877,800 | 336 |
| Average total loans | $2,533,358,600 | 207 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 3,398 |
| Cost of funding earning assets | 1.3363% | 4,001 |
| Net interest margin | 3.9532% | 3,309 |
| Noninterest income to average assets | 0.3349% | 5,482 |
| Noninterest expense to average assets | 2.6865% | 4,938 |
| Loan and lease loss provision to assets | 5.2159% | 79 |
| Net operating income to assets | -3.9106% | 7,562 |
| Return on assets (ROA) | -3.9404% | 7,578 |
| Pretax return on assets | -3.9406% | 7,557 |
| Return on Equity (ROE) | -58.9325% | 7,600 |
| Retained earnings to average equity (ytd only) | -58.9325% | 7,598 |
| Net charge-offs to loans | 4.4433% | 232 |
| Credit loss provision to net charge-offs | 135.8563% | 2,955 |
| Earnings coverage of net charge-offs (x) | 0.3399% | 5,686 |
| Efficiency ratio | 66.5386% | 4,742 |
| Assets per employee ($millions) | 6.3678% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3535% | 52 |
| Loan loss allowance to noncurrent loans | 90.4139% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 7.2713% | 733 |
| Noncurrent loans to loans | 8.1331% | 626 |
| Net loans and leases to total assets | 74.9138% | 1,599 |
| Net loans and leases to deposits | 87.4440% | 2,089 |
| Net loans and leases to core deposits | 102.8615% | 1,574 |
| Total domestic deposits to total assets | 85.6706% | 3,258 |
| Equity capital to assets | 8.3859% | 6,411 |
| Core capital (leverage) ratio | 8.2560% | 5,955 |
| Tier 1 risk-based capital ratio | 10.2779% | 6,914 |
| Total risk-based capital ratio | 11.6057% | 6,858 |
| Memoranda: | ||
| Average total assets | $3,008,941,750 | 241 |
| Average earning assets | $2,783,240,250 | 234 |
| Average equity | $201,188,000 | 347 |
| Average total loans | $2,599,916,750 | 199 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 3,241 |
| Cost of funding earning assets | 1.3785% | 4,012 |
| Net interest margin | 3.9660% | 3,180 |
| Noninterest income to average assets | 0.2963% | 5,776 |
| Noninterest expense to average assets | 2.5984% | 5,328 |
| Loan and lease loss provision to assets | 6.4141% | 67 |
| Net operating income to assets | -5.0280% | 7,699 |
| Return on assets (ROA) | -5.0206% | 7,701 |
| Pretax return on assets | -5.0501% | 7,683 |
| Return on Equity (ROE) | -81.8792% | 7,705 |
| Retained earnings to average equity (ytd only) | -81.8792% | 7,703 |
| Net charge-offs to loans | 4.8971% | 213 |
| Credit loss provision to net charge-offs | 148.4718% | 2,658 |
| Earnings coverage of net charge-offs (x) | 0.3140% | 5,414 |
| Efficiency ratio | 64.8867% | 5,172 |
| Assets per employee ($millions) | 6.1725% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0570% | 56 |
| Loan loss allowance to noncurrent loans | 72.9628% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 9.1513% | 482 |
| Noncurrent loans to loans | 9.6721% | 468 |
| Net loans and leases to total assets | 80.0337% | 796 |
| Net loans and leases to deposits | 90.2333% | 1,815 |
| Net loans and leases to core deposits | 104.5871% | 1,578 |
| Total domestic deposits to total assets | 88.6964% | 1,605 |
| Equity capital to assets | 5.2227% | 7,620 |
| Core capital (leverage) ratio | 4.9948% | 7,605 |
| Tier 1 risk-based capital ratio | 6.0166% | 7,661 |
| Total risk-based capital ratio | 7.3470% | 7,662 |
| Memoranda: | ||
| Average total assets | $3,024,909,330 | 240 |
| Average earning assets | $2,790,412,000 | 235 |
| Average equity | $185,480,670 | 372 |
| Average total loans | $2,668,458,670 | 196 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 3,026 |
| Cost of funding earning assets | 1.4198% | 4,050 |
| Net interest margin | 3.9822% | 2,944 |
| Noninterest income to average assets | -0.0208% | 7,702 |
| Noninterest expense to average assets | 2.2639% | 6,503 |
| Loan and lease loss provision to assets | 7.6812% | 62 |
| Net operating income to assets | -6.2577% | 7,827 |
| Return on assets (ROA) | -6.2442% | 7,827 |
| Pretax return on assets | -6.2954% | 7,813 |
| Return on Equity (ROE) | -95.1820% | 7,821 |
| Retained earnings to average equity (ytd only) | -95.1820% | 7,817 |
| Net charge-offs to loans | 3.8376% | 356 |
| Credit loss provision to net charge-offs | 224.3663% | 1,685 |
| Earnings coverage of net charge-offs (x) | 0.4008% | 4,674 |
| Efficiency ratio | 61.3464% | 5,939 |
| Assets per employee ($millions) | 6.4075% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6279% | 73 |
| Loan loss allowance to noncurrent loans | 67.8099% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 9.4466% | 443 |
| Noncurrent loans to loans | 9.7743% | 438 |
| Net loans and leases to total assets | 83.1831% | 457 |
| Net loans and leases to deposits | 94.3741% | 1,307 |
| Net loans and leases to core deposits | 110.8499% | 1,226 |
| Total domestic deposits to total assets | 88.1419% | 1,980 |
| Equity capital to assets | 5.9277% | 7,628 |
| Core capital (leverage) ratio | 5.6811% | 7,626 |
| Tier 1 risk-based capital ratio | 6.4871% | 7,728 |
| Total risk-based capital ratio | 7.8093% | 7,729 |
| Memoranda: | ||
| Average total assets | $3,083,752,000 | 248 |
| Average earning assets | $2,831,727,500 | 241 |
| Average equity | $202,303,000 | 346 |
| Average total loans | $2,750,975,000 | 196 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4498% | 4,440 |
| Cost of funding earning assets | 2.3476% | 1,466 |
| Net interest margin | 3.1022% | 6,363 |
| Noninterest income to average assets | 0.6016% | 3,622 |
| Noninterest expense to average assets | 2.1839% | 7,027 |
| Loan and lease loss provision to assets | 5.3965% | 155 |
| Net operating income to assets | -3.2849% | 7,461 |
| Return on assets (ROA) | -3.2446% | 7,453 |
| Pretax return on assets | -4.0397% | 7,536 |
| Return on Equity (ROE) | -40.3485% | 7,574 |
| Retained earnings to average equity (ytd only) | -40.3485% | 7,558 |
| Net charge-offs to loans | 3.9206% | 431 |
| Credit loss provision to net charge-offs | 160.3685% | 2,777 |
| Earnings coverage of net charge-offs (x) | 0.3882% | 5,727 |
| Efficiency ratio | 61.5590% | 6,230 |
| Assets per employee ($millions) | 6.7436% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1434% | 160 |
| Loan loss allowance to noncurrent loans | 66.1883% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 7.7701% | 598 |
| Noncurrent loans to loans | 7.7709% | 662 |
| Net loans and leases to total assets | 84.7297% | 372 |
| Net loans and leases to deposits | 97.0946% | 1,201 |
| Net loans and leases to core deposits | 138.0035% | 880 |
| Total domestic deposits to total assets | 87.2652% | 2,347 |
| Equity capital to assets | 7.1639% | 7,286 |
| Core capital (leverage) ratio | 6.6891% | 7,416 |
| Tier 1 risk-based capital ratio | 7.7720% | 7,676 |
| Total risk-based capital ratio | 9.0747% | 7,680 |
| Memoranda: | ||
| Average total assets | $3,643,205,200 | 219 |
| Average earning assets | $3,392,595,400 | 213 |
| Average equity | $292,964,800 | 258 |
| Average total loans | $3,127,001,200 | 184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 5,047 |
| Cost of funding earning assets | 2.4972% | 1,313 |
| Net interest margin | 2.8820% | 6,896 |
| Noninterest income to average assets | 0.5754% | 3,885 |
| Noninterest expense to average assets | 2.1067% | 7,178 |
| Loan and lease loss provision to assets | 4.2165% | 258 |
| Net operating income to assets | -2.9922% | 7,581 |
| Return on assets (ROA) | -2.9517% | 7,580 |
| Pretax return on assets | -3.0163% | 7,505 |
| Return on Equity (ROE) | -35.8857% | 7,712 |
| Retained earnings to average equity (ytd only) | -35.8857% | 7,703 |
| Net charge-offs to loans | 2.7168% | 663 |
| Credit loss provision to net charge-offs | 182.3803% | 2,505 |
| Earnings coverage of net charge-offs (x) | 0.5012% | 5,526 |
| Efficiency ratio | 63.4275% | 5,853 |
| Assets per employee ($millions) | 7.2805% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1904% | 259 |
| Loan loss allowance to noncurrent loans | 71.5310% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 5.8366% | 942 |
| Noncurrent loans to loans | 5.8581% | 1,028 |
| Net loans and leases to total assets | 82.6653% | 718 |
| Net loans and leases to deposits | 95.2013% | 1,683 |
| Net loans and leases to core deposits | 132.7304% | 1,291 |
| Total domestic deposits to total assets | 86.8321% | 2,267 |
| Equity capital to assets | 7.6096% | 7,215 |
| Core capital (leverage) ratio | 7.0542% | 7,400 |
| Tier 1 risk-based capital ratio | 8.3963% | 7,746 |
| Total risk-based capital ratio | 9.6864% | 7,763 |
| Memoranda: | ||
| Average total assets | $3,765,008,500 | 226 |
| Average earning assets | $3,514,392,500 | 219 |
| Average equity | $309,682,750 | 251 |
| Average total loans | $3,203,986,500 | 190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 5,586 |
| Cost of funding earning assets | 2.6333% | 1,203 |
| Net interest margin | 2.6825% | 7,241 |
| Noninterest income to average assets | 0.5616% | 3,946 |
| Noninterest expense to average assets | 1.9607% | 7,535 |
| Loan and lease loss provision to assets | 3.6019% | 384 |
| Net operating income to assets | -1.2582% | 7,140 |
| Return on assets (ROA) | -1.2529% | 7,147 |
| Pretax return on assets | -2.4869% | 7,416 |
| Return on Equity (ROE) | -14.9003% | 7,322 |
| Retained earnings to average equity (ytd only) | -14.9003% | 7,228 |
| Net charge-offs to loans | 2.1594% | 857 |
| Credit loss provision to net charge-offs | 196.8200% | 2,319 |
| Earnings coverage of net charge-offs (x) | 0.6047% | 5,106 |
| Efficiency ratio | 62.7525% | 6,132 |
| Assets per employee ($millions) | 8.0025% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3335% | 437 |
| Loan loss allowance to noncurrent loans | 62.9242% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 5.2045% | 991 |
| Noncurrent loans to loans | 5.2976% | 1,123 |
| Net loans and leases to total assets | 78.9785% | 1,529 |
| Net loans and leases to deposits | 92.7230% | 2,329 |
| Net loans and leases to core deposits | 152.0470% | 599 |
| Total domestic deposits to total assets | 85.1768% | 3,175 |
| Equity capital to assets | 8.1506% | 6,559 |
| Core capital (leverage) ratio | 8.0057% | 6,320 |
| Tier 1 risk-based capital ratio | 9.4153% | 7,464 |
| Total risk-based capital ratio | 10.6986% | 7,392 |
| Memoranda: | ||
| Average total assets | $3,869,695,000 | 226 |
| Average earning assets | $3,614,733,000 | 220 |
| Average equity | $325,375,670 | 247 |
| Average total loans | $3,279,480,670 | 191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 5,836 |
| Cost of funding earning assets | 2.6352% | 1,465 |
| Net interest margin | 2.6787% | 7,250 |
| Noninterest income to average assets | 0.6025% | 3,530 |
| Noninterest expense to average assets | 1.7068% | 7,818 |
| Loan and lease loss provision to assets | 4.7284% | 181 |
| Net operating income to assets | -1.7408% | 7,586 |
| Return on assets (ROA) | -1.6702% | 7,564 |
| Pretax return on assets | -3.2129% | 7,795 |
| Return on Equity (ROE) | -19.5641% | 7,743 |
| Retained earnings to average equity (ytd only) | -19.5641% | 7,633 |
| Net charge-offs to loans | 1.4146% | 1,006 |
| Credit loss provision to net charge-offs | 387.4545% | 1,331 |
| Earnings coverage of net charge-offs (x) | 1.1514% | 4,178 |
| Efficiency ratio | 53.6567% | 7,255 |
| Assets per employee ($millions) | 7.8290% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1625% | 421 |
| Loan loss allowance to noncurrent loans | 67.1291% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 4.0651% | 1,260 |
| Noncurrent loans to loans | 4.7110% | 1,186 |
| Net loans and leases to total assets | 82.9200% | 860 |
| Net loans and leases to deposits | 100.3893% | 1,359 |
| Net loans and leases to core deposits | 162.4561% | 458 |
| Total domestic deposits to total assets | 82.5985% | 4,334 |
| Equity capital to assets | 8.3376% | 6,335 |
| Core capital (leverage) ratio | 8.0981% | 6,290 |
| Tier 1 risk-based capital ratio | 9.2209% | 7,655 |
| Total risk-based capital ratio | 10.4999% | 7,608 |
| Memoranda: | ||
| Average total assets | $3,871,940,000 | 226 |
| Average earning assets | $3,627,298,500 | 213 |
| Average equity | $330,545,000 | 243 |
| Average total loans | $3,340,247,000 | 189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6782% | 2,114 |
| Cost of funding earning assets | 2.7617% | 2,870 |
| Net interest margin | 3.9165% | 3,491 |
| Noninterest income to average assets | 0.7575% | 2,739 |
| Noninterest expense to average assets | 4.7597% | 731 |
| Loan and lease loss provision to assets | 1.8934% | 660 |
| Net operating income to assets | -2.3349% | 7,664 |
| Return on assets (ROA) | -2.4414% | 7,664 |
| Pretax return on assets | -2.3877% | 7,558 |
| Return on Equity (ROE) | -24.7843% | 7,858 |
| Retained earnings to average equity (ytd only) | -27.0119% | 7,854 |
| Net charge-offs to loans | 1.3806% | 854 |
| Credit loss provision to net charge-offs | 159.5532% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3268% | 6,430 |
| Efficiency ratio | 46.0255% | 7,930 |
| Assets per employee ($millions) | 7.3827% | 599 |
| Cash dividends to net income (ytd only)* | -8.9881% | 7,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 1,055 |
| Loan loss allowance to noncurrent loans | 58.2339% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 3.1723% | 1,440 |
| Noncurrent loans to loans | 3.6256% | 1,393 |
| Net loans and leases to total assets | 85.0743% | 728 |
| Net loans and leases to deposits | 107.0815% | 1,035 |
| Net loans and leases to core deposits | 148.6581% | 904 |
| Total domestic deposits to total assets | 79.4482% | 5,223 |
| Equity capital to assets | 8.7366% | 5,753 |
| Core capital (leverage) ratio | 8.8545% | 4,967 |
| Tier 1 risk-based capital ratio | 9.4407% | 7,376 |
| Total risk-based capital ratio | 10.7049% | 7,273 |
| Memoranda: | ||
| Average total assets | $3,873,674,000 | 215 |
| Average earning assets | $3,574,840,600 | 210 |
| Average equity | $381,572,600 | 228 |
| Average total loans | $3,329,755,400 | 186 |