Home > MB Financial Bank > Performance and Condition Ratios
MB Financial Bank, Performance and Condition Ratios
| 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 | 0.5034% | 5,360 |
| Cost of funding earning assets | 0.0790% | 5,307 |
| Net interest margin | 0.4244% | 5,357 |
| Noninterest income to average assets | 0.1027% | 5,068 |
| Noninterest expense to average assets | 1.1148% | 5,305 |
| Loan and lease loss provision to assets | 0.0013% | 3,399 |
| Net operating income to assets | -0.5338% | 5,256 |
| Return on assets (ROA) | -0.5331% | 5,252 |
| Pretax return on assets | -0.6765% | 5,256 |
| Return on Equity (ROE) | -3.2826% | 5,242 |
| Retained earnings to average equity (ytd only) | -3.2826% | 4,831 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 247.9492% | 11 |
| Assets per employee ($millions) | 7.5808% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0005% | 5,314 |
| Loan loss allowance to noncurrent loans | 0.0456% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 1,868 |
| Noncurrent loans to loans | 1.0264% | 1,627 |
| Net loans and leases to total assets | 69.7794% | 2,516 |
| Net loans and leases to deposits | 92.3649% | 1,361 |
| Net loans and leases to core deposits | 106.7870% | 1,118 |
| Total domestic deposits to total assets | 75.5475% | 4,813 |
| Equity capital to assets | 17.6838% | 375 |
| Core capital (leverage) ratio | 8.0399% | 5,196 |
| Tier 1 risk-based capital ratio | 8.7349% | 5,343 |
| Total risk-based capital ratio | 9.8116% | 5,342 |
| Memoranda: | ||
| Average total assets | $19,872,627,000 | 86 |
| Average earning assets | $15,736,885,500 | 95 |
| Average equity | $3,227,606,000 | 71 |
| Average total loans | $13,880,164,500 | 81 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,588 |
| Cost of funding earning assets | 0.6201% | 2,587 |
| Net interest margin | 3.8368% | 2,546 |
| Noninterest income to average assets | 2.1329% | 247 |
| Noninterest expense to average assets | 3.7069% | 765 |
| Loan and lease loss provision to assets | 0.2425% | 718 |
| Net operating income to assets | 1.1829% | 2,252 |
| Return on assets (ROA) | 1.1815% | 2,255 |
| Pretax return on assets | 1.4133% | 2,091 |
| Return on Equity (ROE) | 8.0000% | 3,441 |
| Retained earnings to average equity (ytd only) | 1.2188% | 4,645 |
| Net charge-offs to loans | 0.3123% | 623 |
| Credit loss provision to net charge-offs | 108.6818% | 2,359 |
| Earnings coverage of net charge-offs (x) | 7.4289% | 2,996 |
| Efficiency ratio | 68.0325% | 2,537 |
| Assets per employee ($millions) | 7.5691% | 775 |
| Cash dividends to net income (ytd only)* | 84.7655% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,839 |
| Loan loss allowance to noncurrent loans | 79.9626% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 1,291 |
| Noncurrent loans to loans | 1.4351% | 1,083 |
| Net loans and leases to total assets | 69.1076% | 2,714 |
| Net loans and leases to deposits | 94.2956% | 1,244 |
| Net loans and leases to core deposits | 109.2321% | 1,045 |
| Total domestic deposits to total assets | 73.2883% | 4,989 |
| Equity capital to assets | 14.8376% | 748 |
| Core capital (leverage) ratio | 10.3521% | 3,197 |
| Tier 1 risk-based capital ratio | 11.1044% | 4,923 |
| Total risk-based capital ratio | 13.0464% | 4,446 |
| Memoranda: | ||
| Average total assets | $19,970,187,400 | 87 |
| Average earning assets | $16,818,995,800 | 88 |
| Average equity | $2,949,318,400 | 74 |
| Average total loans | $14,264,460,000 | 79 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,610 |
| Cost of funding earning assets | 0.5949% | 2,508 |
| Net interest margin | 3.8110% | 2,608 |
| Noninterest income to average assets | 2.1445% | 250 |
| Noninterest expense to average assets | 3.8175% | 652 |
| Loan and lease loss provision to assets | 0.2336% | 692 |
| Net operating income to assets | 1.0465% | 2,881 |
| Return on assets (ROA) | 1.0443% | 2,909 |
| Pretax return on assets | 1.3066% | 2,601 |
| Return on Equity (ROE) | 7.0796% | 3,904 |
| Retained earnings to average equity (ytd only) | -0.2911% | 5,073 |
| Net charge-offs to loans | 0.3468% | 476 |
| Credit loss provision to net charge-offs | 93.8230% | 2,375 |
| Earnings coverage of net charge-offs (x) | 6.1954% | 2,901 |
| Efficiency ratio | 70.0605% | 2,178 |
| Assets per employee ($millions) | 7.0568% | 915 |
| Cash dividends to net income (ytd only)* | 104.1113% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,129 |
| Loan loss allowance to noncurrent loans | 77.0002% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 1,312 |
| Noncurrent loans to loans | 1.4430% | 1,142 |
| Net loans and leases to total assets | 70.3519% | 2,589 |
| Net loans and leases to deposits | 93.3237% | 1,467 |
| Net loans and leases to core deposits | 108.2433% | 1,153 |
| Total domestic deposits to total assets | 75.3848% | 4,849 |
| Equity capital to assets | 14.9187% | 743 |
| Core capital (leverage) ratio | 9.9185% | 3,719 |
| Tier 1 risk-based capital ratio | 10.8908% | 5,084 |
| Total risk-based capital ratio | 12.8267% | 4,634 |
| Memoranda: | ||
| Average total assets | $19,927,411,750 | 87 |
| Average earning assets | $16,815,029,250 | 88 |
| Average equity | $2,939,526,500 | 74 |
| Average total loans | $14,310,391,750 | 79 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 2,736 |
| Cost of funding earning assets | 0.5579% | 2,537 |
| Net interest margin | 3.7492% | 2,753 |
| Noninterest income to average assets | 2.2033% | 245 |
| Noninterest expense to average assets | 3.8993% | 601 |
| Loan and lease loss provision to assets | 0.1363% | 1,438 |
| Net operating income to assets | 1.0582% | 2,764 |
| Return on assets (ROA) | 1.0558% | 2,771 |
| Pretax return on assets | 1.3301% | 2,393 |
| Return on Equity (ROE) | 7.1843% | 3,840 |
| Retained earnings to average equity (ytd only) | -1.3143% | 5,102 |
| Net charge-offs to loans | 0.1187% | 1,219 |
| Credit loss provision to net charge-offs | 159.3666% | 1,518 |
| Earnings coverage of net charge-offs (x) | 17.1844% | 1,965 |
| Efficiency ratio | 71.2507% | 2,122 |
| Assets per employee ($millions) | 5.8846% | 1,559 |
| Cash dividends to net income (ytd only)* | 118.2939% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 3,021 |
| Loan loss allowance to noncurrent loans | 81.6547% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 1,387 |
| Noncurrent loans to loans | 1.3997% | 1,209 |
| Net loans and leases to total assets | 70.7313% | 2,470 |
| Net loans and leases to deposits | 93.3227% | 1,435 |
| Net loans and leases to core deposits | 108.4768% | 1,088 |
| Total domestic deposits to total assets | 75.7921% | 4,873 |
| Equity capital to assets | 14.7031% | 760 |
| Core capital (leverage) ratio | 9.7347% | 3,850 |
| Tier 1 risk-based capital ratio | 10.8063% | 5,153 |
| Total risk-based capital ratio | 12.7878% | 4,663 |
| Memoranda: | ||
| Average total assets | $20,016,455,330 | 86 |
| Average earning assets | $16,898,782,330 | 88 |
| Average equity | $2,941,679,330 | 74 |
| Average total loans | $14,418,260,330 | 78 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,971 |
| Cost of funding earning assets | 0.5045% | 2,759 |
| Net interest margin | 3.6691% | 2,922 |
| Noninterest income to average assets | 2.2578% | 228 |
| Noninterest expense to average assets | 3.6550% | 815 |
| Loan and lease loss provision to assets | 0.1500% | 1,213 |
| Net operating income to assets | 1.2354% | 1,869 |
| Return on assets (ROA) | 1.2323% | 1,892 |
| Pretax return on assets | 1.5489% | 1,532 |
| Return on Equity (ROE) | 8.3869% | 3,197 |
| Retained earnings to average equity (ytd only) | -1.7860% | 4,989 |
| Net charge-offs to loans | 0.0972% | 1,206 |
| Credit loss provision to net charge-offs | 213.4997% | 1,008 |
| Earnings coverage of net charge-offs (x) | 24.2300% | 1,364 |
| Efficiency ratio | 67.5128% | 2,915 |
| Assets per employee ($millions) | 5.6382% | 1,814 |
| Cash dividends to net income (ytd only)* | 121.2945% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,288 |
| Loan loss allowance to noncurrent loans | 89.1172% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 1,611 |
| Noncurrent loans to loans | 1.2517% | 1,445 |
| Net loans and leases to total assets | 71.2766% | 2,284 |
| Net loans and leases to deposits | 94.8448% | 1,153 |
| Net loans and leases to core deposits | 110.9783% | 951 |
| Total domestic deposits to total assets | 75.1507% | 5,051 |
| Equity capital to assets | 14.6101% | 752 |
| Core capital (leverage) ratio | 9.9130% | 3,625 |
| Tier 1 risk-based capital ratio | 10.8400% | 5,225 |
| Total risk-based capital ratio | 12.8077% | 4,727 |
| Memoranda: | ||
| Average total assets | $20,070,938,500 | 87 |
| Average earning assets | $16,957,308,500 | 88 |
| Average equity | $2,949,014,000 | 76 |
| Average total loans | $14,505,584,500 | 79 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,262 |
| Cost of funding earning assets | 0.3709% | 3,507 |
| Net interest margin | 3.6728% | 2,904 |
| Noninterest income to average assets | 2.1913% | 257 |
| Noninterest expense to average assets | 3.6431% | 854 |
| Loan and lease loss provision to assets | 0.1138% | 1,996 |
| Net operating income to assets | 1.5782% | 681 |
| Return on assets (ROA) | 1.5808% | 690 |
| Pretax return on assets | 1.5453% | 1,468 |
| Return on Equity (ROE) | 11.0708% | 1,448 |
| Retained earnings to average equity (ytd only) | 8.2607% | 674 |
| Net charge-offs to loans | 0.0286% | 3,237 |
| Credit loss provision to net charge-offs | 555.5252% | 583 |
| Earnings coverage of net charge-offs (x) | 80.8364% | 768 |
| Efficiency ratio | 67.9547% | 2,905 |
| Assets per employee ($millions) | 5.6045% | 1,842 |
| Cash dividends to net income (ytd only)* | 25.3827% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,422 |
| Loan loss allowance to noncurrent loans | 69.3459% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2079% | 1,223 |
| Noncurrent loans to loans | 1.5669% | 1,079 |
| Net loans and leases to total assets | 71.6759% | 2,281 |
| Net loans and leases to deposits | 94.5933% | 1,206 |
| Net loans and leases to core deposits | 109.7069% | 1,026 |
| Total domestic deposits to total assets | 75.7727% | 5,001 |
| Equity capital to assets | 14.7761% | 723 |
| Core capital (leverage) ratio | 9.9009% | 3,580 |
| Tier 1 risk-based capital ratio | 11.0622% | 5,106 |
| Total risk-based capital ratio | 13.0266% | 4,558 |
| Memoranda: | ||
| Average total assets | $19,650,236,200 | 84 |
| Average earning assets | $16,630,526,800 | 86 |
| Average equity | $2,805,846,200 | 75 |
| Average total loans | $14,078,651,400 | 78 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 3,337 |
| Cost of funding earning assets | 0.3404% | 3,769 |
| Net interest margin | 3.6649% | 2,894 |
| Noninterest income to average assets | 2.2043% | 273 |
| Noninterest expense to average assets | 3.5770% | 896 |
| Loan and lease loss provision to assets | 0.1237% | 1,747 |
| Net operating income to assets | 1.1206% | 1,992 |
| Return on assets (ROA) | 1.1225% | 2,051 |
| Pretax return on assets | 1.6103% | 1,382 |
| Return on Equity (ROE) | 7.9316% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.6147% | 3,131 |
| Net charge-offs to loans | -0.0154% | 4,760 |
| Credit loss provision to net charge-offs | -1,125.9305% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5872% | 3,109 |
| Assets per employee ($millions) | 5.8059% | 1,648 |
| Cash dividends to net income (ytd only)* | 41.8191% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,551 |
| Loan loss allowance to noncurrent loans | 89.2133% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 1,736 |
| Noncurrent loans to loans | 1.2210% | 1,556 |
| Net loans and leases to total assets | 72.0725% | 2,243 |
| Net loans and leases to deposits | 100.0010% | 745 |
| Net loans and leases to core deposits | 114.2502% | 825 |
| Total domestic deposits to total assets | 72.0718% | 5,371 |
| Equity capital to assets | 14.0580% | 975 |
| Core capital (leverage) ratio | 9.3870% | 4,309 |
| Tier 1 risk-based capital ratio | 10.3441% | 5,497 |
| Total risk-based capital ratio | 11.2892% | 5,549 |
| Memoranda: | ||
| Average total assets | $19,555,209,750 | 83 |
| Average earning assets | $16,561,733,000 | 86 |
| Average equity | $2,767,380,500 | 72 |
| Average total loans | $13,969,654,250 | 77 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,514 |
| Cost of funding earning assets | 0.3023% | 4,060 |
| Net interest margin | 3.6099% | 3,001 |
| Noninterest income to average assets | 2.1786% | 286 |
| Noninterest expense to average assets | 3.5778% | 894 |
| Loan and lease loss provision to assets | 0.1407% | 1,458 |
| Net operating income to assets | 1.0572% | 2,174 |
| Return on assets (ROA) | 1.0596% | 2,206 |
| Pretax return on assets | 1.5181% | 1,573 |
| Return on Equity (ROE) | 7.4705% | 3,301 |
| Retained earnings to average equity (ytd only) | 3.9185% | 3,363 |
| Net charge-offs to loans | -0.0149% | 4,663 |
| Credit loss provision to net charge-offs | -1,335.1272% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5454% | 3,087 |
| Assets per employee ($millions) | 5.7162% | 1,684 |
| Cash dividends to net income (ytd only)* | 47.5471% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,717 |
| Loan loss allowance to noncurrent loans | 89.2464% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 1,855 |
| Noncurrent loans to loans | 1.2042% | 1,618 |
| Net loans and leases to total assets | 71.3200% | 2,314 |
| Net loans and leases to deposits | 99.2847% | 791 |
| Net loans and leases to core deposits | 111.4398% | 931 |
| Total domestic deposits to total assets | 71.8338% | 5,464 |
| Equity capital to assets | 13.9661% | 978 |
| Core capital (leverage) ratio | 9.4295% | 4,202 |
| Tier 1 risk-based capital ratio | 10.2865% | 5,545 |
| Total risk-based capital ratio | 11.2208% | 5,595 |
| Memoranda: | ||
| Average total assets | $19,390,988,330 | 81 |
| Average earning assets | $16,407,836,000 | 87 |
| Average equity | $2,750,394,000 | 68 |
| Average total loans | $13,756,828,330 | 77 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,557 |
| Cost of funding earning assets | 0.2684% | 4,373 |
| Net interest margin | 3.5897% | 2,924 |
| Noninterest income to average assets | 2.2053% | 275 |
| Noninterest expense to average assets | 3.5077% | 1,033 |
| Loan and lease loss provision to assets | 0.0811% | 2,193 |
| Net operating income to assets | 1.1801% | 1,555 |
| Return on assets (ROA) | 1.1833% | 1,584 |
| Pretax return on assets | 1.6526% | 1,117 |
| Return on Equity (ROE) | 8.2768% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.5228% | 2,586 |
| Net charge-offs to loans | -0.0274% | 4,889 |
| Credit loss provision to net charge-offs | -421.0412% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1471% | 3,469 |
| Assets per employee ($millions) | 5.4563% | 1,935 |
| Cash dividends to net income (ytd only)* | 33.2733% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,876 |
| Loan loss allowance to noncurrent loans | 90.2399% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 1,968 |
| Noncurrent loans to loans | 1.1877% | 1,702 |
| Net loans and leases to total assets | 69.8036% | 2,421 |
| Net loans and leases to deposits | 94.9771% | 1,020 |
| Net loans and leases to core deposits | 106.6067% | 1,057 |
| Total domestic deposits to total assets | 73.4952% | 5,453 |
| Equity capital to assets | 14.4659% | 767 |
| Core capital (leverage) ratio | 9.5221% | 4,102 |
| Tier 1 risk-based capital ratio | 10.5965% | 5,502 |
| Total risk-based capital ratio | 11.5089% | 5,576 |
| Memoranda: | ||
| Average total assets | $19,146,049,500 | 81 |
| Average earning assets | $16,169,352,500 | 88 |
| Average equity | $2,737,295,500 | 68 |
| Average total loans | $13,468,714,000 | 78 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,825 |
| Cost of funding earning assets | 0.2282% | 4,756 |
| Net interest margin | 3.5951% | 3,080 |
| Noninterest income to average assets | 2.5161% | 251 |
| Noninterest expense to average assets | 3.9041% | 685 |
| Loan and lease loss provision to assets | 0.1196% | 2,071 |
| Net operating income to assets | 1.0632% | 2,073 |
| Return on assets (ROA) | 1.0639% | 2,171 |
| Pretax return on assets | 1.5584% | 1,409 |
| Return on Equity (ROE) | 7.6170% | 3,163 |
| Retained earnings to average equity (ytd only) | 2.9273% | 3,822 |
| Net charge-offs to loans | 0.0781% | 2,570 |
| Credit loss provision to net charge-offs | 221.6383% | 1,294 |
| Earnings coverage of net charge-offs (x) | 31.0601% | 1,398 |
| Efficiency ratio | 69.1932% | 3,043 |
| Assets per employee ($millions) | 5.5157% | 1,853 |
| Cash dividends to net income (ytd only)* | 61.5689% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 4,120 |
| Loan loss allowance to noncurrent loans | 76.1800% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 1,670 |
| Noncurrent loans to loans | 1.3566% | 1,513 |
| Net loans and leases to total assets | 69.4116% | 2,563 |
| Net loans and leases to deposits | 94.4037% | 1,158 |
| Net loans and leases to core deposits | 105.9864% | 1,131 |
| Total domestic deposits to total assets | 73.5263% | 5,471 |
| Equity capital to assets | 14.1294% | 849 |
| Core capital (leverage) ratio | 9.2547% | 4,400 |
| Tier 1 risk-based capital ratio | 10.3822% | 5,619 |
| Total risk-based capital ratio | 11.2638% | 5,692 |
| Memoranda: | ||
| Average total assets | $17,098,471,400 | 82 |
| Average earning assets | $14,575,083,600 | 90 |
| Average equity | $2,388,209,000 | 72 |
| Average total loans | $11,819,865,800 | 80 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,023 |
| Cost of funding earning assets | 0.2228% | 4,858 |
| Net interest margin | 3.5466% | 3,290 |
| Noninterest income to average assets | 2.5918% | 248 |
| Noninterest expense to average assets | 3.9268% | 647 |
| Loan and lease loss provision to assets | 0.1403% | 1,671 |
| Net operating income to assets | 1.0707% | 2,115 |
| Return on assets (ROA) | 1.0709% | 2,227 |
| Pretax return on assets | 1.5581% | 1,508 |
| Return on Equity (ROE) | 7.6928% | 3,196 |
| Retained earnings to average equity (ytd only) | 1.7955% | 4,789 |
| Net charge-offs to loans | 0.0707% | 2,301 |
| Credit loss provision to net charge-offs | 288.2314% | 1,069 |
| Earnings coverage of net charge-offs (x) | 34.8641% | 1,349 |
| Efficiency ratio | 69.1131% | 3,026 |
| Assets per employee ($millions) | 5.6021% | 1,756 |
| Cash dividends to net income (ytd only)* | 76.6600% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,193 |
| Loan loss allowance to noncurrent loans | 87.7490% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 2,013 |
| Noncurrent loans to loans | 1.1831% | 1,899 |
| Net loans and leases to total assets | 69.0576% | 2,630 |
| Net loans and leases to deposits | 93.0342% | 1,365 |
| Net loans and leases to core deposits | 103.5702% | 1,376 |
| Total domestic deposits to total assets | 74.2282% | 5,410 |
| Equity capital to assets | 13.9954% | 1,029 |
| Core capital (leverage) ratio | 10.2802% | 3,245 |
| Tier 1 risk-based capital ratio | 10.3044% | 5,700 |
| Total risk-based capital ratio | 11.2005% | 5,765 |
| Memoranda: | ||
| Average total assets | $16,566,139,250 | 84 |
| Average earning assets | $14,165,154,750 | 90 |
| Average equity | $2,306,068,250 | 74 |
| Average total loans | $11,403,410,750 | 82 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 3,711 |
| Cost of funding earning assets | 0.2243% | 4,893 |
| Net interest margin | 3.6440% | 2,924 |
| Noninterest income to average assets | 2.5443% | 249 |
| Noninterest expense to average assets | 3.9032% | 675 |
| Loan and lease loss provision to assets | 0.1409% | 1,615 |
| Net operating income to assets | 1.0961% | 1,971 |
| Return on assets (ROA) | 1.0968% | 2,091 |
| Pretax return on assets | 1.6228% | 1,302 |
| Return on Equity (ROE) | 7.8964% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.1176% | 3,922 |
| Net charge-offs to loans | 0.0665% | 2,240 |
| Credit loss provision to net charge-offs | 309.5318% | 941 |
| Earnings coverage of net charge-offs (x) | 38.6972% | 1,179 |
| Efficiency ratio | 68.1675% | 3,306 |
| Assets per employee ($millions) | 5.1330% | 2,159 |
| Cash dividends to net income (ytd only)* | 60.5193% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 3,199 |
| Loan loss allowance to noncurrent loans | 86.7341% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 1,719 |
| Noncurrent loans to loans | 1.4161% | 1,567 |
| Net loans and leases to total assets | 68.4039% | 2,725 |
| Net loans and leases to deposits | 94.6412% | 1,224 |
| Net loans and leases to core deposits | 106.2044% | 1,167 |
| Total domestic deposits to total assets | 72.2771% | 5,656 |
| Equity capital to assets | 13.7606% | 1,115 |
| Core capital (leverage) ratio | 9.4501% | 4,271 |
| Tier 1 risk-based capital ratio | 10.6903% | 5,584 |
| Total risk-based capital ratio | 11.7409% | 5,590 |
| Memoranda: | ||
| Average total assets | $15,668,139,670 | 90 |
| Average earning assets | $13,418,384,670 | 92 |
| Average equity | $2,176,249,000 | 77 |
| Average total loans | $10,724,511,670 | 85 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,767 |
| Cost of funding earning assets | 0.2213% | 4,984 |
| Net interest margin | 3.6284% | 2,976 |
| Noninterest income to average assets | 2.4398% | 261 |
| Noninterest expense to average assets | 3.7885% | 790 |
| Loan and lease loss provision to assets | 0.1981% | 992 |
| Net operating income to assets | 1.0541% | 2,070 |
| Return on assets (ROA) | 1.0516% | 2,190 |
| Pretax return on assets | 1.5576% | 1,413 |
| Return on Equity (ROE) | 7.5350% | 3,171 |
| Retained earnings to average equity (ytd only) | 5.6895% | 2,535 |
| Net charge-offs to loans | 0.0507% | 2,026 |
| Credit loss provision to net charge-offs | 574.4586% | 546 |
| Earnings coverage of net charge-offs (x) | 50.9836% | 880 |
| Efficiency ratio | 67.5463% | 3,536 |
| Assets per employee ($millions) | 5.0801% | 2,256 |
| Cash dividends to net income (ytd only)* | 24.4924% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 3,056 |
| Loan loss allowance to noncurrent loans | 77.6518% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.3649% | 1,550 |
| Noncurrent loans to loans | 1.6350% | 1,399 |
| Net loans and leases to total assets | 67.3696% | 2,755 |
| Net loans and leases to deposits | 89.8921% | 1,587 |
| Net loans and leases to core deposits | 100.2313% | 1,464 |
| Total domestic deposits to total assets | 74.9450% | 5,525 |
| Equity capital to assets | 14.0902% | 947 |
| Core capital (leverage) ratio | 9.5791% | 4,062 |
| Tier 1 risk-based capital ratio | 10.7166% | 5,655 |
| Total risk-based capital ratio | 11.7684% | 5,654 |
| Memoranda: | ||
| Average total assets | $15,530,699,500 | 91 |
| Average earning assets | $13,298,795,500 | 95 |
| Average equity | $2,167,444,500 | 78 |
| Average total loans | $10,566,134,500 | 86 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,707 |
| Cost of funding earning assets | 0.1914% | 5,353 |
| Net interest margin | 3.7080% | 2,723 |
| Noninterest income to average assets | 2.4475% | 271 |
| Noninterest expense to average assets | 3.8280% | 835 |
| Loan and lease loss provision to assets | 0.1484% | 1,588 |
| Net operating income to assets | 1.1135% | 1,862 |
| Return on assets (ROA) | 1.1109% | 1,943 |
| Pretax return on assets | 1.6306% | 1,166 |
| Return on Equity (ROE) | 7.6477% | 3,163 |
| Retained earnings to average equity (ytd only) | 0.3288% | 5,383 |
| Net charge-offs to loans | 0.0394% | 3,440 |
| Credit loss provision to net charge-offs | 560.3304% | 596 |
| Earnings coverage of net charge-offs (x) | 67.2958% | 796 |
| Efficiency ratio | 67.5034% | 3,665 |
| Assets per employee ($millions) | 5.2136% | 2,107 |
| Cash dividends to net income (ytd only)* | 95.7007% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 3,381 |
| Loan loss allowance to noncurrent loans | 65.4497% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 1,312 |
| Noncurrent loans to loans | 1.8578% | 1,158 |
| Net loans and leases to total assets | 67.0072% | 2,854 |
| Net loans and leases to deposits | 89.6674% | 1,657 |
| Net loans and leases to core deposits | 100.5155% | 1,471 |
| Total domestic deposits to total assets | 74.7286% | 5,581 |
| Equity capital to assets | 13.8216% | 995 |
| Core capital (leverage) ratio | 9.5298% | 4,131 |
| Tier 1 risk-based capital ratio | 10.6009% | 5,728 |
| Total risk-based capital ratio | 11.6134% | 5,759 |
| Memoranda: | ||
| Average total assets | $14,861,383,000 | 92 |
| Average earning assets | $12,674,462,800 | 94 |
| Average equity | $2,158,784,600 | 72 |
| Average total loans | $9,985,563,400 | 88 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 3,796 |
| Cost of funding earning assets | 0.1879% | 5,474 |
| Net interest margin | 3.6966% | 2,786 |
| Noninterest income to average assets | 2.5075% | 263 |
| Noninterest expense to average assets | 3.9153% | 729 |
| Loan and lease loss provision to assets | 0.1384% | 1,609 |
| Net operating income to assets | 1.0910% | 2,054 |
| Return on assets (ROA) | 1.0880% | 2,145 |
| Pretax return on assets | 1.5999% | 1,380 |
| Return on Equity (ROE) | 7.3954% | 3,405 |
| Retained earnings to average equity (ytd only) | 1.9059% | 4,933 |
| Net charge-offs to loans | 0.0088% | 3,856 |
| Credit loss provision to net charge-offs | 2,356.5688% | 151 |
| Earnings coverage of net charge-offs (x) | 296.6459% | 243 |
| Efficiency ratio | 68.4788% | 3,457 |
| Assets per employee ($millions) | 5.0854% | 2,195 |
| Cash dividends to net income (ytd only)* | 74.2291% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 3,442 |
| Loan loss allowance to noncurrent loans | 69.9651% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 1,514 |
| Noncurrent loans to loans | 1.7697% | 1,344 |
| Net loans and leases to total assets | 66.5781% | 2,927 |
| Net loans and leases to deposits | 88.0717% | 1,889 |
| Net loans and leases to core deposits | 96.3380% | 1,853 |
| Total domestic deposits to total assets | 75.5954% | 5,552 |
| Equity capital to assets | 14.5746% | 843 |
| Core capital (leverage) ratio | 9.9406% | 3,721 |
| Tier 1 risk-based capital ratio | 11.3512% | 5,458 |
| Total risk-based capital ratio | 12.3765% | 5,480 |
| Memoranda: | ||
| Average total assets | $14,692,600,000 | 93 |
| Average earning assets | $12,518,079,750 | 94 |
| Average equity | $2,161,631,750 | 74 |
| Average total loans | $9,847,273,000 | 90 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 3,760 |
| Cost of funding earning assets | 0.1826% | 5,595 |
| Net interest margin | 3.7003% | 2,703 |
| Noninterest income to average assets | 2.5075% | 272 |
| Noninterest expense to average assets | 3.9451% | 723 |
| Loan and lease loss provision to assets | 0.1265% | 1,752 |
| Net operating income to assets | 1.0747% | 2,034 |
| Return on assets (ROA) | 1.0676% | 2,172 |
| Pretax return on assets | 1.5744% | 1,411 |
| Return on Equity (ROE) | 7.2334% | 3,467 |
| Retained earnings to average equity (ytd only) | 1.6696% | 4,861 |
| Net charge-offs to loans | -0.0164% | 5,095 |
| Credit loss provision to net charge-offs | -1,150.8095% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0252% | 3,491 |
| Assets per employee ($millions) | 5.1875% | 2,050 |
| Cash dividends to net income (ytd only)* | 76.9181% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,713 |
| Loan loss allowance to noncurrent loans | 65.5479% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 1,634 |
| Noncurrent loans to loans | 1.8512% | 1,369 |
| Net loans and leases to total assets | 65.2487% | 3,089 |
| Net loans and leases to deposits | 89.4954% | 1,660 |
| Net loans and leases to core deposits | 96.8326% | 1,728 |
| Total domestic deposits to total assets | 72.9074% | 5,880 |
| Equity capital to assets | 14.4227% | 838 |
| Core capital (leverage) ratio | 10.0217% | 3,566 |
| Tier 1 risk-based capital ratio | 11.3094% | 5,576 |
| Total risk-based capital ratio | 12.3239% | 5,596 |
| Memoranda: | ||
| Average total assets | $14,613,233,000 | 95 |
| Average earning assets | $12,431,541,330 | 96 |
| Average equity | $2,156,810,670 | 76 |
| Average total loans | $9,774,630,330 | 93 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,542 |
| Cost of funding earning assets | 0.1845% | 5,650 |
| Net interest margin | 3.7299% | 2,513 |
| Noninterest income to average assets | 2.5172% | 273 |
| Noninterest expense to average assets | 4.0794% | 635 |
| Loan and lease loss provision to assets | 0.1449% | 1,409 |
| Net operating income to assets | 0.9995% | 2,276 |
| Return on assets (ROA) | 0.9889% | 2,443 |
| Pretax return on assets | 1.4514% | 1,722 |
| Return on Equity (ROE) | 6.6217% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.0948% | 4,126 |
| Net charge-offs to loans | 0.0758% | 1,947 |
| Credit loss provision to net charge-offs | 283.8219% | 844 |
| Earnings coverage of net charge-offs (x) | 31.5494% | 1,122 |
| Efficiency ratio | 70.9492% | 3,326 |
| Assets per employee ($millions) | 4.9832% | 2,379 |
| Cash dividends to net income (ytd only)* | 53.2631% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 4,083 |
| Loan loss allowance to noncurrent loans | 58.6530% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.6315% | 1,561 |
| Noncurrent loans to loans | 2.0125% | 1,299 |
| Net loans and leases to total assets | 66.4579% | 2,699 |
| Net loans and leases to deposits | 85.8675% | 1,848 |
| Net loans and leases to core deposits | 93.0556% | 1,845 |
| Total domestic deposits to total assets | 77.3959% | 5,552 |
| Equity capital to assets | 15.1628% | 686 |
| Core capital (leverage) ratio | 10.2999% | 3,213 |
| Tier 1 risk-based capital ratio | 11.6974% | 5,437 |
| Total risk-based capital ratio | 12.6795% | 5,504 |
| Memoranda: | ||
| Average total assets | $14,429,106,500 | 96 |
| Average earning assets | $12,275,529,000 | 97 |
| Average equity | $2,154,848,000 | 77 |
| Average total loans | $9,714,296,000 | 93 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,479 |
| Cost of funding earning assets | 0.2094% | 5,668 |
| Net interest margin | 3.5946% | 3,431 |
| Noninterest income to average assets | 2.2325% | 290 |
| Noninterest expense to average assets | 4.0159% | 739 |
| Loan and lease loss provision to assets | 0.0895% | 2,681 |
| Net operating income to assets | 0.8213% | 3,276 |
| Return on assets (ROA) | 0.8037% | 3,447 |
| Pretax return on assets | 1.1646% | 2,803 |
| Return on Equity (ROE) | 5.6143% | 4,354 |
| Retained earnings to average equity (ytd only) | -0.5098% | 5,852 |
| Net charge-offs to loans | 0.1669% | 2,361 |
| Credit loss provision to net charge-offs | 85.7628% | 2,744 |
| Earnings coverage of net charge-offs (x) | 12.2515% | 2,398 |
| Efficiency ratio | 74.9558% | 2,669 |
| Assets per employee ($millions) | 5.1326% | 2,147 |
| Cash dividends to net income (ytd only)* | 109.0811% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 4,446 |
| Loan loss allowance to noncurrent loans | 56.2387% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.6070% | 1,680 |
| Noncurrent loans to loans | 1.9922% | 1,394 |
| Net loans and leases to total assets | 66.6404% | 2,785 |
| Net loans and leases to deposits | 88.0919% | 1,726 |
| Net loans and leases to core deposits | 96.1268% | 1,709 |
| Total domestic deposits to total assets | 75.6487% | 5,794 |
| Equity capital to assets | 14.7097% | 756 |
| Core capital (leverage) ratio | 9.9635% | 3,628 |
| Tier 1 risk-based capital ratio | 12.0221% | 5,350 |
| Total risk-based capital ratio | 13.0304% | 5,414 |
| Memoranda: | ||
| Average total assets | $11,577,751,800 | 105 |
| Average earning assets | $9,861,412,400 | 108 |
| Average equity | $1,657,379,600 | 90 |
| Average total loans | $7,239,462,000 | 107 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 5,169 |
| Cost of funding earning assets | 0.2136% | 5,725 |
| Net interest margin | 3.3755% | 4,332 |
| Noninterest income to average assets | 2.0365% | 333 |
| Noninterest expense to average assets | 3.8880% | 858 |
| Loan and lease loss provision to assets | 0.0067% | 4,285 |
| Net operating income to assets | 0.7139% | 3,867 |
| Return on assets (ROA) | 0.6852% | 4,105 |
| Pretax return on assets | 0.9769% | 3,688 |
| Return on Equity (ROE) | 4.8314% | 4,800 |
| Retained earnings to average equity (ytd only) | -1.5492% | 6,037 |
| Net charge-offs to loans | 0.1917% | 1,935 |
| Credit loss provision to net charge-offs | 5.7682% | 3,752 |
| Earnings coverage of net charge-offs (x) | 8.7663% | 2,750 |
| Efficiency ratio | 78.1874% | 2,156 |
| Assets per employee ($millions) | 5.0423% | 2,194 |
| Cash dividends to net income (ytd only)* | 132.0660% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 4,850 |
| Loan loss allowance to noncurrent loans | 44.8394% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 1.8685% | 1,575 |
| Noncurrent loans to loans | 2.4043% | 1,237 |
| Net loans and leases to total assets | 65.1665% | 3,002 |
| Net loans and leases to deposits | 83.6920% | 2,193 |
| Net loans and leases to core deposits | 92.2768% | 2,011 |
| Total domestic deposits to total assets | 77.8646% | 5,559 |
| Equity capital to assets | 14.6638% | 817 |
| Core capital (leverage) ratio | 11.8238% | 1,815 |
| Tier 1 risk-based capital ratio | 12.1638% | 5,394 |
| Total risk-based capital ratio | 13.1283% | 5,490 |
| Memoranda: | ||
| Average total assets | $10,829,352,250 | 109 |
| Average earning assets | $9,223,313,250 | 109 |
| Average equity | $1,535,872,500 | 100 |
| Average total loans | $6,594,221,000 | 112 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5683% | 5,241 |
| Cost of funding earning assets | 0.2246% | 5,706 |
| Net interest margin | 3.3437% | 4,429 |
| Noninterest income to average assets | 1.9729% | 355 |
| Noninterest expense to average assets | 3.5661% | 1,356 |
| Loan and lease loss provision to assets | -0.0433% | 6,287 |
| Net operating income to assets | 0.9398% | 2,598 |
| Return on assets (ROA) | 0.9403% | 2,701 |
| Pretax return on assets | 1.2942% | 2,271 |
| Return on Equity (ROE) | 6.7450% | 3,758 |
| Retained earnings to average equity (ytd only) | -0.5672% | 5,788 |
| Net charge-offs to loans | 0.3120% | 1,297 |
| Credit loss provision to net charge-offs | -23.7410% | 5,109 |
| Earnings coverage of net charge-offs (x) | 6.8566% | 2,712 |
| Efficiency ratio | 73.0160% | 3,160 |
| Assets per employee ($millions) | 5.6474% | 1,568 |
| Cash dividends to net income (ytd only)* | 108.4095% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 1,808 |
| Loan loss allowance to noncurrent loans | 46.9576% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.5571% | 1,089 |
| Noncurrent loans to loans | 3.8665% | 631 |
| Net loans and leases to total assets | 55.6937% | 4,326 |
| Net loans and leases to deposits | 68.9194% | 3,949 |
| Net loans and leases to core deposits | 73.3062% | 3,921 |
| Total domestic deposits to total assets | 80.8099% | 5,040 |
| Equity capital to assets | 13.6974% | 1,085 |
| Core capital (leverage) ratio | 9.7737% | 3,927 |
| Tier 1 risk-based capital ratio | 13.4203% | 4,636 |
| Total risk-based capital ratio | 14.6742% | 4,577 |
| Memoranda: | ||
| Average total assets | $9,613,632,330 | 112 |
| Average earning assets | $8,172,009,670 | 114 |
| Average equity | $1,340,227,000 | 106 |
| Average total loans | $5,613,413,330 | 124 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 5,216 |
| Cost of funding earning assets | 0.2280% | 5,769 |
| Net interest margin | 3.3572% | 4,306 |
| Noninterest income to average assets | 1.9114% | 361 |
| Noninterest expense to average assets | 3.5265% | 1,439 |
| Loan and lease loss provision to assets | 0.0514% | 3,072 |
| Net operating income to assets | 0.8768% | 2,764 |
| Return on assets (ROA) | 0.8837% | 2,792 |
| Pretax return on assets | 1.1982% | 2,491 |
| Return on Equity (ROE) | 6.2825% | 3,862 |
| Retained earnings to average equity (ytd only) | -1.4829% | 5,798 |
| Net charge-offs to loans | 0.4408% | 824 |
| Credit loss provision to net charge-offs | 19.6719% | 2,504 |
| Earnings coverage of net charge-offs (x) | 4.7444% | 2,483 |
| Efficiency ratio | 72.9053% | 3,323 |
| Assets per employee ($millions) | 5.3003% | 1,909 |
| Cash dividends to net income (ytd only)* | 123.6035% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9169% | 1,700 |
| Loan loss allowance to noncurrent loans | 46.1124% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.9210% | 992 |
| Noncurrent loans to loans | 4.1569% | 628 |
| Net loans and leases to total assets | 57.9957% | 3,839 |
| Net loans and leases to deposits | 71.6253% | 3,391 |
| Net loans and leases to core deposits | 76.6144% | 3,350 |
| Total domestic deposits to total assets | 80.9709% | 5,244 |
| Equity capital to assets | 14.2052% | 858 |
| Core capital (leverage) ratio | 9.9690% | 3,612 |
| Tier 1 risk-based capital ratio | 13.5613% | 4,636 |
| Total risk-based capital ratio | 14.8163% | 4,580 |
| Memoranda: | ||
| Average total assets | $9,521,299,500 | 114 |
| Average earning assets | $8,095,195,500 | 116 |
| Average equity | $1,339,282,500 | 104 |
| Average total loans | $5,641,148,500 | 125 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 5,127 |
| Cost of funding earning assets | 0.2846% | 5,719 |
| Net interest margin | 3.4189% | 4,209 |
| Noninterest income to average assets | 1.9966% | 390 |
| Noninterest expense to average assets | 3.4273% | 1,818 |
| Loan and lease loss provision to assets | -0.0366% | 6,345 |
| Net operating income to assets | 1.0796% | 2,000 |
| Return on assets (ROA) | 1.0776% | 2,094 |
| Pretax return on assets | 1.5192% | 1,385 |
| Return on Equity (ROE) | 7.5036% | 3,293 |
| Retained earnings to average equity (ytd only) | 1.5562% | 5,114 |
| Net charge-offs to loans | 0.1585% | 3,218 |
| Credit loss provision to net charge-offs | -38.2226% | 5,764 |
| Earnings coverage of net charge-offs (x) | 15.5240% | 1,860 |
| Efficiency ratio | 68.4614% | 4,109 |
| Assets per employee ($millions) | 5.4220% | 1,736 |
| Cash dividends to net income (ytd only)* | 79.2611% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 1,661 |
| Loan loss allowance to noncurrent loans | 47.6653% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.8907% | 1,105 |
| Noncurrent loans to loans | 4.1035% | 696 |
| Net loans and leases to total assets | 58.2026% | 4,006 |
| Net loans and leases to deposits | 74.6515% | 3,165 |
| Net loans and leases to core deposits | 81.4588% | 2,959 |
| Total domestic deposits to total assets | 77.9658% | 5,836 |
| Equity capital to assets | 13.9301% | 928 |
| Core capital (leverage) ratio | 9.7870% | 3,858 |
| Tier 1 risk-based capital ratio | 13.3389% | 4,757 |
| Total risk-based capital ratio | 14.5945% | 4,696 |
| Memoranda: | ||
| Average total assets | $9,424,675,400 | 117 |
| Average earning assets | $8,036,643,600 | 118 |
| Average equity | $1,353,516,800 | 105 |
| Average total loans | $5,687,559,000 | 122 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7333% | 5,079 |
| Cost of funding earning assets | 0.2998% | 5,743 |
| Net interest margin | 3.4335% | 4,152 |
| Noninterest income to average assets | 1.9926% | 421 |
| Noninterest expense to average assets | 3.3871% | 1,856 |
| Loan and lease loss provision to assets | -0.0060% | 6,460 |
| Net operating income to assets | 1.0951% | 2,024 |
| Return on assets (ROA) | 1.0933% | 2,110 |
| Pretax return on assets | 1.5373% | 1,504 |
| Return on Equity (ROE) | 7.5546% | 3,347 |
| Retained earnings to average equity (ytd only) | 3.1323% | 4,438 |
| Net charge-offs to loans | 0.1349% | 3,191 |
| Credit loss provision to net charge-offs | -7.3565% | 5,595 |
| Earnings coverage of net charge-offs (x) | 18.7468% | 1,660 |
| Efficiency ratio | 67.5132% | 4,187 |
| Assets per employee ($millions) | 5.2538% | 1,886 |
| Cash dividends to net income (ytd only)* | 58.5373% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 1,473 |
| Loan loss allowance to noncurrent loans | 45.5040% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 3.4143% | 1,006 |
| Noncurrent loans to loans | 4.6420% | 686 |
| Net loans and leases to total assets | 59.1879% | 3,825 |
| Net loans and leases to deposits | 73.9818% | 3,234 |
| Net loans and leases to core deposits | 79.6750% | 3,156 |
| Total domestic deposits to total assets | 80.0033% | 5,509 |
| Equity capital to assets | 14.6376% | 789 |
| Core capital (leverage) ratio | 10.2382% | 3,346 |
| Tier 1 risk-based capital ratio | 13.8951% | 4,496 |
| Total risk-based capital ratio | 15.1525% | 4,451 |
| Memoranda: | ||
| Average total assets | $9,374,837,500 | 117 |
| Average earning assets | $7,993,422,000 | 118 |
| Average equity | $1,356,735,750 | 105 |
| Average total loans | $5,681,153,750 | 121 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 5,129 |
| Cost of funding earning assets | 0.3166% | 5,701 |
| Net interest margin | 3.3877% | 4,234 |
| Noninterest income to average assets | 2.0229% | 435 |
| Noninterest expense to average assets | 3.3043% | 2,057 |
| Loan and lease loss provision to assets | 0.0587% | 3,833 |
| Net operating income to assets | 1.0987% | 1,932 |
| Return on assets (ROA) | 1.0970% | 2,052 |
| Pretax return on assets | 1.5518% | 1,477 |
| Return on Equity (ROE) | 7.6086% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.6632% | 3,289 |
| Net charge-offs to loans | 0.1149% | 3,213 |
| Credit loss provision to net charge-offs | 84.1865% | 2,550 |
| Earnings coverage of net charge-offs (x) | 23.1341% | 1,339 |
| Efficiency ratio | 65.8779% | 4,570 |
| Assets per employee ($millions) | 5.4118% | 1,682 |
| Cash dividends to net income (ytd only)* | 38.7109% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1811% | 1,462 |
| Loan loss allowance to noncurrent loans | 43.3877% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.6066% | 1,046 |
| Noncurrent loans to loans | 5.0270% | 638 |
| Net loans and leases to total assets | 59.3507% | 3,770 |
| Net loans and leases to deposits | 73.8402% | 3,182 |
| Net loans and leases to core deposits | 80.3725% | 2,984 |
| Total domestic deposits to total assets | 80.3772% | 5,518 |
| Equity capital to assets | 14.5150% | 820 |
| Core capital (leverage) ratio | 10.2410% | 3,173 |
| Tier 1 risk-based capital ratio | 13.9475% | 4,454 |
| Total risk-based capital ratio | 15.2061% | 4,413 |
| Memoranda: | ||
| Average total assets | $9,419,298,330 | 116 |
| Average earning assets | $8,045,188,330 | 119 |
| Average equity | $1,358,073,330 | 107 |
| Average total loans | $5,712,254,330 | 119 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 5,085 |
| Cost of funding earning assets | 0.3359% | 5,669 |
| Net interest margin | 3.3860% | 4,170 |
| Noninterest income to average assets | 1.9629% | 441 |
| Noninterest expense to average assets | 3.2694% | 2,163 |
| Loan and lease loss provision to assets | 0.0484% | 3,812 |
| Net operating income to assets | 1.0857% | 1,916 |
| Return on assets (ROA) | 1.0840% | 2,030 |
| Pretax return on assets | 1.5301% | 1,489 |
| Return on Equity (ROE) | 7.5436% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.5436% | 1,924 |
| Net charge-offs to loans | 0.2474% | 1,974 |
| Credit loss provision to net charge-offs | 32.2617% | 2,857 |
| Earnings coverage of net charge-offs (x) | 10.5341% | 1,732 |
| Efficiency ratio | 66.0700% | 4,648 |
| Assets per employee ($millions) | 5.2864% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1365% | 1,715 |
| Loan loss allowance to noncurrent loans | 34.7689% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 4.2917% | 882 |
| Noncurrent loans to loans | 6.1450% | 534 |
| Net loans and leases to total assets | 59.5921% | 3,501 |
| Net loans and leases to deposits | 74.3434% | 2,876 |
| Net loans and leases to core deposits | 81.2622% | 2,662 |
| Total domestic deposits to total assets | 80.1579% | 5,722 |
| Equity capital to assets | 14.6445% | 839 |
| Core capital (leverage) ratio | 9.9862% | 3,404 |
| Tier 1 risk-based capital ratio | 13.9264% | 4,562 |
| Total risk-based capital ratio | 15.1851% | 4,515 |
| Memoranda: | ||
| Average total assets | $9,455,849,500 | 118 |
| Average earning assets | $8,061,438,000 | 122 |
| Average equity | $1,358,812,000 | 106 |
| Average total loans | $5,733,024,000 | 118 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 4,962 |
| Cost of funding earning assets | 0.4759% | 5,379 |
| Net interest margin | 3.6201% | 4,002 |
| Noninterest income to average assets | 1.5362% | 665 |
| Noninterest expense to average assets | 3.2833% | 2,384 |
| Loan and lease loss provision to assets | -0.0396% | 6,858 |
| Net operating income to assets | 0.9809% | 2,423 |
| Return on assets (ROA) | 0.9826% | 2,638 |
| Pretax return on assets | 1.3896% | 2,077 |
| Return on Equity (ROE) | 6.9116% | 3,693 |
| Retained earnings to average equity (ytd only) | -3.8096% | 6,343 |
| Net charge-offs to loans | -0.0209% | 6,557 |
| Credit loss provision to net charge-offs | 315.4485% | 772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7857% | 3,861 |
| Assets per employee ($millions) | 5.4321% | 1,748 |
| Cash dividends to net income (ytd only)* | 155.1195% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1544% | 1,643 |
| Loan loss allowance to noncurrent loans | 33.9876% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 4.4494% | 932 |
| Noncurrent loans to loans | 6.3387% | 540 |
| Net loans and leases to total assets | 59.0702% | 3,779 |
| Net loans and leases to deposits | 74.2224% | 3,058 |
| Net loans and leases to core deposits | 81.6931% | 2,801 |
| Total domestic deposits to total assets | 79.5854% | 5,762 |
| Equity capital to assets | 14.1010% | 1,005 |
| Core capital (leverage) ratio | 9.6793% | 3,842 |
| Tier 1 risk-based capital ratio | 13.6033% | 4,669 |
| Total risk-based capital ratio | 15.4927% | 4,167 |
| Memoranda: | ||
| Average total assets | $9,578,969,400 | 113 |
| Average earning assets | $8,186,303,800 | 121 |
| Average equity | $1,361,789,600 | 104 |
| Average total loans | $5,760,766,200 | 113 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 4,899 |
| Cost of funding earning assets | 0.5134% | 5,350 |
| Net interest margin | 3.6637% | 3,952 |
| Noninterest income to average assets | 1.4338% | 730 |
| Noninterest expense to average assets | 3.2766% | 2,337 |
| Loan and lease loss provision to assets | -0.0621% | 7,007 |
| Net operating income to assets | 0.9593% | 2,707 |
| Return on assets (ROA) | 0.9591% | 2,922 |
| Pretax return on assets | 1.3562% | 2,390 |
| Return on Equity (ROE) | 6.7331% | 3,941 |
| Retained earnings to average equity (ytd only) | -4.4949% | 6,587 |
| Net charge-offs to loans | 0.0266% | 5,292 |
| Credit loss provision to net charge-offs | -388.7728% | 6,409 |
| Earnings coverage of net charge-offs (x) | 80.9235% | 511 |
| Efficiency ratio | 70.5568% | 3,583 |
| Assets per employee ($millions) | 5.5690% | 1,567 |
| Cash dividends to net income (ytd only)* | 166.7585% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1564% | 1,790 |
| Loan loss allowance to noncurrent loans | 33.4720% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 4.6303% | 990 |
| Noncurrent loans to loans | 6.4423% | 596 |
| Net loans and leases to total assets | 58.2505% | 4,094 |
| Net loans and leases to deposits | 73.1989% | 3,414 |
| Net loans and leases to core deposits | 81.4372% | 3,027 |
| Total domestic deposits to total assets | 79.5784% | 5,756 |
| Equity capital to assets | 14.3744% | 1,012 |
| Core capital (leverage) ratio | 10.0655% | 3,449 |
| Tier 1 risk-based capital ratio | 15.0425% | 3,820 |
| Total risk-based capital ratio | 17.1320% | 3,301 |
| Memoranda: | ||
| Average total assets | $9,586,318,500 | 113 |
| Average earning assets | $8,205,500,750 | 120 |
| Average equity | $1,365,589,750 | 105 |
| Average total loans | $5,759,667,750 | 113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 4,798 |
| Cost of funding earning assets | 0.5315% | 5,422 |
| Net interest margin | 3.7107% | 3,765 |
| Noninterest income to average assets | 1.3790% | 759 |
| Noninterest expense to average assets | 3.1151% | 2,878 |
| Loan and lease loss provision to assets | 0.1078% | 4,174 |
| Net operating income to assets | 0.9379% | 2,724 |
| Return on assets (ROA) | 0.9344% | 3,006 |
| Pretax return on assets | 1.3219% | 2,475 |
| Return on Equity (ROE) | 6.5787% | 4,006 |
| Retained earnings to average equity (ytd only) | -7.5974% | 6,747 |
| Net charge-offs to loans | 0.3525% | 2,606 |
| Credit loss provision to net charge-offs | 50.7377% | 4,022 |
| Earnings coverage of net charge-offs (x) | 6.7468% | 2,585 |
| Efficiency ratio | 67.3427% | 4,267 |
| Assets per employee ($millions) | 5.5581% | 1,570 |
| Cash dividends to net income (ytd only)* | 215.4837% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 1,925 |
| Loan loss allowance to noncurrent loans | 30.2951% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 5.2337% | 888 |
| Noncurrent loans to loans | 7.0347% | 550 |
| Net loans and leases to total assets | 59.0711% | 3,984 |
| Net loans and leases to deposits | 74.6370% | 3,182 |
| Net loans and leases to core deposits | 84.5409% | 2,620 |
| Total domestic deposits to total assets | 79.1445% | 5,934 |
| Equity capital to assets | 14.2571% | 997 |
| Core capital (leverage) ratio | 10.0412% | 3,363 |
| Tier 1 risk-based capital ratio | 14.8455% | 3,864 |
| Total risk-based capital ratio | 16.9299% | 3,310 |
| Memoranda: | ||
| Average total assets | $9,635,265,670 | 111 |
| Average earning assets | $8,229,966,330 | 118 |
| Average equity | $1,368,497,330 | 103 |
| Average total loans | $5,806,314,670 | 111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 4,725 |
| Cost of funding earning assets | 0.5496% | 5,501 |
| Net interest margin | 3.7530% | 3,585 |
| Noninterest income to average assets | 1.3366% | 799 |
| Noninterest expense to average assets | 3.0775% | 2,993 |
| Loan and lease loss provision to assets | 0.1832% | 3,142 |
| Net operating income to assets | 0.9057% | 2,891 |
| Return on assets (ROA) | 0.9029% | 3,126 |
| Pretax return on assets | 1.2734% | 2,636 |
| Return on Equity (ROE) | 6.3687% | 4,106 |
| Retained earnings to average equity (ytd only) | -13.0799% | 6,929 |
| Net charge-offs to loans | 0.3978% | 2,106 |
| Credit loss provision to net charge-offs | 76.5120% | 2,793 |
| Earnings coverage of net charge-offs (x) | 6.0940% | 2,253 |
| Efficiency ratio | 66.6906% | 4,428 |
| Assets per employee ($millions) | 5.6752% | 1,541 |
| Cash dividends to net income (ytd only)* | 305.3783% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1696% | 1,949 |
| Loan loss allowance to noncurrent loans | 27.7963% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 5.8876% | 808 |
| Noncurrent loans to loans | 7.8055% | 505 |
| Net loans and leases to total assets | 58.6216% | 3,936 |
| Net loans and leases to deposits | 73.7959% | 3,140 |
| Net loans and leases to core deposits | 83.6743% | 2,586 |
| Total domestic deposits to total assets | 79.4376% | 5,991 |
| Equity capital to assets | 14.0447% | 1,012 |
| Core capital (leverage) ratio | 9.8922% | 3,512 |
| Tier 1 risk-based capital ratio | 14.8810% | 3,834 |
| Total risk-based capital ratio | 16.9580% | 3,304 |
| Memoranda: | ||
| Average total assets | $9,720,146,500 | 110 |
| Average earning assets | $8,288,964,500 | 118 |
| Average equity | $1,377,992,500 | 102 |
| Average total loans | $5,852,906,000 | 110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 4,990 |
| Cost of funding earning assets | 0.6626% | 5,756 |
| Net interest margin | 3.8576% | 3,527 |
| Noninterest income to average assets | 1.4946% | 584 |
| Noninterest expense to average assets | 3.0560% | 3,368 |
| Loan and lease loss provision to assets | 1.2465% | 682 |
| Net operating income to assets | 0.4024% | 4,852 |
| Return on assets (ROA) | 0.4055% | 5,015 |
| Pretax return on assets | 0.4699% | 5,075 |
| Return on Equity (ROE) | 2.9650% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.9650% | 4,127 |
| Net charge-offs to loans | 2.9012% | 347 |
| Credit loss provision to net charge-offs | 70.1975% | 4,840 |
| Earnings coverage of net charge-offs (x) | 0.9643% | 5,078 |
| Efficiency ratio | 62.8967% | 5,317 |
| Assets per employee ($millions) | 5.8150% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1402% | 1,913 |
| Loan loss allowance to noncurrent loans | 26.8167% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 6.2461% | 766 |
| Noncurrent loans to loans | 7.9808% | 501 |
| Net loans and leases to total assets | 59.2074% | 4,151 |
| Net loans and leases to deposits | 74.7393% | 3,384 |
| Net loans and leases to core deposits | 86.1699% | 2,613 |
| Total domestic deposits to total assets | 79.2186% | 5,939 |
| Equity capital to assets | 14.3067% | 969 |
| Core capital (leverage) ratio | 10.2397% | 3,043 |
| Tier 1 risk-based capital ratio | 15.1498% | 3,547 |
| Total risk-based capital ratio | 17.2027% | 3,031 |
| Memoranda: | ||
| Average total assets | $9,967,100,400 | 108 |
| Average earning assets | $8,458,678,000 | 114 |
| Average equity | $1,363,116,400 | 96 |
| Average total loans | $6,100,680,600 | 105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 5,110 |
| Cost of funding earning assets | 0.6862% | 5,843 |
| Net interest margin | 3.8565% | 3,583 |
| Noninterest income to average assets | 1.5250% | 564 |
| Noninterest expense to average assets | 3.0533% | 3,341 |
| Loan and lease loss provision to assets | 1.4940% | 465 |
| Net operating income to assets | 0.2724% | 5,499 |
| Return on assets (ROA) | 0.2728% | 5,658 |
| Pretax return on assets | 0.2499% | 5,809 |
| Return on Equity (ROE) | 2.0175% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.0175% | 5,125 |
| Net charge-offs to loans | 3.5391% | 215 |
| Credit loss provision to net charge-offs | 68.7712% | 4,523 |
| Earnings coverage of net charge-offs (x) | 0.8025% | 5,013 |
| Efficiency ratio | 62.4727% | 5,338 |
| Assets per employee ($millions) | 5.8016% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2242% | 1,813 |
| Loan loss allowance to noncurrent loans | 26.8433% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 6.4436% | 806 |
| Noncurrent loans to loans | 8.2860% | 519 |
| Net loans and leases to total assets | 57.2887% | 4,629 |
| Net loans and leases to deposits | 72.2604% | 3,947 |
| Net loans and leases to core deposits | 82.1534% | 3,303 |
| Total domestic deposits to total assets | 79.2809% | 5,925 |
| Equity capital to assets | 13.9218% | 1,187 |
| Core capital (leverage) ratio | 10.0815% | 3,335 |
| Tier 1 risk-based capital ratio | 15.2786% | 3,507 |
| Total risk-based capital ratio | 17.3579% | 3,026 |
| Memoranda: | ||
| Average total assets | $10,010,777,750 | 107 |
| Average earning assets | $8,492,850,000 | 113 |
| Average equity | $1,353,653,000 | 97 |
| Average total loans | $6,144,695,250 | 105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 5,028 |
| Cost of funding earning assets | 0.7185% | 5,843 |
| Net interest margin | 3.8670% | 3,453 |
| Noninterest income to average assets | 1.5406% | 535 |
| Noninterest expense to average assets | 3.1103% | 3,214 |
| Loan and lease loss provision to assets | 1.9262% | 331 |
| Net operating income to assets | 0.0049% | 6,214 |
| Return on assets (ROA) | 0.0049% | 6,296 |
| Pretax return on assets | -0.2151% | 6,466 |
| Return on Equity (ROE) | 0.0368% | 6,296 |
| Retained earnings to average equity (ytd only) | 0.0368% | 5,820 |
| Net charge-offs to loans | 4.6719% | 151 |
| Credit loss provision to net charge-offs | 66.1868% | 4,165 |
| Earnings coverage of net charge-offs (x) | 0.5874% | 4,861 |
| Efficiency ratio | 63.3606% | 5,355 |
| Assets per employee ($millions) | 5.9098% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 1,909 |
| Loan loss allowance to noncurrent loans | 27.1627% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 6.4265% | 835 |
| Noncurrent loans to loans | 8.1233% | 551 |
| Net loans and leases to total assets | 58.1605% | 4,592 |
| Net loans and leases to deposits | 73.7893% | 3,837 |
| Net loans and leases to core deposits | 84.0776% | 3,200 |
| Total domestic deposits to total assets | 78.8196% | 6,129 |
| Equity capital to assets | 13.6032% | 1,245 |
| Core capital (leverage) ratio | 9.6674% | 3,710 |
| Tier 1 risk-based capital ratio | 14.8667% | 3,573 |
| Total risk-based capital ratio | 16.9446% | 3,104 |
| Memoranda: | ||
| Average total assets | $10,058,184,670 | 108 |
| Average earning assets | $8,529,250,330 | 113 |
| Average equity | $1,346,910,670 | 98 |
| Average total loans | $6,265,534,000 | 104 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 5,111 |
| Cost of funding earning assets | 0.7324% | 5,963 |
| Net interest margin | 3.8310% | 3,461 |
| Noninterest income to average assets | 1.5377% | 550 |
| Noninterest expense to average assets | 3.0086% | 3,607 |
| Loan and lease loss provision to assets | 1.5792% | 390 |
| Net operating income to assets | 0.2895% | 5,458 |
| Return on assets (ROA) | 0.2867% | 5,545 |
| Pretax return on assets | 0.1981% | 5,943 |
| Return on Equity (ROE) | 2.1580% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.1580% | 4,845 |
| Net charge-offs to loans | 3.3363% | 307 |
| Credit loss provision to net charge-offs | 74.3398% | 3,272 |
| Earnings coverage of net charge-offs (x) | 0.8379% | 4,010 |
| Efficiency ratio | 61.6535% | 5,731 |
| Assets per employee ($millions) | 5.9162% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6165% | 1,294 |
| Loan loss allowance to noncurrent loans | 24.4226% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 8.1888% | 569 |
| Noncurrent loans to loans | 10.7133% | 350 |
| Net loans and leases to total assets | 61.5883% | 3,952 |
| Net loans and leases to deposits | 77.2613% | 3,202 |
| Net loans and leases to core deposits | 88.6708% | 2,521 |
| Total domestic deposits to total assets | 79.7142% | 6,016 |
| Equity capital to assets | 13.4810% | 1,191 |
| Core capital (leverage) ratio | 9.5109% | 3,787 |
| Tier 1 risk-based capital ratio | 14.1411% | 3,977 |
| Total risk-based capital ratio | 16.1767% | 3,426 |
| Memoranda: | ||
| Average total assets | $10,131,889,000 | 108 |
| Average earning assets | $8,597,866,500 | 113 |
| Average equity | $1,346,272,500 | 97 |
| Average total loans | $6,451,195,000 | 102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 5,381 |
| Cost of funding earning assets | 0.9740% | 5,822 |
| Net interest margin | 3.8336% | 3,804 |
| Noninterest income to average assets | 1.9822% | 401 |
| Noninterest expense to average assets | 2.8690% | 4,351 |
| Loan and lease loss provision to assets | 2.3502% | 500 |
| Net operating income to assets | 0.0264% | 5,760 |
| Return on assets (ROA) | 0.2005% | 5,436 |
| Pretax return on assets | 0.2036% | 5,486 |
| Return on Equity (ROE) | 1.6095% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.6095% | 4,715 |
| Net charge-offs to loans | 3.4661% | 417 |
| Credit loss provision to net charge-offs | 106.5547% | 4,185 |
| Earnings coverage of net charge-offs (x) | 1.0781% | 5,036 |
| Efficiency ratio | 53.5495% | 6,845 |
| Assets per employee ($millions) | 6.0210% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9266% | 925 |
| Loan loss allowance to noncurrent loans | 28.6317% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 7.6853% | 665 |
| Noncurrent loans to loans | 10.2215% | 406 |
| Net loans and leases to total assets | 62.2160% | 4,238 |
| Net loans and leases to deposits | 77.3440% | 3,614 |
| Net loans and leases to core deposits | 90.1998% | 2,740 |
| Total domestic deposits to total assets | 80.4405% | 5,708 |
| Equity capital to assets | 13.0983% | 1,348 |
| Core capital (leverage) ratio | 9.1908% | 4,187 |
| Tier 1 risk-based capital ratio | 13.6123% | 4,123 |
| Total risk-based capital ratio | 15.6277% | 3,583 |
| Memoranda: | ||
| Average total assets | $10,475,612,200 | 105 |
| Average earning assets | $8,920,989,400 | 107 |
| Average equity | $1,305,039,600 | 99 |
| Average total loans | $6,666,219,200 | 101 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 5,501 |
| Cost of funding earning assets | 1.0215% | 5,839 |
| Net interest margin | 3.8217% | 3,875 |
| Noninterest income to average assets | 2.1003% | 354 |
| Noninterest expense to average assets | 2.8563% | 4,253 |
| Loan and lease loss provision to assets | 2.4963% | 422 |
| Net operating income to assets | 0.0027% | 5,995 |
| Return on assets (ROA) | 0.2204% | 5,611 |
| Pretax return on assets | 0.2383% | 5,646 |
| Return on Equity (ROE) | 1.7912% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.7912% | 5,070 |
| Net charge-offs to loans | 3.5938% | 368 |
| Credit loss provision to net charge-offs | 109.3454% | 3,885 |
| Earnings coverage of net charge-offs (x) | 1.0953% | 4,961 |
| Efficiency ratio | 52.2391% | 6,953 |
| Assets per employee ($millions) | 6.1700% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8543% | 954 |
| Loan loss allowance to noncurrent loans | 27.1782% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 7.9297% | 637 |
| Noncurrent loans to loans | 10.5023% | 383 |
| Net loans and leases to total assets | 62.5932% | 4,411 |
| Net loans and leases to deposits | 77.8691% | 3,851 |
| Net loans and leases to core deposits | 89.9209% | 3,104 |
| Total domestic deposits to total assets | 80.3826% | 5,586 |
| Equity capital to assets | 12.6956% | 1,758 |
| Core capital (leverage) ratio | 8.9371% | 4,783 |
| Tier 1 risk-based capital ratio | 13.1273% | 4,475 |
| Total risk-based capital ratio | 15.1194% | 3,909 |
| Memoranda: | ||
| Average total assets | $10,532,591,750 | 103 |
| Average earning assets | $8,974,705,250 | 105 |
| Average equity | $1,295,730,500 | 98 |
| Average total loans | $6,690,794,500 | 100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 5,846 |
| Cost of funding earning assets | 1.0485% | 5,921 |
| Net interest margin | 3.7355% | 4,211 |
| Noninterest income to average assets | 2.5036% | 271 |
| Noninterest expense to average assets | 2.8192% | 4,396 |
| Loan and lease loss provision to assets | 2.5113% | 450 |
| Net operating income to assets | 0.2831% | 5,251 |
| Return on assets (ROA) | 0.4099% | 4,870 |
| Pretax return on assets | 0.5533% | 4,727 |
| Return on Equity (ROE) | 3.3682% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.3682% | 3,963 |
| Net charge-offs to loans | 3.4151% | 437 |
| Credit loss provision to net charge-offs | 116.3118% | 3,489 |
| Earnings coverage of net charge-offs (x) | 1.3397% | 4,486 |
| Efficiency ratio | 48.3552% | 7,324 |
| Assets per employee ($millions) | 6.3019% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7827% | 1,014 |
| Loan loss allowance to noncurrent loans | 28.2211% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 7.6546% | 664 |
| Noncurrent loans to loans | 9.8602% | 454 |
| Net loans and leases to total assets | 64.3976% | 4,176 |
| Net loans and leases to deposits | 80.1188% | 3,577 |
| Net loans and leases to core deposits | 92.0396% | 2,979 |
| Total domestic deposits to total assets | 80.3777% | 5,604 |
| Equity capital to assets | 12.4992% | 1,803 |
| Core capital (leverage) ratio | 8.8484% | 4,838 |
| Tier 1 risk-based capital ratio | 12.4759% | 4,878 |
| Total risk-based capital ratio | 14.4431% | 4,251 |
| Memoranda: | ||
| Average total assets | $10,528,615,670 | 100 |
| Average earning assets | $9,041,919,330 | 104 |
| Average equity | $1,281,409,330 | 97 |
| Average total loans | $6,656,366,670 | 101 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 6,448 |
| Cost of funding earning assets | 1.0673% | 6,057 |
| Net interest margin | 3.5694% | 4,855 |
| Noninterest income to average assets | 1.1469% | 948 |
| Noninterest expense to average assets | 2.7340% | 4,748 |
| Loan and lease loss provision to assets | 1.8004% | 630 |
| Net operating income to assets | -0.1043% | 6,436 |
| Return on assets (ROA) | 0.0610% | 6,236 |
| Pretax return on assets | -0.0195% | 6,384 |
| Return on Equity (ROE) | 0.5081% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.5081% | 5,628 |
| Net charge-offs to loans | 2.8740% | 544 |
| Credit loss provision to net charge-offs | 101.5381% | 3,348 |
| Earnings coverage of net charge-offs (x) | 0.8580% | 4,276 |
| Efficiency ratio | 62.8971% | 5,679 |
| Assets per employee ($millions) | 6.1686% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7715% | 1,019 |
| Loan loss allowance to noncurrent loans | 38.6819% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 5.1912% | 1,220 |
| Noncurrent loans to loans | 7.1648% | 821 |
| Net loans and leases to total assets | 61.5395% | 4,849 |
| Net loans and leases to deposits | 76.3031% | 4,358 |
| Net loans and leases to core deposits | 88.5267% | 3,563 |
| Total domestic deposits to total assets | 80.6514% | 5,571 |
| Equity capital to assets | 12.6303% | 1,692 |
| Core capital (leverage) ratio | 8.6734% | 5,063 |
| Tier 1 risk-based capital ratio | 12.1799% | 5,012 |
| Total risk-based capital ratio | 14.1568% | 4,379 |
| Memoranda: | ||
| Average total assets | $10,486,764,000 | 102 |
| Average earning assets | $9,132,195,000 | 103 |
| Average equity | $1,258,888,500 | 96 |
| Average total loans | $6,469,702,000 | 102 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 7,507 |
| Cost of funding earning assets | 1.5422% | 5,327 |
| Net interest margin | 2.8248% | 7,015 |
| Noninterest income to average assets | 1.6744% | 515 |
| Noninterest expense to average assets | 2.6291% | 5,678 |
| Loan and lease loss provision to assets | 2.2661% | 906 |
| Net operating income to assets | -0.3055% | 5,978 |
| Return on assets (ROA) | -0.2193% | 5,854 |
| Pretax return on assets | -0.5988% | 6,092 |
| Return on Equity (ROE) | -1.9695% | 5,855 |
| Retained earnings to average equity (ytd only) | -1.9695% | 5,511 |
| Net charge-offs to loans | 3.0831% | 672 |
| Credit loss provision to net charge-offs | 116.6413% | 4,648 |
| Earnings coverage of net charge-offs (x) | 0.7884% | 5,322 |
| Efficiency ratio | 62.1311% | 6,130 |
| Assets per employee ($millions) | 6.6169% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7139% | 1,004 |
| Loan loss allowance to noncurrent loans | 42.3411% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 4.3703% | 1,486 |
| Noncurrent loans to loans | 6.4097% | 949 |
| Net loans and leases to total assets | 58.5644% | 5,563 |
| Net loans and leases to deposits | 71.9165% | 5,341 |
| Net loans and leases to core deposits | 86.1372% | 5,508 |
| Total domestic deposits to total assets | 81.4339% | 5,180 |
| Equity capital to assets | 11.4194% | 2,376 |
| Core capital (leverage) ratio | 7.2712% | 7,011 |
| Tier 1 risk-based capital ratio | 11.2966% | 5,618 |
| Total risk-based capital ratio | 13.2472% | 4,904 |
| Memoranda: | ||
| Average total assets | $10,228,839,600 | 105 |
| Average earning assets | $9,003,692,600 | 104 |
| Average equity | $1,139,162,200 | 100 |
| Average total loans | $6,445,781,600 | 104 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 7,697 |
| Cost of funding earning assets | 1.5532% | 5,615 |
| Net interest margin | 2.6924% | 7,223 |
| Noninterest income to average assets | 1.5738% | 595 |
| Noninterest expense to average assets | 2.6312% | 5,594 |
| Loan and lease loss provision to assets | 2.1409% | 817 |
| Net operating income to assets | -0.2980% | 6,195 |
| Return on assets (ROA) | -0.1831% | 6,045 |
| Pretax return on assets | -0.6419% | 6,437 |
| Return on Equity (ROE) | -1.6554% | 6,045 |
| Retained earnings to average equity (ytd only) | -1.6554% | 5,646 |
| Net charge-offs to loans | 2.4186% | 761 |
| Credit loss provision to net charge-offs | 138.8019% | 3,566 |
| Earnings coverage of net charge-offs (x) | 0.8548% | 5,203 |
| Efficiency ratio | 65.6679% | 5,426 |
| Assets per employee ($millions) | 10.2258% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9118% | 714 |
| Loan loss allowance to noncurrent loans | 52.2582% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.7808% | 2,495 |
| Noncurrent loans to loans | 5.5720% | 1,120 |
| Net loans and leases to total assets | 44.7113% | 7,198 |
| Net loans and leases to deposits | 54.1462% | 7,207 |
| Net loans and leases to core deposits | 63.6753% | 7,259 |
| Total domestic deposits to total assets | 82.5753% | 4,409 |
| Equity capital to assets | 8.4113% | 6,370 |
| Core capital (leverage) ratio | 8.0889% | 6,202 |
| Tier 1 risk-based capital ratio | 10.5455% | 6,419 |
| Total risk-based capital ratio | 12.5107% | 5,627 |
| Memoranda: | ||
| Average total assets | $10,076,434,250 | 112 |
| Average earning assets | $8,891,812,250 | 111 |
| Average equity | $1,114,530,250 | 108 |
| Average total loans | $6,426,090,250 | 109 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 6,737 |
| Cost of funding earning assets | 1.8976% | 4,275 |
| Net interest margin | 3.1113% | 6,199 |
| Noninterest income to average assets | 1.5207% | 641 |
| Noninterest expense to average assets | 2.9479% | 4,300 |
| Loan and lease loss provision to assets | 2.6754% | 576 |
| Net operating income to assets | -0.7203% | 6,770 |
| Return on assets (ROA) | -0.5201% | 6,577 |
| Pretax return on assets | -1.0903% | 6,877 |
| Return on Equity (ROE) | -4.1651% | 6,497 |
| Retained earnings to average equity (ytd only) | -4.1651% | 6,165 |
| Net charge-offs to loans | 2.4819% | 702 |
| Credit loss provision to net charge-offs | 147.0200% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.6986% | 5,018 |
| Efficiency ratio | 68.8522% | 5,004 |
| Assets per employee ($millions) | 6.2190% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7964% | 682 |
| Loan loss allowance to noncurrent loans | 64.5218% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 3.5795% | 1,737 |
| Noncurrent loans to loans | 4.3340% | 1,499 |
| Net loans and leases to total assets | 75.1984% | 2,393 |
| Net loans and leases to deposits | 99.7267% | 1,314 |
| Net loans and leases to core deposits | 119.6315% | 2,403 |
| Total domestic deposits to total assets | 75.4044% | 6,681 |
| Equity capital to assets | 13.2960% | 1,564 |
| Core capital (leverage) ratio | 8.5298% | 5,389 |
| Tier 1 risk-based capital ratio | 10.6125% | 6,271 |
| Total risk-based capital ratio | 12.6339% | 5,421 |
| Memoranda: | ||
| Average total assets | $8,731,359,330 | 128 |
| Average earning assets | $7,572,648,330 | 127 |
| Average equity | $1,090,381,330 | 113 |
| Average total loans | $6,401,872,000 | 113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 7,080 |
| Cost of funding earning assets | 1.9841% | 4,210 |
| Net interest margin | 2.9536% | 6,602 |
| Noninterest income to average assets | 1.4765% | 645 |
| Noninterest expense to average assets | 2.7984% | 4,565 |
| Loan and lease loss provision to assets | 4.0290% | 236 |
| Net operating income to assets | -1.4877% | 7,495 |
| Return on assets (ROA) | -1.2107% | 7,383 |
| Pretax return on assets | -2.3433% | 7,627 |
| Return on Equity (ROE) | -9.9991% | 7,364 |
| Retained earnings to average equity (ytd only) | -9.9991% | 7,110 |
| Net charge-offs to loans | 3.4231% | 359 |
| Credit loss provision to net charge-offs | 164.8049% | 2,593 |
| Earnings coverage of net charge-offs (x) | 0.5121% | 4,578 |
| Efficiency ratio | 68.1183% | 4,944 |
| Assets per employee ($millions) | 6.5563% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7616% | 600 |
| Loan loss allowance to noncurrent loans | 64.7459% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 3.1147% | 1,809 |
| Noncurrent loans to loans | 4.2653% | 1,377 |
| Net loans and leases to total assets | 70.0731% | 3,652 |
| Net loans and leases to deposits | 91.5294% | 2,686 |
| Net loans and leases to core deposits | 110.5855% | 3,357 |
| Total domestic deposits to total assets | 76.5581% | 6,388 |
| Equity capital to assets | 12.3491% | 2,057 |
| Core capital (leverage) ratio | 8.3840% | 5,744 |
| Tier 1 risk-based capital ratio | 10.4093% | 6,486 |
| Total risk-based capital ratio | 12.4213% | 5,649 |
| Memoranda: | ||
| Average total assets | $8,905,456,000 | 128 |
| Average earning assets | $7,760,266,500 | 128 |
| Average equity | $1,078,259,500 | 114 |
| Average total loans | $6,360,128,500 | 116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 6,530 |
| Cost of funding earning assets | 2.5853% | 3,758 |
| Net interest margin | 3.1867% | 6,402 |
| Noninterest income to average assets | 1.6128% | 533 |
| Noninterest expense to average assets | 2.8392% | 4,652 |
| Loan and lease loss provision to assets | 1.5175% | 883 |
| Net operating income to assets | 0.2526% | 5,702 |
| Return on assets (ROA) | 0.2662% | 5,479 |
| Pretax return on assets | 0.0254% | 6,102 |
| Return on Equity (ROE) | 2.1695% | 5,555 |
| Retained earnings to average equity (ytd only) | -0.7813% | 5,537 |
| Net charge-offs to loans | 0.7866% | 1,582 |
| Credit loss provision to net charge-offs | 268.5027% | 1,721 |
| Earnings coverage of net charge-offs (x) | 2.7059% | 4,724 |
| Efficiency ratio | 64.0099% | 5,557 |
| Assets per employee ($millions) | 6.5593% | 862 |
| Cash dividends to net income (ytd only)* | 136.0112% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3119% | 841 |
| Loan loss allowance to noncurrent loans | 98.6741% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.7075% | 2,853 |
| Noncurrent loans to loans | 2.3430% | 2,353 |
| Net loans and leases to total assets | 69.1225% | 4,223 |
| Net loans and leases to deposits | 93.6732% | 2,823 |
| Net loans and leases to core deposits | 115.4735% | 3,181 |
| Total domestic deposits to total assets | 73.7911% | 6,688 |
| Equity capital to assets | 11.8610% | 2,378 |
| Core capital (leverage) ratio | 7.6998% | 6,930 |
| Tier 1 risk-based capital ratio | 9.4413% | 7,373 |
| Total risk-based capital ratio | 11.4565% | 6,376 |
| Memoranda: | ||
| Average total assets | $8,284,603,400 | 130 |
| Average earning assets | $7,164,051,400 | 132 |
| Average equity | $1,016,674,800 | 115 |
| Average total loans | $5,952,564,200 | 121 |