Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle 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 | 5.8166% | 813 |
| Cost of funding earning assets | 2.6589% | 270 |
| Net interest margin | 3.1577% | 2,967 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 1.8392% | 3,936 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.3498% | 1,323 |
| Return on assets (ROA) | 1.3166% | 1,364 |
| Pretax return on assets | 1.6771% | 1,105 |
| Return on Equity (ROE) | 10.2400% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.4338% | 1,413 |
| Net charge-offs to loans | 0.1562% | 665 |
| Credit loss provision to net charge-offs | 207.7850% | 1,194 |
| Earnings coverage of net charge-offs (x) | 18.1096% | 1,948 |
| Efficiency ratio | 48.4655% | 4,068 |
| Assets per employee ($millions) | 14.2480% | 242 |
| Cash dividends to net income (ytd only)* | 17.6288% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 2,951 |
| Loan loss allowance to noncurrent loans | 399.8720% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 2,272 |
| Noncurrent loans to loans | 0.2693% | 2,221 |
| Net loans and leases to total assets | 67.8200% | 2,060 |
| Net loans and leases to deposits | 83.6970% | 1,808 |
| Net loans and leases to core deposits | 106.9933% | 1,070 |
| Total domestic deposits to total assets | 81.0300% | 3,304 |
| Equity capital to assets | 12.8081% | 899 |
| Core capital (leverage) ratio | 9.6653% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9644% | 2,594 |
| Memoranda: | ||
| Average total assets | $45,758,758,800 | 50 |
| Average earning assets | $40,551,850,000 | 49 |
| Average equity | $5,883,866,600 | 40 |
| Average total loans | $31,123,901,800 | 48 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6939% | 797 |
| Cost of funding earning assets | 2.5071% | 274 |
| Net interest margin | 3.1868% | 2,947 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 1.7813% | 4,014 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.5042% | 1,117 |
| Return on assets (ROA) | 1.4566% | 1,188 |
| Pretax return on assets | 1.8313% | 960 |
| Return on Equity (ROE) | 11.3200% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.4967% | 1,550 |
| Net charge-offs to loans | 0.1526% | 552 |
| Credit loss provision to net charge-offs | 229.5036% | 1,035 |
| Earnings coverage of net charge-offs (x) | 20.4482% | 1,808 |
| Efficiency ratio | 45.2721% | 4,174 |
| Assets per employee ($millions) | 14.2265% | 235 |
| Cash dividends to net income (ytd only)* | 16.0771% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 2,974 |
| Loan loss allowance to noncurrent loans | 722.4525% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 2,874 |
| Noncurrent loans to loans | 0.1494% | 2,810 |
| Net loans and leases to total assets | 66.9900% | 2,165 |
| Net loans and leases to deposits | 82.4577% | 1,871 |
| Net loans and leases to core deposits | 104.1048% | 1,117 |
| Total domestic deposits to total assets | 81.2400% | 3,345 |
| Equity capital to assets | 12.5225% | 916 |
| Core capital (leverage) ratio | 9.6706% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0453% | 2,595 |
| Memoranda: | ||
| Average total assets | $45,240,840,500 | 50 |
| Average earning assets | $40,104,186,250 | 50 |
| Average equity | $5,823,290,000 | 41 |
| Average total loans | $30,707,480,250 | 49 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4938% | 840 |
| Cost of funding earning assets | 2.2652% | 299 |
| Net interest margin | 3.2286% | 2,921 |
| Noninterest income to average assets | 1.1900% | 446 |
| Noninterest expense to average assets | 1.8061% | 3,985 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.6154% | 926 |
| Return on assets (ROA) | 1.5801% | 975 |
| Pretax return on assets | 1.9779% | 773 |
| Return on Equity (ROE) | 12.1600% | 2,102 |
| Retained earnings to average equity (ytd only) | 10.3349% | 1,322 |
| Net charge-offs to loans | 0.1128% | 628 |
| Credit loss provision to net charge-offs | 315.6488% | 841 |
| Earnings coverage of net charge-offs (x) | 29.3442% | 1,564 |
| Efficiency ratio | 44.1469% | 4,247 |
| Assets per employee ($millions) | 14.1309% | 233 |
| Cash dividends to net income (ytd only)* | 14.9986% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,040 |
| Loan loss allowance to noncurrent loans | 681.1024% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 2,776 |
| Noncurrent loans to loans | 0.1585% | 2,681 |
| Net loans and leases to total assets | 66.1400% | 2,143 |
| Net loans and leases to deposits | 81.5085% | 1,870 |
| Net loans and leases to core deposits | 101.9741% | 1,135 |
| Total domestic deposits to total assets | 81.1400% | 3,404 |
| Equity capital to assets | 12.7123% | 884 |
| Core capital (leverage) ratio | 9.8154% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9195% | 2,651 |
| Memoranda: | ||
| Average total assets | $44,529,752,667 | 52 |
| Average earning assets | $39,470,773,667 | 50 |
| Average equity | $5,786,917,333 | 41 |
| Average total loans | $30,248,878,333 | 49 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 852 |
| Cost of funding earning assets | 1.9786% | 310 |
| Net interest margin | 3.2967% | 2,884 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 1.8484% | 3,953 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.3355% | 1,581 |
| Return on assets (ROA) | 1.3380% | 1,543 |
| Pretax return on assets | 1.6786% | 1,320 |
| Return on Equity (ROE) | 10.1800% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.3365% | 2,134 |
| Net charge-offs to loans | 0.0981% | 605 |
| Credit loss provision to net charge-offs | 280.7160% | 715 |
| Earnings coverage of net charge-offs (x) | 27.5153% | 1,339 |
| Efficiency ratio | 49.5539% | 3,976 |
| Assets per employee ($millions) | 13.7074% | 262 |
| Cash dividends to net income (ytd only)* | 18.0802% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,371 |
| Loan loss allowance to noncurrent loans | 742.4323% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,769 |
| Noncurrent loans to loans | 0.1391% | 2,800 |
| Net loans and leases to total assets | 66.8300% | 1,969 |
| Net loans and leases to deposits | 82.6644% | 1,599 |
| Net loans and leases to core deposits | 95.3864% | 1,317 |
| Total domestic deposits to total assets | 80.8500% | 3,658 |
| Equity capital to assets | 12.8697% | 792 |
| Core capital (leverage) ratio | 9.9473% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6195% | 2,824 |
| Memoranda: | ||
| Average total assets | $43,415,099,000 | 54 |
| Average earning assets | $38,479,110,000 | 55 |
| Average equity | $5,708,309,500 | 45 |
| Average total loans | $29,742,325,500 | 53 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 2,031 |
| Cost of funding earning assets | 0.6472% | 722 |
| Net interest margin | 3.2349% | 2,751 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 1.8401% | 3,948 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.4346% | 1,038 |
| Return on assets (ROA) | 1.4290% | 1,020 |
| Pretax return on assets | 1.7910% | 754 |
| Return on Equity (ROE) | 10.5800% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.5291% | 1,632 |
| Net charge-offs to loans | 0.1010% | 731 |
| Credit loss provision to net charge-offs | 241.0027% | 1,014 |
| Earnings coverage of net charge-offs (x) | 29.6608% | 1,690 |
| Efficiency ratio | 47.8118% | 4,249 |
| Assets per employee ($millions) | 12.9064% | 314 |
| Cash dividends to net income (ytd only)* | 19.3821% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,184 |
| Loan loss allowance to noncurrent loans | 707.0810% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 2,706 |
| Noncurrent loans to loans | 0.1461% | 2,782 |
| Net loans and leases to total assets | 68.8400% | 1,753 |
| Net loans and leases to deposits | 81.9323% | 1,619 |
| Net loans and leases to core deposits | 91.3908% | 1,431 |
| Total domestic deposits to total assets | 84.0200% | 3,202 |
| Equity capital to assets | 13.4477% | 638 |
| Core capital (leverage) ratio | 10.0925% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6494% | 2,828 |
| Memoranda: | ||
| Average total assets | $40,015,665,800 | 60 |
| Average earning assets | $35,523,292,400 | 61 |
| Average equity | $5,405,041,600 | 49 |
| Average total loans | $26,276,679,400 | 57 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 2,588 |
| Cost of funding earning assets | 0.3867% | 1,387 |
| Net interest margin | 3.1245% | 2,852 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 1.8371% | 3,906 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.4312% | 1,005 |
| Return on assets (ROA) | 1.4235% | 994 |
| Pretax return on assets | 1.7735% | 774 |
| Return on Equity (ROE) | 10.5300% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.6583% | 1,770 |
| Net charge-offs to loans | 0.0773% | 765 |
| Credit loss provision to net charge-offs | 267.7352% | 867 |
| Earnings coverage of net charge-offs (x) | 38.6130% | 1,405 |
| Efficiency ratio | 48.2612% | 4,260 |
| Assets per employee ($millions) | 12.8357% | 312 |
| Cash dividends to net income (ytd only)* | 17.7485% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,315 |
| Loan loss allowance to noncurrent loans | 704.8542% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 2,815 |
| Noncurrent loans to loans | 0.1472% | 2,875 |
| Net loans and leases to total assets | 67.2300% | 1,762 |
| Net loans and leases to deposits | 81.2009% | 1,508 |
| Net loans and leases to core deposits | 88.8649% | 1,366 |
| Total domestic deposits to total assets | 82.7900% | 3,721 |
| Equity capital to assets | 13.3588% | 632 |
| Core capital (leverage) ratio | 10.0867% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8088% | 2,872 |
| Memoranda: | ||
| Average total assets | $39,558,953,500 | 62 |
| Average earning assets | $35,184,091,250 | 63 |
| Average equity | $5,349,591,000 | 52 |
| Average total loans | $25,569,615,500 | 57 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1747% | 3,130 |
| Cost of funding earning assets | 0.2301% | 2,504 |
| Net interest margin | 2.9446% | 3,051 |
| Noninterest income to average assets | 1.0247% | 632 |
| Noninterest expense to average assets | 1.8252% | 3,891 |
| Loan and lease loss provision to assets | 0.0799% | 1,220 |
| Net operating income to assets | 1.3959% | 916 |
| Return on assets (ROA) | 1.3874% | 907 |
| Pretax return on assets | 1.7335% | 696 |
| Return on Equity (ROE) | 10.2166% | 2,257 |
| Retained earnings to average equity (ytd only) | 8.3499% | 1,490 |
| Net charge-offs to loans | 0.0308% | 1,105 |
| Credit loss provision to net charge-offs | 341.5144% | 753 |
| Earnings coverage of net charge-offs (x) | 93.1465% | 855 |
| Efficiency ratio | 49.4667% | 4,283 |
| Assets per employee ($millions) | 12.9726% | 292 |
| Cash dividends to net income (ytd only)* | 18.2709% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,464 |
| Loan loss allowance to noncurrent loans | 1,411.9022% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,338 |
| Noncurrent loans to loans | 0.0730% | 3,435 |
| Net loans and leases to total assets | 65.5853% | 1,745 |
| Net loans and leases to deposits | 79.8310% | 1,402 |
| Net loans and leases to core deposits | 86.6081% | 1,294 |
| Total domestic deposits to total assets | 82.1551% | 3,985 |
| Equity capital to assets | 13.3213% | 609 |
| Core capital (leverage) ratio | 9.8518% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6959% | 2,883 |
| Memoranda: | ||
| Average total assets | $39,118,004,000 | 62 |
| Average earning assets | $34,864,348,667 | 62 |
| Average equity | $5,312,344,000 | 52 |
| Average total loans | $24,835,282,000 | 57 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9987% | 3,264 |
| Cost of funding earning assets | 0.1839% | 3,033 |
| Net interest margin | 2.8149% | 3,092 |
| Noninterest income to average assets | 0.9834% | 698 |
| Noninterest expense to average assets | 1.7816% | 3,983 |
| Loan and lease loss provision to assets | 0.0288% | 1,849 |
| Net operating income to assets | 1.3493% | 903 |
| Return on assets (ROA) | 1.3392% | 912 |
| Pretax return on assets | 1.6736% | 719 |
| Return on Equity (ROE) | 9.7655% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.9075% | 1,610 |
| Net charge-offs to loans | 0.0492% | 798 |
| Credit loss provision to net charge-offs | 45.3654% | 1,213 |
| Earnings coverage of net charge-offs (x) | 56.1891% | 879 |
| Efficiency ratio | 50.3991% | 4,295 |
| Assets per employee ($millions) | 13.1195% | 304 |
| Cash dividends to net income (ytd only)* | 19.0262% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,477 |
| Loan loss allowance to noncurrent loans | 927.0331% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,196 |
| Noncurrent loans to loans | 0.1147% | 3,254 |
| Net loans and leases to total assets | 62.0902% | 1,849 |
| Net loans and leases to deposits | 74.8644% | 1,531 |
| Net loans and leases to core deposits | 79.4513% | 1,526 |
| Total domestic deposits to total assets | 82.9369% | 3,949 |
| Equity capital to assets | 13.5093% | 601 |
| Core capital (leverage) ratio | 9.6154% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0911% | 2,872 |
| Memoranda: | ||
| Average total assets | $38,738,086,500 | 62 |
| Average earning assets | $34,587,669,000 | 63 |
| Average equity | $5,312,386,500 | 53 |
| Average total loans | $24,039,691,000 | 58 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2392% | 3,377 |
| Cost of funding earning assets | 0.2525% | 2,894 |
| Net interest margin | 2.9867% | 3,234 |
| Noninterest income to average assets | 0.9703% | 1,057 |
| Noninterest expense to average assets | 1.7630% | 4,204 |
| Loan and lease loss provision to assets | 0.0449% | 2,160 |
| Net operating income to assets | 1.4597% | 1,108 |
| Return on assets (ROA) | 1.4599% | 1,173 |
| Pretax return on assets | 1.8145% | 883 |
| Return on Equity (ROE) | 10.1900% | 2,461 |
| Retained earnings to average equity (ytd only) | 8.2526% | 1,441 |
| Net charge-offs to loans | 0.1678% | 571 |
| Credit loss provision to net charge-offs | 43.6574% | 2,179 |
| Earnings coverage of net charge-offs (x) | 17.2581% | 1,949 |
| Efficiency ratio | 48.0188% | 4,404 |
| Assets per employee ($millions) | 13.4724% | 275 |
| Cash dividends to net income (ytd only)* | 19.0123% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,268 |
| Loan loss allowance to noncurrent loans | 793.4441% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,207 |
| Noncurrent loans to loans | 0.1413% | 3,231 |
| Net loans and leases to total assets | 60.6517% | 2,092 |
| Net loans and leases to deposits | 73.6944% | 1,746 |
| Net loans and leases to core deposits | 78.5790% | 1,715 |
| Total domestic deposits to total assets | 82.3017% | 3,922 |
| Equity capital to assets | 13.9229% | 679 |
| Core capital (leverage) ratio | 9.8552% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5783% | 2,757 |
| Memoranda: | ||
| Average total assets | $35,944,671,800 | 63 |
| Average earning assets | $31,915,123,200 | 66 |
| Average equity | $5,149,597,200 | 53 |
| Average total loans | $23,069,977,400 | 60 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2925% | 3,412 |
| Cost of funding earning assets | 0.2732% | 2,861 |
| Net interest margin | 3.0193% | 3,260 |
| Noninterest income to average assets | 0.9663% | 1,124 |
| Noninterest expense to average assets | 1.7757% | 4,210 |
| Loan and lease loss provision to assets | 0.0507% | 1,981 |
| Net operating income to assets | 1.4645% | 1,347 |
| Return on assets (ROA) | 1.4642% | 1,405 |
| Pretax return on assets | 1.8154% | 1,126 |
| Return on Equity (ROE) | 10.1432% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.4058% | 1,908 |
| Net charge-offs to loans | 0.1779% | 487 |
| Credit loss provision to net charge-offs | 46.4367% | 1,880 |
| Earnings coverage of net charge-offs (x) | 16.1525% | 1,845 |
| Efficiency ratio | 48.0858% | 4,358 |
| Assets per employee ($millions) | 13.1085% | 297 |
| Cash dividends to net income (ytd only)* | 17.1289% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,166 |
| Loan loss allowance to noncurrent loans | 552.6787% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 3,100 |
| Noncurrent loans to loans | 0.2098% | 3,113 |
| Net loans and leases to total assets | 63.0513% | 1,885 |
| Net loans and leases to deposits | 77.1946% | 1,554 |
| Net loans and leases to core deposits | 83.2517% | 1,476 |
| Total domestic deposits to total assets | 81.6784% | 3,983 |
| Equity capital to assets | 14.4020% | 653 |
| Core capital (leverage) ratio | 9.6451% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4709% | 2,870 |
| Memoranda: | ||
| Average total assets | $35,362,056,250 | 63 |
| Average earning assets | $31,339,229,000 | 68 |
| Average equity | $5,104,745,750 | 54 |
| Average total loans | $22,968,033,500 | 61 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 3,409 |
| Cost of funding earning assets | 0.2948% | 2,821 |
| Net interest margin | 3.0106% | 3,294 |
| Noninterest income to average assets | 0.9523% | 1,156 |
| Noninterest expense to average assets | 1.7643% | 4,257 |
| Loan and lease loss provision to assets | 0.0575% | 1,879 |
| Net operating income to assets | 1.4489% | 1,419 |
| Return on assets (ROA) | 1.4489% | 1,491 |
| Pretax return on assets | 1.7939% | 1,253 |
| Return on Equity (ROE) | 10.0291% | 2,729 |
| Retained earnings to average equity (ytd only) | 9.1100% | 1,678 |
| Net charge-offs to loans | 0.1866% | 457 |
| Credit loss provision to net charge-offs | 47.0957% | 1,617 |
| Earnings coverage of net charge-offs (x) | 15.1837% | 1,642 |
| Efficiency ratio | 48.1068% | 4,378 |
| Assets per employee ($millions) | 13.0144% | 281 |
| Cash dividends to net income (ytd only)* | 9.1647% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,987 |
| Loan loss allowance to noncurrent loans | 498.4922% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,097 |
| Noncurrent loans to loans | 0.2390% | 3,090 |
| Net loans and leases to total assets | 64.4776% | 1,895 |
| Net loans and leases to deposits | 79.7026% | 1,455 |
| Net loans and leases to core deposits | 86.8253% | 1,358 |
| Total domestic deposits to total assets | 80.8977% | 4,101 |
| Equity capital to assets | 14.6891% | 580 |
| Core capital (leverage) ratio | 9.6000% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0515% | 2,704 |
| Memoranda: | ||
| Average total assets | $35,045,929,667 | 64 |
| Average earning assets | $31,002,457,667 | 67 |
| Average equity | $5,063,188,000 | 55 |
| Average total loans | $22,903,093,000 | 61 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2733% | 3,520 |
| Cost of funding earning assets | 0.3181% | 2,812 |
| Net interest margin | 2.9552% | 3,373 |
| Noninterest income to average assets | 0.9507% | 1,217 |
| Noninterest expense to average assets | 1.7026% | 4,374 |
| Loan and lease loss provision to assets | 0.0828% | 1,567 |
| Net operating income to assets | 1.4282% | 1,500 |
| Return on assets (ROA) | 1.4243% | 1,585 |
| Pretax return on assets | 1.7691% | 1,358 |
| Return on Equity (ROE) | 9.9425% | 2,706 |
| Retained earnings to average equity (ytd only) | 9.9425% | 1,661 |
| Net charge-offs to loans | 0.1994% | 407 |
| Credit loss provision to net charge-offs | 63.4202% | 1,267 |
| Earnings coverage of net charge-offs (x) | 14.2381% | 1,370 |
| Efficiency ratio | 47.1273% | 4,396 |
| Assets per employee ($millions) | 13.4092% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,871 |
| Loan loss allowance to noncurrent loans | 374.6679% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 2,968 |
| Noncurrent loans to loans | 0.3233% | 2,943 |
| Net loans and leases to total assets | 65.1693% | 1,903 |
| Net loans and leases to deposits | 80.0898% | 1,514 |
| Net loans and leases to core deposits | 90.5613% | 1,194 |
| Total domestic deposits to total assets | 81.3703% | 4,006 |
| Equity capital to assets | 14.3528% | 603 |
| Core capital (leverage) ratio | 9.3952% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0016% | 2,662 |
| Memoranda: | ||
| Average total assets | $34,960,442,500 | 64 |
| Average earning assets | $30,860,110,500 | 68 |
| Average equity | $5,008,257,500 | 56 |
| Average total loans | $22,864,266,500 | 62 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 3,602 |
| Cost of funding earning assets | 0.6455% | 2,023 |
| Net interest margin | 3.0442% | 3,770 |
| Noninterest income to average assets | 0.8911% | 1,289 |
| Noninterest expense to average assets | 1.7281% | 4,581 |
| Loan and lease loss provision to assets | 0.6052% | 328 |
| Net operating income to assets | 1.0201% | 2,215 |
| Return on assets (ROA) | 1.0240% | 2,346 |
| Pretax return on assets | 1.2270% | 2,236 |
| Return on Equity (ROE) | 6.7769% | 3,291 |
| Retained earnings to average equity (ytd only) | 4.2895% | 2,657 |
| Net charge-offs to loans | 0.1821% | 926 |
| Credit loss provision to net charge-offs | 486.5053% | 1,275 |
| Earnings coverage of net charge-offs (x) | 14.7060% | 2,202 |
| Efficiency ratio | 47.7309% | 4,644 |
| Assets per employee ($millions) | 13.2025% | 252 |
| Cash dividends to net income (ytd only)* | 36.7040% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,593 |
| Loan loss allowance to noncurrent loans | 374.0912% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,067 |
| Noncurrent loans to loans | 0.3380% | 2,991 |
| Net loans and leases to total assets | 64.0065% | 2,366 |
| Net loans and leases to deposits | 79.5246% | 1,923 |
| Net loans and leases to core deposits | 93.4122% | 1,279 |
| Total domestic deposits to total assets | 80.4864% | 3,958 |
| Equity capital to assets | 14.2980% | 733 |
| Core capital (leverage) ratio | 9.0683% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6837% | 2,741 |
| Memoranda: | ||
| Average total assets | $31,680,181,400 | 67 |
| Average earning assets | $27,729,576,600 | 71 |
| Average equity | $4,786,697,400 | 55 |
| Average total loans | $21,620,028,400 | 65 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 3,618 |
| Cost of funding earning assets | 0.7281% | 1,864 |
| Net interest margin | 3.0520% | 3,859 |
| Noninterest income to average assets | 0.8962% | 1,233 |
| Noninterest expense to average assets | 1.6839% | 4,644 |
| Loan and lease loss provision to assets | 0.7962% | 228 |
| Net operating income to assets | 0.9081% | 2,661 |
| Return on assets (ROA) | 0.9136% | 2,773 |
| Pretax return on assets | 1.0887% | 2,787 |
| Return on Equity (ROE) | 5.9563% | 3,574 |
| Retained earnings to average equity (ytd only) | 2.6074% | 3,684 |
| Net charge-offs to loans | 0.1783% | 838 |
| Credit loss provision to net charge-offs | 644.7125% | 1,123 |
| Earnings coverage of net charge-offs (x) | 15.2266% | 2,110 |
| Efficiency ratio | 46.3723% | 4,694 |
| Assets per employee ($millions) | 12.9523% | 258 |
| Cash dividends to net income (ytd only)* | 56.2245% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,249 |
| Loan loss allowance to noncurrent loans | 397.0194% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 3,134 |
| Noncurrent loans to loans | 0.3221% | 3,131 |
| Net loans and leases to total assets | 66.2474% | 2,491 |
| Net loans and leases to deposits | 83.0657% | 2,010 |
| Net loans and leases to core deposits | 99.7511% | 1,176 |
| Total domestic deposits to total assets | 79.7531% | 3,916 |
| Equity capital to assets | 14.3938% | 762 |
| Core capital (leverage) ratio | 8.8863% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5524% | 2,774 |
| Memoranda: | ||
| Average total assets | $30,906,395,750 | 68 |
| Average earning assets | $26,998,434,500 | 70 |
| Average equity | $4,740,331,750 | 55 |
| Average total loans | $21,389,155,000 | 64 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 3,460 |
| Cost of funding earning assets | 0.8378% | 1,642 |
| Net interest margin | 3.1129% | 3,873 |
| Noninterest income to average assets | 0.8457% | 1,304 |
| Noninterest expense to average assets | 1.6853% | 4,698 |
| Loan and lease loss provision to assets | 1.1216% | 165 |
| Net operating income to assets | 0.6579% | 3,554 |
| Return on assets (ROA) | 0.6630% | 3,625 |
| Pretax return on assets | 0.7537% | 3,730 |
| Return on Equity (ROE) | 4.2252% | 4,044 |
| Retained earnings to average equity (ytd only) | 0.2280% | 4,267 |
| Net charge-offs to loans | 0.1480% | 974 |
| Credit loss provision to net charge-offs | 1,081.2934% | 751 |
| Earnings coverage of net charge-offs (x) | 18.0445% | 1,785 |
| Efficiency ratio | 46.4695% | 4,702 |
| Assets per employee ($millions) | 12.8763% | 256 |
| Cash dividends to net income (ytd only)* | 94.6033% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,189 |
| Loan loss allowance to noncurrent loans | 442.1356% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 3,340 |
| Noncurrent loans to loans | 0.2855% | 3,359 |
| Net loans and leases to total assets | 67.2404% | 2,467 |
| Net loans and leases to deposits | 86.3525% | 1,723 |
| Net loans and leases to core deposits | 100.4771% | 1,223 |
| Total domestic deposits to total assets | 77.8673% | 4,203 |
| Equity capital to assets | 14.3420% | 767 |
| Core capital (leverage) ratio | 8.9017% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3869% | 2,860 |
| Memoranda: | ||
| Average total assets | $29,996,118,667 | 71 |
| Average earning assets | $26,106,645,333 | 73 |
| Average equity | $4,706,552,333 | 55 |
| Average total loans | $20,994,724,333 | 66 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 2,942 |
| Cost of funding earning assets | 1.0364% | 1,275 |
| Net interest margin | 3.2581% | 3,696 |
| Noninterest income to average assets | 0.8753% | 1,119 |
| Noninterest expense to average assets | 1.8144% | 4,648 |
| Loan and lease loss provision to assets | 1.4071% | 118 |
| Net operating income to assets | 0.4553% | 4,006 |
| Return on assets (ROA) | 0.4657% | 4,040 |
| Pretax return on assets | 0.4836% | 4,147 |
| Return on Equity (ROE) | 2.8259% | 4,257 |
| Retained earnings to average equity (ytd only) | -0.9408% | 4,132 |
| Net charge-offs to loans | 0.2012% | 685 |
| Credit loss provision to net charge-offs | 982.1861% | 583 |
| Earnings coverage of net charge-offs (x) | 13.1414% | 1,668 |
| Efficiency ratio | 48.1535% | 4,752 |
| Assets per employee ($millions) | 11.3690% | 273 |
| Cash dividends to net income (ytd only)* | 133.2920% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,283 |
| Loan loss allowance to noncurrent loans | 304.9137% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,066 |
| Noncurrent loans to loans | 0.3561% | 3,218 |
| Net loans and leases to total assets | 69.5856% | 2,311 |
| Net loans and leases to deposits | 94.6170% | 1,024 |
| Net loans and leases to core deposits | 108.4250% | 927 |
| Total domestic deposits to total assets | 73.5445% | 4,686 |
| Equity capital to assets | 16.1548% | 557 |
| Core capital (leverage) ratio | 10.2902% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1664% | 3,053 |
| Memoranda: | ||
| Average total assets | $28,396,588,500 | 72 |
| Average earning assets | $24,568,762,500 | 76 |
| Average equity | $4,679,395,500 | 55 |
| Average total loans | $20,189,114,500 | 67 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 2,307 |
| Cost of funding earning assets | 1.2558% | 874 |
| Net interest margin | 3.4491% | 3,593 |
| Noninterest income to average assets | 0.8820% | 1,215 |
| Noninterest expense to average assets | 1.8035% | 4,768 |
| Loan and lease loss provision to assets | 0.1035% | 1,993 |
| Net operating income to assets | 1.5643% | 911 |
| Return on assets (ROA) | 1.5485% | 1,000 |
| Pretax return on assets | 1.9318% | 691 |
| Return on Equity (ROE) | 9.3593% | 2,583 |
| Retained earnings to average equity (ytd only) | 6.7467% | 1,506 |
| Net charge-offs to loans | 0.0853% | 1,897 |
| Credit loss provision to net charge-offs | 169.6493% | 1,529 |
| Earnings coverage of net charge-offs (x) | 33.6947% | 1,468 |
| Efficiency ratio | 45.7668% | 4,920 |
| Assets per employee ($millions) | 11.3384% | 268 |
| Cash dividends to net income (ytd only)* | 27.9138% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4766% | 4,916 |
| Loan loss allowance to noncurrent loans | 149.9162% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 3,080 |
| Noncurrent loans to loans | 0.3179% | 3,298 |
| Net loans and leases to total assets | 71.5415% | 2,164 |
| Net loans and leases to deposits | 97.1616% | 828 |
| Net loans and leases to core deposits | 111.1455% | 794 |
| Total domestic deposits to total assets | 73.6314% | 4,790 |
| Equity capital to assets | 16.8197% | 491 |
| Core capital (leverage) ratio | 10.5168% | 2,937 |
| Tier 1 risk-based capital ratio | 11.2425% | 4,759 |
| Total risk-based capital ratio | 12.1955% | 4,779 |
| Memoranda: | ||
| Average total assets | $26,369,012,400 | 72 |
| Average earning assets | $22,755,678,400 | 74 |
| Average equity | $4,362,912,000 | 57 |
| Average total loans | $18,846,722,400 | 68 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 2,257 |
| Cost of funding earning assets | 1.2829% | 828 |
| Net interest margin | 3.4736% | 3,653 |
| Noninterest income to average assets | 0.9107% | 1,122 |
| Noninterest expense to average assets | 1.8033% | 4,812 |
| Loan and lease loss provision to assets | 0.1159% | 1,684 |
| Net operating income to assets | 1.5912% | 951 |
| Return on assets (ROA) | 1.5702% | 1,050 |
| Pretax return on assets | 1.9615% | 748 |
| Return on Equity (ROE) | 9.5321% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.5405% | 2,092 |
| Net charge-offs to loans | 0.0901% | 1,567 |
| Credit loss provision to net charge-offs | 180.1464% | 1,427 |
| Earnings coverage of net charge-offs (x) | 32.6996% | 1,550 |
| Efficiency ratio | 45.2370% | 4,967 |
| Assets per employee ($millions) | 11.3671% | 250 |
| Cash dividends to net income (ytd only)* | 31.3842% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4817% | 4,992 |
| Loan loss allowance to noncurrent loans | 123.6868% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 2,971 |
| Noncurrent loans to loans | 0.3895% | 3,150 |
| Net loans and leases to total assets | 70.5620% | 2,396 |
| Net loans and leases to deposits | 95.7482% | 1,048 |
| Net loans and leases to core deposits | 111.7693% | 857 |
| Total domestic deposits to total assets | 73.6953% | 4,828 |
| Equity capital to assets | 16.7266% | 515 |
| Core capital (leverage) ratio | 10.3855% | 3,218 |
| Tier 1 risk-based capital ratio | 11.0952% | 4,865 |
| Total risk-based capital ratio | 12.0622% | 4,887 |
| Memoranda: | ||
| Average total assets | $26,044,822,750 | 74 |
| Average earning assets | $22,466,331,500 | 76 |
| Average equity | $4,290,312,500 | 57 |
| Average total loans | $18,586,582,750 | 69 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 2,188 |
| Cost of funding earning assets | 1.2628% | 836 |
| Net interest margin | 3.4967% | 3,607 |
| Noninterest income to average assets | 0.8284% | 1,257 |
| Noninterest expense to average assets | 1.7535% | 4,919 |
| Loan and lease loss provision to assets | 0.1124% | 1,671 |
| Net operating income to assets | 1.5791% | 952 |
| Return on assets (ROA) | 1.5431% | 1,076 |
| Pretax return on assets | 1.9328% | 785 |
| Return on Equity (ROE) | 9.4197% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.6642% | 2,439 |
| Net charge-offs to loans | 0.0842% | 1,520 |
| Credit loss provision to net charge-offs | 186.7160% | 1,282 |
| Earnings coverage of net charge-offs (x) | 34.7232% | 1,347 |
| Efficiency ratio | 44.6885% | 5,041 |
| Assets per employee ($millions) | 11.1868% | 257 |
| Cash dividends to net income (ytd only)* | 39.8685% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 5,043 |
| Loan loss allowance to noncurrent loans | 114.5197% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 2,906 |
| Noncurrent loans to loans | 0.4169% | 3,039 |
| Net loans and leases to total assets | 71.2379% | 2,334 |
| Net loans and leases to deposits | 96.2413% | 1,011 |
| Net loans and leases to core deposits | 113.3147% | 803 |
| Total domestic deposits to total assets | 74.0201% | 4,832 |
| Equity capital to assets | 16.2337% | 582 |
| Core capital (leverage) ratio | 9.8090% | 3,817 |
| Tier 1 risk-based capital ratio | 10.3182% | 5,166 |
| Total risk-based capital ratio | 11.2902% | 5,162 |
| Memoranda: | ||
| Average total assets | $25,587,254,000 | 73 |
| Average earning assets | $22,063,603,670 | 76 |
| Average equity | $4,191,741,670 | 57 |
| Average total loans | $18,302,111,670 | 69 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 2,026 |
| Cost of funding earning assets | 1.2250% | 839 |
| Net interest margin | 3.5375% | 3,474 |
| Noninterest income to average assets | 0.7531% | 1,421 |
| Noninterest expense to average assets | 1.7229% | 4,998 |
| Loan and lease loss provision to assets | 0.1141% | 1,548 |
| Net operating income to assets | 1.5601% | 987 |
| Return on assets (ROA) | 1.5396% | 1,059 |
| Pretax return on assets | 1.9416% | 719 |
| Return on Equity (ROE) | 9.3537% | 2,647 |
| Retained earnings to average equity (ytd only) | 5.5808% | 2,653 |
| Net charge-offs to loans | 0.0792% | 1,289 |
| Credit loss provision to net charge-offs | 201.5147% | 1,047 |
| Earnings coverage of net charge-offs (x) | 36.7492% | 1,207 |
| Efficiency ratio | 44.3206% | 5,091 |
| Assets per employee ($millions) | 10.9489% | 263 |
| Cash dividends to net income (ytd only)* | 40.3358% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4780% | 5,105 |
| Loan loss allowance to noncurrent loans | 88.8592% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,818 |
| Noncurrent loans to loans | 0.5379% | 2,697 |
| Net loans and leases to total assets | 71.3526% | 2,278 |
| Net loans and leases to deposits | 97.5963% | 830 |
| Net loans and leases to core deposits | 110.2802% | 917 |
| Total domestic deposits to total assets | 73.1099% | 4,989 |
| Equity capital to assets | 16.4716% | 503 |
| Core capital (leverage) ratio | 9.8700% | 3,739 |
| Tier 1 risk-based capital ratio | 10.3717% | 5,202 |
| Total risk-based capital ratio | 11.3652% | 5,212 |
| Memoranda: | ||
| Average total assets | $25,174,867,000 | 74 |
| Average earning assets | $21,715,812,500 | 77 |
| Average equity | $4,143,786,500 | 58 |
| Average total loans | $18,000,359,000 | 70 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 1,917 |
| Cost of funding earning assets | 0.9536% | 912 |
| Net interest margin | 3.7204% | 2,961 |
| Noninterest income to average assets | 0.7775% | 1,531 |
| Noninterest expense to average assets | 1.8264% | 4,981 |
| Loan and lease loss provision to assets | 0.1456% | 1,468 |
| Net operating income to assets | 1.5840% | 913 |
| Return on assets (ROA) | 1.5745% | 926 |
| Pretax return on assets | 1.9942% | 570 |
| Return on Equity (ROE) | 9.3918% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.2930% | 1,543 |
| Net charge-offs to loans | 0.1066% | 1,687 |
| Credit loss provision to net charge-offs | 190.5443% | 1,499 |
| Earnings coverage of net charge-offs (x) | 28.1637% | 1,661 |
| Efficiency ratio | 44.7886% | 5,158 |
| Assets per employee ($millions) | 10.8422% | 276 |
| Cash dividends to net income (ytd only)* | 22.3470% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4706% | 5,153 |
| Loan loss allowance to noncurrent loans | 93.4927% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 2,882 |
| Noncurrent loans to loans | 0.5034% | 2,765 |
| Net loans and leases to total assets | 70.9676% | 2,425 |
| Net loans and leases to deposits | 93.2691% | 1,363 |
| Net loans and leases to core deposits | 106.5771% | 1,223 |
| Total domestic deposits to total assets | 76.0891% | 4,746 |
| Equity capital to assets | 16.4482% | 471 |
| Core capital (leverage) ratio | 9.7905% | 3,812 |
| Tier 1 risk-based capital ratio | 10.5240% | 5,169 |
| Total risk-based capital ratio | 11.5414% | 5,164 |
| Memoranda: | ||
| Average total assets | $23,614,953,800 | 76 |
| Average earning assets | $20,315,831,600 | 77 |
| Average equity | $3,958,962,400 | 56 |
| Average total loans | $16,932,084,400 | 72 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 1,939 |
| Cost of funding earning assets | 0.8796% | 1,002 |
| Net interest margin | 3.7340% | 2,882 |
| Noninterest income to average assets | 0.7437% | 1,702 |
| Noninterest expense to average assets | 1.8160% | 5,022 |
| Loan and lease loss provision to assets | 0.1434% | 1,385 |
| Net operating income to assets | 1.5658% | 1,033 |
| Return on assets (ROA) | 1.5625% | 1,043 |
| Pretax return on assets | 1.9898% | 633 |
| Return on Equity (ROE) | 9.2734% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.0322% | 2,110 |
| Net charge-offs to loans | 0.0981% | 1,515 |
| Credit loss provision to net charge-offs | 203.5250% | 1,363 |
| Earnings coverage of net charge-offs (x) | 30.3272% | 1,595 |
| Efficiency ratio | 44.7818% | 5,195 |
| Assets per employee ($millions) | 10.8528% | 257 |
| Cash dividends to net income (ytd only)* | 24.1679% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4565% | 5,237 |
| Loan loss allowance to noncurrent loans | 100.4319% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,095 |
| Noncurrent loans to loans | 0.4545% | 3,024 |
| Net loans and leases to total assets | 71.4317% | 2,420 |
| Net loans and leases to deposits | 94.3377% | 1,345 |
| Net loans and leases to core deposits | 107.9586% | 1,171 |
| Total domestic deposits to total assets | 75.7191% | 4,820 |
| Equity capital to assets | 16.4308% | 468 |
| Core capital (leverage) ratio | 9.6407% | 3,998 |
| Tier 1 risk-based capital ratio | 10.3420% | 5,283 |
| Total risk-based capital ratio | 11.3635% | 5,292 |
| Memoranda: | ||
| Average total assets | $23,292,567,250 | 76 |
| Average earning assets | $20,021,767,500 | 78 |
| Average equity | $3,924,616,000 | 56 |
| Average total loans | $16,725,681,000 | 72 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 2,048 |
| Cost of funding earning assets | 0.7878% | 1,184 |
| Net interest margin | 3.7261% | 2,840 |
| Noninterest income to average assets | 0.7338% | 1,718 |
| Noninterest expense to average assets | 1.8237% | 5,069 |
| Loan and lease loss provision to assets | 0.1425% | 1,361 |
| Net operating income to assets | 1.5403% | 1,054 |
| Return on assets (ROA) | 1.5369% | 1,064 |
| Pretax return on assets | 1.9619% | 660 |
| Return on Equity (ROE) | 9.0419% | 2,995 |
| Retained earnings to average equity (ytd only) | 6.4480% | 2,335 |
| Net charge-offs to loans | 0.0960% | 1,392 |
| Credit loss provision to net charge-offs | 206.6945% | 1,278 |
| Earnings coverage of net charge-offs (x) | 30.5782% | 1,486 |
| Efficiency ratio | 45.1877% | 5,245 |
| Assets per employee ($millions) | 10.8505% | 250 |
| Cash dividends to net income (ytd only)* | 28.6868% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4406% | 5,325 |
| Loan loss allowance to noncurrent loans | 104.4315% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 3,202 |
| Noncurrent loans to loans | 0.4219% | 3,191 |
| Net loans and leases to total assets | 71.6550% | 2,332 |
| Net loans and leases to deposits | 95.3107% | 1,217 |
| Net loans and leases to core deposits | 110.5009% | 968 |
| Total domestic deposits to total assets | 75.1805% | 4,938 |
| Equity capital to assets | 16.5426% | 444 |
| Core capital (leverage) ratio | 9.6637% | 3,925 |
| Tier 1 risk-based capital ratio | 10.1970% | 5,375 |
| Total risk-based capital ratio | 11.2243% | 5,382 |
| Memoranda: | ||
| Average total assets | $22,917,120,330 | 77 |
| Average earning assets | $19,673,035,000 | 79 |
| Average equity | $3,895,415,330 | 56 |
| Average total loans | $16,459,965,330 | 74 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 2,148 |
| Cost of funding earning assets | 0.6841% | 1,527 |
| Net interest margin | 3.7304% | 2,686 |
| Noninterest income to average assets | 0.7344% | 1,685 |
| Noninterest expense to average assets | 1.8563% | 5,093 |
| Loan and lease loss provision to assets | 0.1235% | 1,522 |
| Net operating income to assets | 1.5228% | 1,027 |
| Return on assets (ROA) | 1.5184% | 1,038 |
| Pretax return on assets | 1.9461% | 649 |
| Return on Equity (ROE) | 8.8075% | 3,004 |
| Retained earnings to average equity (ytd only) | 6.2180% | 2,618 |
| Net charge-offs to loans | 0.0985% | 1,195 |
| Credit loss provision to net charge-offs | 174.7164% | 1,139 |
| Earnings coverage of net charge-offs (x) | 29.3532% | 1,251 |
| Efficiency ratio | 45.9943% | 5,276 |
| Assets per employee ($millions) | 10.6191% | 266 |
| Cash dividends to net income (ytd only)* | 29.4004% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4269% | 5,407 |
| Loan loss allowance to noncurrent loans | 98.4173% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 3,160 |
| Noncurrent loans to loans | 0.4338% | 3,231 |
| Net loans and leases to total assets | 71.7876% | 2,205 |
| Net loans and leases to deposits | 98.7198% | 810 |
| Net loans and leases to core deposits | 114.5682% | 776 |
| Total domestic deposits to total assets | 72.7185% | 5,233 |
| Equity capital to assets | 17.0262% | 398 |
| Core capital (leverage) ratio | 9.8112% | 3,746 |
| Tier 1 risk-based capital ratio | 10.2963% | 5,414 |
| Total risk-based capital ratio | 11.3420% | 5,409 |
| Memoranda: | ||
| Average total assets | $22,445,563,500 | 80 |
| Average earning assets | $19,236,621,500 | 81 |
| Average equity | $3,869,575,500 | 56 |
| Average total loans | $16,103,587,000 | 76 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,510 |
| Cost of funding earning assets | 0.5285% | 2,107 |
| Net interest margin | 3.7185% | 2,727 |
| Noninterest income to average assets | 0.7840% | 1,632 |
| Noninterest expense to average assets | 1.9626% | 5,020 |
| Loan and lease loss provision to assets | 0.1356% | 1,696 |
| Net operating income to assets | 1.0874% | 1,896 |
| Return on assets (ROA) | 1.0570% | 2,052 |
| Pretax return on assets | 1.8417% | 707 |
| Return on Equity (ROE) | 6.2038% | 3,677 |
| Retained earnings to average equity (ytd only) | 4.0814% | 2,726 |
| Net charge-offs to loans | 0.1218% | 1,830 |
| Credit loss provision to net charge-offs | 153.6125% | 1,745 |
| Earnings coverage of net charge-offs (x) | 22.9347% | 1,834 |
| Efficiency ratio | 47.9537% | 5,320 |
| Assets per employee ($millions) | 10.3571% | 285 |
| Cash dividends to net income (ytd only)* | 34.2115% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 5,467 |
| Loan loss allowance to noncurrent loans | 109.1682% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 3,236 |
| Noncurrent loans to loans | 0.3908% | 3,361 |
| Net loans and leases to total assets | 71.0787% | 2,368 |
| Net loans and leases to deposits | 94.9996% | 1,177 |
| Net loans and leases to core deposits | 110.9015% | 960 |
| Total domestic deposits to total assets | 74.8201% | 5,106 |
| Equity capital to assets | 17.4605% | 361 |
| Core capital (leverage) ratio | 9.7273% | 3,776 |
| Tier 1 risk-based capital ratio | 10.3251% | 5,439 |
| Total risk-based capital ratio | 11.3810% | 5,434 |
| Memoranda: | ||
| Average total assets | $17,449,732,200 | 90 |
| Average earning assets | $15,032,166,600 | 93 |
| Average equity | $2,973,046,800 | 71 |
| Average total loans | $12,651,223,800 | 81 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,102 |
| Cost of funding earning assets | 0.4750% | 2,482 |
| Net interest margin | 3.5930% | 3,179 |
| Noninterest income to average assets | 0.8052% | 1,567 |
| Noninterest expense to average assets | 1.8558% | 5,191 |
| Loan and lease loss provision to assets | 0.1423% | 1,487 |
| Net operating income to assets | 1.2529% | 1,502 |
| Return on assets (ROA) | 1.2528% | 1,526 |
| Pretax return on assets | 1.9114% | 664 |
| Return on Equity (ROE) | 7.4154% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.5701% | 2,492 |
| Net charge-offs to loans | 0.1258% | 1,525 |
| Credit loss provision to net charge-offs | 155.1450% | 1,648 |
| Earnings coverage of net charge-offs (x) | 22.3963% | 1,866 |
| Efficiency ratio | 46.2652% | 5,411 |
| Assets per employee ($millions) | 9.8752% | 327 |
| Cash dividends to net income (ytd only)* | 24.8841% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4235% | 5,544 |
| Loan loss allowance to noncurrent loans | 114.9655% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 3,530 |
| Noncurrent loans to loans | 0.3684% | 3,632 |
| Net loans and leases to total assets | 70.6769% | 2,461 |
| Net loans and leases to deposits | 96.7218% | 1,039 |
| Net loans and leases to core deposits | 113.9954% | 839 |
| Total domestic deposits to total assets | 73.0724% | 5,304 |
| Equity capital to assets | 17.7163% | 358 |
| Core capital (leverage) ratio | 10.0778% | 3,473 |
| Tier 1 risk-based capital ratio | 10.6739% | 5,382 |
| Total risk-based capital ratio | 11.7552% | 5,378 |
| Memoranda: | ||
| Average total assets | $16,291,857,000 | 92 |
| Average earning assets | $14,076,175,250 | 91 |
| Average equity | $2,752,437,750 | 74 |
| Average total loans | $11,873,454,500 | 84 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 4,553 |
| Cost of funding earning assets | 0.3982% | 3,096 |
| Net interest margin | 3.1862% | 4,459 |
| Noninterest income to average assets | 0.8226% | 1,491 |
| Noninterest expense to average assets | 1.7033% | 5,408 |
| Loan and lease loss provision to assets | 0.1443% | 1,414 |
| Net operating income to assets | 1.1688% | 1,708 |
| Return on assets (ROA) | 1.1687% | 1,747 |
| Pretax return on assets | 1.7524% | 941 |
| Return on Equity (ROE) | 7.0892% | 3,507 |
| Retained earnings to average equity (ytd only) | 5.7766% | 2,245 |
| Net charge-offs to loans | 0.1401% | 1,314 |
| Credit loss provision to net charge-offs | 139.5067% | 1,605 |
| Earnings coverage of net charge-offs (x) | 18.3324% | 1,885 |
| Efficiency ratio | 46.2892% | 5,453 |
| Assets per employee ($millions) | 9.1760% | 394 |
| Cash dividends to net income (ytd only)* | 18.5159% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4168% | 5,597 |
| Loan loss allowance to noncurrent loans | 146.9225% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 3,829 |
| Noncurrent loans to loans | 0.2837% | 4,023 |
| Net loans and leases to total assets | 71.2655% | 2,323 |
| Net loans and leases to deposits | 93.6591% | 1,297 |
| Net loans and leases to core deposits | 111.5885% | 925 |
| Total domestic deposits to total assets | 76.0903% | 5,081 |
| Equity capital to assets | 18.2765% | 305 |
| Core capital (leverage) ratio | 16.6741% | 399 |
| Tier 1 risk-based capital ratio | 10.9616% | 5,270 |
| Total risk-based capital ratio | 12.0795% | 5,256 |
| Memoranda: | ||
| Average total assets | $14,497,086,330 | 98 |
| Average earning assets | $12,637,738,000 | 103 |
| Average equity | $2,389,848,000 | 77 |
| Average total loans | $10,702,871,670 | 89 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 2,864 |
| Cost of funding earning assets | 0.4283% | 2,737 |
| Net interest margin | 3.6192% | 2,822 |
| Noninterest income to average assets | 0.9737% | 1,049 |
| Noninterest expense to average assets | 2.0415% | 4,956 |
| Loan and lease loss provision to assets | 0.1285% | 1,495 |
| Net operating income to assets | 1.3509% | 1,117 |
| Return on assets (ROA) | 1.3509% | 1,152 |
| Pretax return on assets | 2.0287% | 477 |
| Return on Equity (ROE) | 9.0984% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.3215% | 1,736 |
| Net charge-offs to loans | 0.1986% | 866 |
| Credit loss provision to net charge-offs | 85.2838% | 1,720 |
| Earnings coverage of net charge-offs (x) | 14.3144% | 1,728 |
| Efficiency ratio | 47.6202% | 5,483 |
| Assets per employee ($millions) | 9.3184% | 383 |
| Cash dividends to net income (ytd only)* | 19.5299% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 5,369 |
| Loan loss allowance to noncurrent loans | 223.0249% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 4,097 |
| Noncurrent loans to loans | 0.2998% | 4,041 |
| Net loans and leases to total assets | 74.5494% | 1,653 |
| Net loans and leases to deposits | 92.8025% | 1,244 |
| Net loans and leases to core deposits | 103.8023% | 1,235 |
| Total domestic deposits to total assets | 80.3312% | 4,555 |
| Equity capital to assets | 15.4321% | 573 |
| Core capital (leverage) ratio | 10.8876% | 2,493 |
| Tier 1 risk-based capital ratio | 11.1171% | 5,251 |
| Total risk-based capital ratio | 12.9045% | 4,837 |
| Memoranda: | ||
| Average total assets | $11,363,003,500 | 112 |
| Average earning assets | $10,125,461,500 | 112 |
| Average equity | $1,687,193,000 | 101 |
| Average total loans | $8,624,103,500 | 107 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,696 |
| Cost of funding earning assets | 0.3897% | 3,105 |
| Net interest margin | 3.7505% | 2,498 |
| Noninterest income to average assets | 1.1056% | 938 |
| Noninterest expense to average assets | 2.2477% | 4,657 |
| Loan and lease loss provision to assets | 0.1849% | 1,278 |
| Net operating income to assets | 1.3282% | 1,149 |
| Return on assets (ROA) | 1.3314% | 1,195 |
| Pretax return on assets | 2.0127% | 486 |
| Return on Equity (ROE) | 9.7391% | 2,083 |
| Retained earnings to average equity (ytd only) | 7.6978% | 963 |
| Net charge-offs to loans | 0.3308% | 831 |
| Credit loss provision to net charge-offs | 73.9629% | 3,070 |
| Earnings coverage of net charge-offs (x) | 8.7709% | 2,837 |
| Efficiency ratio | 49.6489% | 5,504 |
| Assets per employee ($millions) | 9.4039% | 374 |
| Cash dividends to net income (ytd only)* | 20.9598% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 5,373 |
| Loan loss allowance to noncurrent loans | 205.4265% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 4,020 |
| Noncurrent loans to loans | 0.3370% | 3,932 |
| Net loans and leases to total assets | 76.2506% | 1,470 |
| Net loans and leases to deposits | 96.1449% | 984 |
| Net loans and leases to core deposits | 107.3392% | 1,050 |
| Total domestic deposits to total assets | 79.3080% | 4,718 |
| Equity capital to assets | 14.2361% | 815 |
| Core capital (leverage) ratio | 9.2127% | 4,463 |
| Tier 1 risk-based capital ratio | 9.3258% | 5,834 |
| Total risk-based capital ratio | 11.1688% | 5,724 |
| Memoranda: | ||
| Average total assets | $9,912,821,400 | 115 |
| Average earning assets | $8,813,619,800 | 117 |
| Average equity | $1,355,172,400 | 109 |
| Average total loans | $7,490,328,400 | 112 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 2,864 |
| Cost of funding earning assets | 0.3760% | 3,272 |
| Net interest margin | 3.7277% | 2,603 |
| Noninterest income to average assets | 1.1352% | 892 |
| Noninterest expense to average assets | 2.2649% | 4,617 |
| Loan and lease loss provision to assets | 0.2119% | 995 |
| Net operating income to assets | 1.3045% | 1,279 |
| Return on assets (ROA) | 1.3044% | 1,370 |
| Pretax return on assets | 1.9711% | 615 |
| Return on Equity (ROE) | 9.6563% | 2,203 |
| Retained earnings to average equity (ytd only) | 7.6043% | 1,354 |
| Net charge-offs to loans | 0.3773% | 583 |
| Credit loss provision to net charge-offs | 74.6738% | 2,727 |
| Earnings coverage of net charge-offs (x) | 7.6942% | 2,850 |
| Efficiency ratio | 49.9400% | 5,502 |
| Assets per employee ($millions) | 9.2621% | 380 |
| Cash dividends to net income (ytd only)* | 21.2498% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 5,374 |
| Loan loss allowance to noncurrent loans | 197.0145% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 4,073 |
| Noncurrent loans to loans | 0.3679% | 3,944 |
| Net loans and leases to total assets | 75.6348% | 1,588 |
| Net loans and leases to deposits | 94.8853% | 1,159 |
| Net loans and leases to core deposits | 106.4912% | 1,149 |
| Total domestic deposits to total assets | 79.7118% | 4,575 |
| Equity capital to assets | 13.9093% | 1,075 |
| Core capital (leverage) ratio | 8.5778% | 5,287 |
| Tier 1 risk-based capital ratio | 8.6778% | 5,932 |
| Total risk-based capital ratio | 10.5644% | 5,894 |
| Memoranda: | ||
| Average total assets | $9,616,871,500 | 116 |
| Average earning assets | $8,546,612,750 | 121 |
| Average equity | $1,299,033,500 | 112 |
| Average total loans | $7,232,854,750 | 116 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,077 |
| Cost of funding earning assets | 0.3555% | 3,506 |
| Net interest margin | 3.6915% | 2,728 |
| Noninterest income to average assets | 1.1510% | 844 |
| Noninterest expense to average assets | 2.2481% | 4,733 |
| Loan and lease loss provision to assets | 0.1997% | 1,076 |
| Net operating income to assets | 1.3139% | 1,237 |
| Return on assets (ROA) | 1.3138% | 1,330 |
| Pretax return on assets | 1.9863% | 583 |
| Return on Equity (ROE) | 9.8418% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.7377% | 1,274 |
| Net charge-offs to loans | 0.3839% | 592 |
| Credit loss provision to net charge-offs | 69.5316% | 2,484 |
| Earnings coverage of net charge-offs (x) | 7.6104% | 2,608 |
| Efficiency ratio | 49.8522% | 5,570 |
| Assets per employee ($millions) | 9.1115% | 369 |
| Cash dividends to net income (ytd only)* | 21.3792% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 5,106 |
| Loan loss allowance to noncurrent loans | 173.4410% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 3,833 |
| Noncurrent loans to loans | 0.4950% | 3,594 |
| Net loans and leases to total assets | 73.3653% | 1,955 |
| Net loans and leases to deposits | 96.7666% | 990 |
| Net loans and leases to core deposits | 106.8846% | 1,112 |
| Total domestic deposits to total assets | 75.8168% | 5,312 |
| Equity capital to assets | 13.0398% | 1,479 |
| Core capital (leverage) ratio | 8.2919% | 5,542 |
| Tier 1 risk-based capital ratio | 8.3934% | 6,013 |
| Total risk-based capital ratio | 10.6069% | 5,959 |
| Memoranda: | ||
| Average total assets | $9,185,591,670 | 123 |
| Average earning assets | $8,169,970,670 | 125 |
| Average equity | $1,226,176,670 | 119 |
| Average total loans | $6,872,960,330 | 119 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 2,873 |
| Cost of funding earning assets | 0.3286% | 3,858 |
| Net interest margin | 3.7637% | 2,426 |
| Noninterest income to average assets | 1.0686% | 949 |
| Noninterest expense to average assets | 2.2653% | 4,749 |
| Loan and lease loss provision to assets | 0.1741% | 1,174 |
| Net operating income to assets | 1.3079% | 1,235 |
| Return on assets (ROA) | 1.3079% | 1,314 |
| Pretax return on assets | 1.9716% | 603 |
| Return on Equity (ROE) | 9.6770% | 2,125 |
| Retained earnings to average equity (ytd only) | 7.5688% | 1,635 |
| Net charge-offs to loans | 0.4211% | 533 |
| Credit loss provision to net charge-offs | 54.9457% | 2,012 |
| Earnings coverage of net charge-offs (x) | 6.7706% | 2,213 |
| Efficiency ratio | 50.4704% | 5,604 |
| Assets per employee ($millions) | 8.5617% | 462 |
| Cash dividends to net income (ytd only)* | 21.7861% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,044 |
| Loan loss allowance to noncurrent loans | 132.1956% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 3,380 |
| Noncurrent loans to loans | 0.6849% | 3,133 |
| Net loans and leases to total assets | 74.0087% | 1,729 |
| Net loans and leases to deposits | 95.9309% | 951 |
| Net loans and leases to core deposits | 105.4540% | 1,112 |
| Total domestic deposits to total assets | 77.1479% | 5,270 |
| Equity capital to assets | 13.3983% | 1,221 |
| Core capital (leverage) ratio | 8.3704% | 5,494 |
| Tier 1 risk-based capital ratio | 8.3328% | 6,069 |
| Total risk-based capital ratio | 10.6464% | 6,000 |
| Memoranda: | ||
| Average total assets | $8,944,745,500 | 128 |
| Average earning assets | $7,943,489,000 | 131 |
| Average equity | $1,208,968,500 | 120 |
| Average total loans | $6,732,519,000 | 121 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,402 |
| Cost of funding earning assets | 0.2543% | 4,735 |
| Net interest margin | 3.7215% | 2,670 |
| Noninterest income to average assets | 1.1654% | 873 |
| Noninterest expense to average assets | 2.2649% | 4,891 |
| Loan and lease loss provision to assets | 0.1276% | 1,893 |
| Net operating income to assets | 1.3918% | 1,049 |
| Return on assets (ROA) | 1.3966% | 1,089 |
| Pretax return on assets | 2.1119% | 414 |
| Return on Equity (ROE) | 10.2013% | 1,928 |
| Retained earnings to average equity (ytd only) | 8.2703% | 830 |
| Net charge-offs to loans | 0.2048% | 1,432 |
| Credit loss provision to net charge-offs | 82.6631% | 2,902 |
| Earnings coverage of net charge-offs (x) | 14.4610% | 2,290 |
| Efficiency ratio | 49.7553% | 5,770 |
| Assets per employee ($millions) | 8.2018% | 514 |
| Cash dividends to net income (ytd only)* | 18.9295% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 4,655 |
| Loan loss allowance to noncurrent loans | 210.2098% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 3,931 |
| Noncurrent loans to loans | 0.4723% | 3,775 |
| Net loans and leases to total assets | 75.1323% | 1,546 |
| Net loans and leases to deposits | 93.2847% | 1,276 |
| Net loans and leases to core deposits | 101.9828% | 1,365 |
| Total domestic deposits to total assets | 80.5408% | 4,601 |
| Equity capital to assets | 13.6406% | 1,064 |
| Core capital (leverage) ratio | 8.7468% | 5,169 |
| Tier 1 risk-based capital ratio | 8.9910% | 6,106 |
| Total risk-based capital ratio | 10.6098% | 6,054 |
| Memoranda: | ||
| Average total assets | $7,201,134,200 | 148 |
| Average earning assets | $6,446,649,400 | 148 |
| Average equity | $985,880,600 | 138 |
| Average total loans | $5,426,628,600 | 136 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 3,818 |
| Cost of funding earning assets | 0.2303% | 5,090 |
| Net interest margin | 3.6478% | 2,970 |
| Noninterest income to average assets | 1.1383% | 925 |
| Noninterest expense to average assets | 2.2131% | 5,024 |
| Loan and lease loss provision to assets | 0.0728% | 2,717 |
| Net operating income to assets | 1.4059% | 1,098 |
| Return on assets (ROA) | 1.4129% | 1,126 |
| Pretax return on assets | 2.1349% | 472 |
| Return on Equity (ROE) | 10.3086% | 1,968 |
| Retained earnings to average equity (ytd only) | 8.3833% | 1,094 |
| Net charge-offs to loans | 0.1903% | 1,341 |
| Credit loss provision to net charge-offs | 50.8731% | 3,024 |
| Earnings coverage of net charge-offs (x) | 15.3533% | 2,185 |
| Efficiency ratio | 49.7156% | 5,794 |
| Assets per employee ($millions) | 7.9421% | 556 |
| Cash dividends to net income (ytd only)* | 18.6764% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 4,774 |
| Loan loss allowance to noncurrent loans | 180.0412% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 3,915 |
| Noncurrent loans to loans | 0.5530% | 3,679 |
| Net loans and leases to total assets | 74.3293% | 1,673 |
| Net loans and leases to deposits | 95.6709% | 1,040 |
| Net loans and leases to core deposits | 106.3215% | 1,074 |
| Total domestic deposits to total assets | 77.6927% | 5,237 |
| Equity capital to assets | 13.6824% | 1,147 |
| Core capital (leverage) ratio | 9.7503% | 3,965 |
| Tier 1 risk-based capital ratio | 9.0835% | 6,185 |
| Total risk-based capital ratio | 10.7474% | 6,121 |
| Memoranda: | ||
| Average total assets | $6,830,003,000 | 156 |
| Average earning assets | $6,125,945,500 | 156 |
| Average equity | $936,156,000 | 146 |
| Average total loans | $5,135,494,250 | 145 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,566 |
| Cost of funding earning assets | 0.2118% | 5,330 |
| Net interest margin | 3.7199% | 2,626 |
| Noninterest income to average assets | 1.1615% | 890 |
| Noninterest expense to average assets | 2.2266% | 5,034 |
| Loan and lease loss provision to assets | 0.0479% | 3,162 |
| Net operating income to assets | 1.4795% | 932 |
| Return on assets (ROA) | 1.4911% | 959 |
| Pretax return on assets | 2.2524% | 379 |
| Return on Equity (ROE) | 10.8701% | 1,721 |
| Retained earnings to average equity (ytd only) | 9.1138% | 887 |
| Net charge-offs to loans | 0.1395% | 1,664 |
| Credit loss provision to net charge-offs | 45.6509% | 2,750 |
| Earnings coverage of net charge-offs (x) | 21.7415% | 1,663 |
| Efficiency ratio | 49.0557% | 5,902 |
| Assets per employee ($millions) | 8.1109% | 502 |
| Cash dividends to net income (ytd only)* | 16.1574% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 2,996 |
| Loan loss allowance to noncurrent loans | 363.6222% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 4,368 |
| Noncurrent loans to loans | 0.3709% | 4,379 |
| Net loans and leases to total assets | 73.8257% | 1,690 |
| Net loans and leases to deposits | 95.3258% | 1,019 |
| Net loans and leases to core deposits | 103.1912% | 1,250 |
| Total domestic deposits to total assets | 77.4457% | 5,380 |
| Equity capital to assets | 13.4997% | 1,170 |
| Core capital (leverage) ratio | 9.7703% | 3,915 |
| Tier 1 risk-based capital ratio | 10.0736% | 6,063 |
| Total risk-based capital ratio | 11.2201% | 6,053 |
| Memoranda: | ||
| Average total assets | $6,263,405,000 | 166 |
| Average earning assets | $5,636,600,000 | 163 |
| Average equity | $859,182,000 | 153 |
| Average total loans | $4,712,693,330 | 160 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 3,315 |
| Cost of funding earning assets | 0.2065% | 5,451 |
| Net interest margin | 3.7683% | 2,362 |
| Noninterest income to average assets | 1.1387% | 875 |
| Noninterest expense to average assets | 2.2573% | 4,977 |
| Loan and lease loss provision to assets | 0.0205% | 3,447 |
| Net operating income to assets | 1.4953% | 856 |
| Return on assets (ROA) | 1.4956% | 909 |
| Pretax return on assets | 2.2562% | 350 |
| Return on Equity (ROE) | 10.8119% | 1,686 |
| Retained earnings to average equity (ytd only) | 7.2624% | 1,880 |
| Net charge-offs to loans | 0.1235% | 1,525 |
| Credit loss provision to net charge-offs | 21.9972% | 2,344 |
| Earnings coverage of net charge-offs (x) | 24.4274% | 1,296 |
| Efficiency ratio | 49.4646% | 5,950 |
| Assets per employee ($millions) | 8.1233% | 517 |
| Cash dividends to net income (ytd only)* | 32.8300% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 2,839 |
| Loan loss allowance to noncurrent loans | 357.6010% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 4,324 |
| Noncurrent loans to loans | 0.3965% | 4,400 |
| Net loans and leases to total assets | 73.1611% | 1,625 |
| Net loans and leases to deposits | 95.3602% | 877 |
| Net loans and leases to core deposits | 103.3923% | 1,102 |
| Total domestic deposits to total assets | 76.7208% | 5,662 |
| Equity capital to assets | 13.6391% | 1,114 |
| Core capital (leverage) ratio | 9.7219% | 3,986 |
| Tier 1 risk-based capital ratio | 10.1586% | 6,124 |
| Total risk-based capital ratio | 11.3821% | 6,080 |
| Memoranda: | ||
| Average total assets | $6,146,695,500 | 166 |
| Average earning assets | $5,537,774,500 | 164 |
| Average equity | $850,247,500 | 153 |
| Average total loans | $4,638,091,500 | 158 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,684 |
| Cost of funding earning assets | 0.2099% | 5,665 |
| Net interest margin | 3.8028% | 2,615 |
| Noninterest income to average assets | 0.8495% | 1,683 |
| Noninterest expense to average assets | 2.2571% | 5,220 |
| Loan and lease loss provision to assets | 0.0632% | 3,252 |
| Net operating income to assets | 1.2803% | 1,347 |
| Return on assets (ROA) | 1.2804% | 1,399 |
| Pretax return on assets | 1.9422% | 571 |
| Return on Equity (ROE) | 9.0589% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.4513% | 1,675 |
| Net charge-offs to loans | 0.0976% | 3,111 |
| Credit loss provision to net charge-offs | 85.6302% | 2,748 |
| Earnings coverage of net charge-offs (x) | 27.1534% | 1,442 |
| Efficiency ratio | 52.5682% | 5,944 |
| Assets per employee ($millions) | 7.8506% | 560 |
| Cash dividends to net income (ytd only)* | 28.7844% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 2,635 |
| Loan loss allowance to noncurrent loans | 395.5779% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 4,235 |
| Noncurrent loans to loans | 0.3698% | 4,545 |
| Net loans and leases to total assets | 75.6387% | 1,324 |
| Net loans and leases to deposits | 94.1241% | 1,065 |
| Net loans and leases to core deposits | 102.6417% | 1,196 |
| Total domestic deposits to total assets | 80.3606% | 4,923 |
| Equity capital to assets | 14.0357% | 938 |
| Core capital (leverage) ratio | 10.5931% | 2,845 |
| Tier 1 risk-based capital ratio | 11.3493% | 5,742 |
| Total risk-based capital ratio | 12.6002% | 5,659 |
| Memoranda: | ||
| Average total assets | $5,748,331,400 | 172 |
| Average earning assets | $5,158,817,800 | 166 |
| Average equity | $812,451,800 | 155 |
| Average total loans | $4,347,520,400 | 159 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,702 |
| Cost of funding earning assets | 0.2141% | 5,723 |
| Net interest margin | 3.8011% | 2,620 |
| Noninterest income to average assets | 0.8111% | 1,849 |
| Noninterest expense to average assets | 2.2524% | 5,221 |
| Loan and lease loss provision to assets | 0.0374% | 3,655 |
| Net operating income to assets | 1.2707% | 1,462 |
| Return on assets (ROA) | 1.2710% | 1,517 |
| Pretax return on assets | 1.9239% | 679 |
| Return on Equity (ROE) | 8.9760% | 2,695 |
| Retained earnings to average equity (ytd only) | 6.4795% | 2,118 |
| Net charge-offs to loans | 0.1059% | 2,739 |
| Credit loss provision to net charge-offs | 46.8410% | 3,159 |
| Earnings coverage of net charge-offs (x) | 24.5718% | 1,538 |
| Efficiency ratio | 53.0650% | 5,916 |
| Assets per employee ($millions) | 7.7132% | 584 |
| Cash dividends to net income (ytd only)* | 27.8131% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 2,770 |
| Loan loss allowance to noncurrent loans | 304.3938% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 4,098 |
| Noncurrent loans to loans | 0.4895% | 4,445 |
| Net loans and leases to total assets | 74.8167% | 1,393 |
| Net loans and leases to deposits | 93.1718% | 1,107 |
| Net loans and leases to core deposits | 101.8504% | 1,225 |
| Total domestic deposits to total assets | 80.2997% | 5,015 |
| Equity capital to assets | 14.1468% | 954 |
| Core capital (leverage) ratio | 10.5485% | 2,983 |
| Tier 1 risk-based capital ratio | 11.4968% | 5,792 |
| Total risk-based capital ratio | 12.7479% | 5,723 |
| Memoranda: | ||
| Average total assets | $5,685,947,500 | 171 |
| Average earning assets | $5,089,094,250 | 166 |
| Average equity | $805,104,250 | 154 |
| Average total loans | $4,283,384,000 | 159 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 3,783 |
| Cost of funding earning assets | 0.2189% | 5,756 |
| Net interest margin | 3.7674% | 2,680 |
| Noninterest income to average assets | 0.8336% | 1,722 |
| Noninterest expense to average assets | 2.2698% | 5,231 |
| Loan and lease loss provision to assets | 0.0263% | 3,751 |
| Net operating income to assets | 1.2556% | 1,430 |
| Return on assets (ROA) | 1.2553% | 1,495 |
| Pretax return on assets | 1.9004% | 685 |
| Return on Equity (ROE) | 8.8630% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.6142% | 1,973 |
| Net charge-offs to loans | 0.0862% | 2,830 |
| Credit loss provision to net charge-offs | 40.7021% | 2,914 |
| Earnings coverage of net charge-offs (x) | 29.7685% | 1,262 |
| Efficiency ratio | 53.6822% | 5,932 |
| Assets per employee ($millions) | 7.7042% | 565 |
| Cash dividends to net income (ytd only)* | 25.3727% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 2,715 |
| Loan loss allowance to noncurrent loans | 409.7023% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 4,486 |
| Noncurrent loans to loans | 0.3762% | 4,866 |
| Net loans and leases to total assets | 74.0542% | 1,437 |
| Net loans and leases to deposits | 91.3188% | 1,237 |
| Net loans and leases to core deposits | 99.9499% | 1,288 |
| Total domestic deposits to total assets | 81.0941% | 4,950 |
| Equity capital to assets | 14.1209% | 922 |
| Core capital (leverage) ratio | 10.4610% | 2,989 |
| Tier 1 risk-based capital ratio | 11.5244% | 5,782 |
| Total risk-based capital ratio | 12.7761% | 5,737 |
| Memoranda: | ||
| Average total assets | $5,632,401,670 | 172 |
| Average earning assets | $5,028,015,000 | 168 |
| Average equity | $797,770,330 | 156 |
| Average total loans | $4,231,051,670 | 159 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,738 |
| Cost of funding earning assets | 0.2237% | 5,810 |
| Net interest margin | 3.7654% | 2,614 |
| Noninterest income to average assets | 0.8356% | 1,615 |
| Noninterest expense to average assets | 2.2839% | 5,236 |
| Loan and lease loss provision to assets | 0.0351% | 3,354 |
| Net operating income to assets | 1.2359% | 1,383 |
| Return on assets (ROA) | 1.2359% | 1,442 |
| Pretax return on assets | 1.8727% | 690 |
| Return on Equity (ROE) | 8.7117% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.2486% | 2,408 |
| Net charge-offs to loans | 0.0894% | 2,270 |
| Credit loss provision to net charge-offs | 52.3044% | 2,179 |
| Earnings coverage of net charge-offs (x) | 28.4394% | 1,085 |
| Efficiency ratio | 54.0781% | 6,002 |
| Assets per employee ($millions) | 7.5027% | 628 |
| Cash dividends to net income (ytd only)* | 28.2739% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 2,655 |
| Loan loss allowance to noncurrent loans | 286.7383% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 4,034 |
| Noncurrent loans to loans | 0.5613% | 4,478 |
| Net loans and leases to total assets | 73.9544% | 1,270 |
| Net loans and leases to deposits | 91.2441% | 1,014 |
| Net loans and leases to core deposits | 100.3706% | 1,078 |
| Total domestic deposits to total assets | 81.0512% | 5,220 |
| Equity capital to assets | 14.2820% | 838 |
| Core capital (leverage) ratio | 10.5100% | 2,916 |
| Tier 1 risk-based capital ratio | 11.6869% | 5,820 |
| Total risk-based capital ratio | 12.9395% | 5,761 |
| Memoranda: | ||
| Average total assets | $5,563,372,000 | 173 |
| Average earning assets | $4,958,491,500 | 170 |
| Average equity | $789,235,500 | 157 |
| Average total loans | $4,176,500,500 | 160 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 3,759 |
| Cost of funding earning assets | 0.2716% | 5,820 |
| Net interest margin | 3.8239% | 2,556 |
| Noninterest income to average assets | 0.8426% | 1,894 |
| Noninterest expense to average assets | 2.3220% | 5,311 |
| Loan and lease loss provision to assets | 0.1491% | 2,412 |
| Net operating income to assets | 1.1756% | 1,661 |
| Return on assets (ROA) | 1.1569% | 1,793 |
| Pretax return on assets | 1.7431% | 866 |
| Return on Equity (ROE) | 7.9448% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.0016% | 1,967 |
| Net charge-offs to loans | 0.2367% | 2,559 |
| Credit loss provision to net charge-offs | 84.4385% | 2,914 |
| Earnings coverage of net charge-offs (x) | 10.8751% | 2,305 |
| Efficiency ratio | 54.1688% | 6,122 |
| Assets per employee ($millions) | 7.3832% | 633 |
| Cash dividends to net income (ytd only)* | 24.4583% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 2,629 |
| Loan loss allowance to noncurrent loans | 315.5378% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 4,256 |
| Noncurrent loans to loans | 0.5181% | 4,696 |
| Net loans and leases to total assets | 73.7522% | 1,392 |
| Net loans and leases to deposits | 89.7796% | 1,254 |
| Net loans and leases to core deposits | 99.1775% | 1,218 |
| Total domestic deposits to total assets | 82.1481% | 4,822 |
| Equity capital to assets | 14.0899% | 879 |
| Core capital (leverage) ratio | 10.5243% | 2,893 |
| Tier 1 risk-based capital ratio | 11.3154% | 6,017 |
| Total risk-based capital ratio | 12.5679% | 5,950 |
| Memoranda: | ||
| Average total assets | $5,269,396,800 | 172 |
| Average earning assets | $4,685,085,200 | 170 |
| Average equity | $767,308,000 | 153 |
| Average total loans | $3,930,596,600 | 163 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,612 |
| Cost of funding earning assets | 0.2861% | 5,844 |
| Net interest margin | 3.8512% | 2,461 |
| Noninterest income to average assets | 0.8342% | 1,996 |
| Noninterest expense to average assets | 2.3328% | 5,238 |
| Loan and lease loss provision to assets | 0.1444% | 2,477 |
| Net operating income to assets | 1.1779% | 1,708 |
| Return on assets (ROA) | 1.1529% | 1,874 |
| Pretax return on assets | 1.7405% | 1,016 |
| Return on Equity (ROE) | 7.8496% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.2943% | 2,238 |
| Net charge-offs to loans | 0.2674% | 2,212 |
| Credit loss provision to net charge-offs | 72.4897% | 3,015 |
| Earnings coverage of net charge-offs (x) | 9.6541% | 2,455 |
| Efficiency ratio | 54.2073% | 6,089 |
| Assets per employee ($millions) | 7.2804% | 655 |
| Cash dividends to net income (ytd only)* | 19.8136% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,662 |
| Loan loss allowance to noncurrent loans | 336.5851% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 4,453 |
| Noncurrent loans to loans | 0.5014% | 4,940 |
| Net loans and leases to total assets | 72.9391% | 1,465 |
| Net loans and leases to deposits | 90.0790% | 1,153 |
| Net loans and leases to core deposits | 99.9260% | 1,119 |
| Total domestic deposits to total assets | 80.9724% | 5,220 |
| Equity capital to assets | 14.4227% | 846 |
| Core capital (leverage) ratio | 10.4798% | 3,025 |
| Tier 1 risk-based capital ratio | 11.6363% | 5,992 |
| Total risk-based capital ratio | 12.8895% | 5,949 |
| Memoranda: | ||
| Average total assets | $5,200,559,250 | 172 |
| Average earning assets | $4,619,916,250 | 170 |
| Average equity | $763,823,000 | 152 |
| Average total loans | $3,873,910,000 | 162 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,498 |
| Cost of funding earning assets | 0.3047% | 5,797 |
| Net interest margin | 3.8563% | 2,354 |
| Noninterest income to average assets | 0.8059% | 2,163 |
| Noninterest expense to average assets | 2.3158% | 5,317 |
| Loan and lease loss provision to assets | 0.1923% | 1,975 |
| Net operating income to assets | 1.1426% | 1,773 |
| Return on assets (ROA) | 1.1417% | 1,888 |
| Pretax return on assets | 1.7217% | 1,065 |
| Return on Equity (ROE) | 7.7248% | 3,224 |
| Retained earnings to average equity (ytd only) | 6.6960% | 2,039 |
| Net charge-offs to loans | 0.2955% | 2,004 |
| Credit loss provision to net charge-offs | 87.2618% | 2,494 |
| Earnings coverage of net charge-offs (x) | 8.6898% | 2,373 |
| Efficiency ratio | 54.0255% | 6,145 |
| Assets per employee ($millions) | 7.3052% | 624 |
| Cash dividends to net income (ytd only)* | 13.3179% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 2,631 |
| Loan loss allowance to noncurrent loans | 322.3755% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 4,478 |
| Noncurrent loans to loans | 0.5390% | 4,909 |
| Net loans and leases to total assets | 72.5457% | 1,475 |
| Net loans and leases to deposits | 94.5690% | 771 |
| Net loans and leases to core deposits | 102.6441% | 905 |
| Total domestic deposits to total assets | 76.7119% | 6,170 |
| Equity capital to assets | 14.2876% | 881 |
| Core capital (leverage) ratio | 10.4758% | 2,908 |
| Tier 1 risk-based capital ratio | 11.4578% | 6,134 |
| Total risk-based capital ratio | 12.7114% | 6,095 |
| Memoranda: | ||
| Average total assets | $5,143,094,670 | 170 |
| Average earning assets | $4,568,319,670 | 169 |
| Average equity | $760,122,330 | 149 |
| Average total loans | $3,836,458,670 | 159 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 3,157 |
| Cost of funding earning assets | 0.3311% | 5,710 |
| Net interest margin | 3.9068% | 2,099 |
| Noninterest income to average assets | 0.8490% | 1,933 |
| Noninterest expense to average assets | 2.4442% | 4,968 |
| Loan and lease loss provision to assets | 0.1725% | 2,137 |
| Net operating income to assets | 1.1208% | 1,775 |
| Return on assets (ROA) | 1.1208% | 1,887 |
| Pretax return on assets | 1.6949% | 1,092 |
| Return on Equity (ROE) | 7.4514% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.7070% | 2,312 |
| Net charge-offs to loans | 0.2306% | 2,061 |
| Credit loss provision to net charge-offs | 99.7245% | 1,881 |
| Earnings coverage of net charge-offs (x) | 10.7971% | 1,709 |
| Efficiency ratio | 55.7297% | 6,085 |
| Assets per employee ($millions) | 7.0074% | 767 |
| Cash dividends to net income (ytd only)* | 9.9901% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,531 |
| Loan loss allowance to noncurrent loans | 315.6911% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 4,456 |
| Noncurrent loans to loans | 0.5782% | 4,996 |
| Net loans and leases to total assets | 73.8924% | 1,095 |
| Net loans and leases to deposits | 95.2779% | 580 |
| Net loans and leases to core deposits | 102.1260% | 819 |
| Total domestic deposits to total assets | 77.5546% | 6,178 |
| Equity capital to assets | 15.0994% | 734 |
| Core capital (leverage) ratio | 10.6922% | 2,556 |
| Tier 1 risk-based capital ratio | 11.5405% | 6,165 |
| Total risk-based capital ratio | 12.7953% | 6,130 |
| Memoranda: | ||
| Average total assets | $5,037,274,000 | 177 |
| Average earning assets | $4,464,518,500 | 176 |
| Average equity | $757,651,500 | 153 |
| Average total loans | $3,778,024,000 | 163 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 4,116 |
| Cost of funding earning assets | 0.4651% | 5,455 |
| Net interest margin | 3.8575% | 2,995 |
| Noninterest income to average assets | 0.5834% | 3,371 |
| Noninterest expense to average assets | 2.5098% | 5,060 |
| Loan and lease loss provision to assets | 0.1141% | 4,212 |
| Net operating income to assets | 0.8997% | 2,820 |
| Return on assets (ROA) | 0.9284% | 2,910 |
| Pretax return on assets | 1.4059% | 2,022 |
| Return on Equity (ROE) | 6.0923% | 4,124 |
| Retained earnings to average equity (ytd only) | 2.4340% | 4,522 |
| Net charge-offs to loans | 0.2896% | 3,208 |
| Credit loss provision to net charge-offs | 54.9916% | 4,579 |
| Earnings coverage of net charge-offs (x) | 7.1151% | 2,675 |
| Efficiency ratio | 61.5558% | 5,304 |
| Assets per employee ($millions) | 6.8704% | 821 |
| Cash dividends to net income (ytd only)* | 60.0477% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 2,441 |
| Loan loss allowance to noncurrent loans | 304.1271% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 4,416 |
| Noncurrent loans to loans | 0.6081% | 4,997 |
| Net loans and leases to total assets | 73.3527% | 1,280 |
| Net loans and leases to deposits | 91.4463% | 953 |
| Net loans and leases to core deposits | 97.1867% | 1,210 |
| Total domestic deposits to total assets | 80.2139% | 5,607 |
| Equity capital to assets | 14.9821% | 738 |
| Core capital (leverage) ratio | 10.4796% | 2,793 |
| Tier 1 risk-based capital ratio | 11.6377% | 6,012 |
| Total risk-based capital ratio | 12.8930% | 5,970 |
| Memoranda: | ||
| Average total assets | $4,880,802,200 | 175 |
| Average earning assets | $4,305,368,800 | 176 |
| Average equity | $743,797,400 | 150 |
| Average total loans | $3,497,375,000 | 163 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 4,328 |
| Cost of funding earning assets | 0.4932% | 5,481 |
| Net interest margin | 3.8374% | 3,176 |
| Noninterest income to average assets | 0.5248% | 3,775 |
| Noninterest expense to average assets | 2.4805% | 5,143 |
| Loan and lease loss provision to assets | 0.0848% | 4,552 |
| Net operating income to assets | 0.8940% | 3,009 |
| Return on assets (ROA) | 0.8968% | 3,226 |
| Pretax return on assets | 1.3473% | 2,422 |
| Return on Equity (ROE) | 5.8593% | 4,404 |
| Retained earnings to average equity (ytd only) | 1.2210% | 5,688 |
| Net charge-offs to loans | 0.3093% | 2,899 |
| Credit loss provision to net charge-offs | 38.6866% | 4,642 |
| Earnings coverage of net charge-offs (x) | 6.5156% | 2,774 |
| Efficiency ratio | 62.0190% | 5,146 |
| Assets per employee ($millions) | 6.6815% | 870 |
| Cash dividends to net income (ytd only)* | 79.1605% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 2,362 |
| Loan loss allowance to noncurrent loans | 188.1129% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 3,880 |
| Noncurrent loans to loans | 1.0304% | 4,390 |
| Net loans and leases to total assets | 72.0565% | 1,545 |
| Net loans and leases to deposits | 93.6384% | 816 |
| Net loans and leases to core deposits | 99.9798% | 1,121 |
| Total domestic deposits to total assets | 76.9519% | 6,239 |
| Equity capital to assets | 15.4062% | 725 |
| Core capital (leverage) ratio | 10.4584% | 2,969 |
| Tier 1 risk-based capital ratio | 12.0005% | 5,932 |
| Total risk-based capital ratio | 13.2567% | 5,919 |
| Memoranda: | ||
| Average total assets | $4,845,445,500 | 177 |
| Average earning assets | $4,272,369,750 | 180 |
| Average equity | $741,638,250 | 151 |
| Average total loans | $3,433,379,500 | 166 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 4,473 |
| Cost of funding earning assets | 0.5188% | 5,492 |
| Net interest margin | 3.8063% | 3,328 |
| Noninterest income to average assets | 0.4628% | 4,183 |
| Noninterest expense to average assets | 2.4683% | 5,240 |
| Loan and lease loss provision to assets | 0.0689% | 4,766 |
| Net operating income to assets | 0.8383% | 3,205 |
| Return on assets (ROA) | 0.8438% | 3,442 |
| Pretax return on assets | 1.2828% | 2,619 |
| Return on Equity (ROE) | 5.5249% | 4,573 |
| Retained earnings to average equity (ytd only) | -1.2342% | 6,243 |
| Net charge-offs to loans | 0.3557% | 2,594 |
| Credit loss provision to net charge-offs | 27.6663% | 4,472 |
| Earnings coverage of net charge-offs (x) | 5.3956% | 2,850 |
| Efficiency ratio | 63.2730% | 5,034 |
| Assets per employee ($millions) | 6.6911% | 860 |
| Cash dividends to net income (ytd only)* | 122.3391% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 2,229 |
| Loan loss allowance to noncurrent loans | 170.5348% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 3,739 |
| Noncurrent loans to loans | 1.1727% | 4,195 |
| Net loans and leases to total assets | 69.4602% | 2,015 |
| Net loans and leases to deposits | 91.4622% | 1,007 |
| Net loans and leases to core deposits | 97.5139% | 1,308 |
| Total domestic deposits to total assets | 75.9441% | 6,467 |
| Equity capital to assets | 14.9457% | 803 |
| Core capital (leverage) ratio | 10.2229% | 3,113 |
| Tier 1 risk-based capital ratio | 11.9199% | 5,980 |
| Total risk-based capital ratio | 13.4047% | 5,806 |
| Memoranda: | ||
| Average total assets | $4,843,661,000 | 177 |
| Average earning assets | $4,261,356,330 | 179 |
| Average equity | $739,742,670 | 150 |
| Average total loans | $3,389,702,670 | 166 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 4,508 |
| Cost of funding earning assets | 0.5503% | 5,497 |
| Net interest margin | 3.8028% | 3,381 |
| Noninterest income to average assets | 0.4105% | 4,591 |
| Noninterest expense to average assets | 2.5004% | 5,149 |
| Loan and lease loss provision to assets | 0.0860% | 4,305 |
| Net operating income to assets | 0.7582% | 3,582 |
| Return on assets (ROA) | 0.7643% | 3,784 |
| Pretax return on assets | 1.1726% | 3,019 |
| Return on Equity (ROE) | 4.9507% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.9507% | 3,586 |
| Net charge-offs to loans | 0.4342% | 2,010 |
| Credit loss provision to net charge-offs | 28.4848% | 3,648 |
| Earnings coverage of net charge-offs (x) | 4.1377% | 2,653 |
| Efficiency ratio | 65.1644% | 4,702 |
| Assets per employee ($millions) | 6.4153% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 2,046 |
| Loan loss allowance to noncurrent loans | 163.4471% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 3,409 |
| Noncurrent loans to loans | 1.2992% | 4,174 |
| Net loans and leases to total assets | 68.9303% | 1,954 |
| Net loans and leases to deposits | 90.6583% | 907 |
| Net loans and leases to core deposits | 96.2544% | 1,282 |
| Total domestic deposits to total assets | 76.0330% | 6,539 |
| Equity capital to assets | 15.6459% | 630 |
| Core capital (leverage) ratio | 10.5911% | 2,654 |
| Tier 1 risk-based capital ratio | 12.6426% | 5,488 |
| Total risk-based capital ratio | 14.1366% | 5,271 |
| Memoranda: | ||
| Average total assets | $4,809,860,500 | 176 |
| Average earning assets | $4,223,153,500 | 176 |
| Average equity | $742,602,000 | 149 |
| Average total loans | $3,344,062,000 | 165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 5,252 |
| Cost of funding earning assets | 0.8336% | 4,603 |
| Net interest margin | 3.6149% | 4,673 |
| Noninterest income to average assets | 0.3740% | 4,835 |
| Noninterest expense to average assets | 2.4087% | 5,750 |
| Loan and lease loss provision to assets | 0.4498% | 2,357 |
| Net operating income to assets | 0.8399% | 2,875 |
| Return on assets (ROA) | 0.8594% | 2,923 |
| Pretax return on assets | 0.7032% | 4,316 |
| Return on Equity (ROE) | 5.8705% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.8705% | 2,093 |
| Net charge-offs to loans | 0.9343% | 1,862 |
| Credit loss provision to net charge-offs | 71.7087% | 4,786 |
| Earnings coverage of net charge-offs (x) | 1.8071% | 4,432 |
| Efficiency ratio | 66.3333% | 4,699 |
| Assets per employee ($millions) | 6.4883% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2237% | 1,756 |
| Loan loss allowance to noncurrent loans | 151.8588% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 1.8245% | 3,223 |
| Noncurrent loans to loans | 1.4643% | 3,961 |
| Net loans and leases to total assets | 67.1119% | 2,562 |
| Net loans and leases to deposits | 88.1417% | 1,362 |
| Net loans and leases to core deposits | 93.4768% | 1,753 |
| Total domestic deposits to total assets | 76.1410% | 6,466 |
| Equity capital to assets | 15.2356% | 731 |
| Core capital (leverage) ratio | 10.2929% | 2,983 |
| Tier 1 risk-based capital ratio | 12.5082% | 5,441 |
| Total risk-based capital ratio | 14.0059% | 5,247 |
| Memoranda: | ||
| Average total assets | $4,846,482,800 | 173 |
| Average earning assets | $4,247,499,200 | 174 |
| Average equity | $709,526,400 | 151 |
| Average total loans | $3,253,560,000 | 171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 5,342 |
| Cost of funding earning assets | 0.9011% | 4,388 |
| Net interest margin | 3.5693% | 4,904 |
| Noninterest income to average assets | 0.3666% | 4,938 |
| Noninterest expense to average assets | 2.4244% | 5,703 |
| Loan and lease loss provision to assets | 0.4501% | 2,217 |
| Net operating income to assets | 0.8127% | 3,089 |
| Return on assets (ROA) | 0.8352% | 3,161 |
| Pretax return on assets | 0.6422% | 4,677 |
| Return on Equity (ROE) | 5.7638% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.7638% | 2,697 |
| Net charge-offs to loans | 0.9917% | 1,623 |
| Credit loss provision to net charge-offs | 67.9840% | 4,544 |
| Earnings coverage of net charge-offs (x) | 1.6158% | 4,435 |
| Efficiency ratio | 67.6958% | 4,378 |
| Assets per employee ($millions) | 6.5550% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2932% | 1,698 |
| Loan loss allowance to noncurrent loans | 132.3955% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 2.1039% | 3,028 |
| Noncurrent loans to loans | 1.7321% | 3,724 |
| Net loans and leases to total assets | 65.7661% | 2,955 |
| Net loans and leases to deposits | 84.5172% | 1,917 |
| Net loans and leases to core deposits | 92.3942% | 1,950 |
| Total domestic deposits to total assets | 77.8139% | 6,223 |
| Equity capital to assets | 14.9536% | 861 |
| Core capital (leverage) ratio | 10.1804% | 3,213 |
| Tier 1 risk-based capital ratio | 12.3147% | 5,653 |
| Total risk-based capital ratio | 13.8148% | 5,428 |
| Memoranda: | ||
| Average total assets | $4,846,419,500 | 173 |
| Average earning assets | $4,246,456,250 | 173 |
| Average equity | $702,300,750 | 154 |
| Average total loans | $3,235,271,500 | 174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 5,440 |
| Cost of funding earning assets | 0.9689% | 4,180 |
| Net interest margin | 3.5036% | 5,151 |
| Noninterest income to average assets | 0.3796% | 4,848 |
| Noninterest expense to average assets | 2.4190% | 5,787 |
| Loan and lease loss provision to assets | 0.5253% | 1,864 |
| Net operating income to assets | 0.4940% | 4,528 |
| Return on assets (ROA) | 0.5119% | 4,587 |
| Pretax return on assets | 0.5238% | 4,986 |
| Return on Equity (ROE) | 3.5703% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.5703% | 3,962 |
| Net charge-offs to loans | 1.1366% | 1,377 |
| Credit loss provision to net charge-offs | 69.4272% | 4,071 |
| Earnings coverage of net charge-offs (x) | 1.3623% | 4,261 |
| Efficiency ratio | 68.4069% | 4,438 |
| Assets per employee ($millions) | 6.2781% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3895% | 1,610 |
| Loan loss allowance to noncurrent loans | 127.0044% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 2.3436% | 2,813 |
| Noncurrent loans to loans | 1.8814% | 3,636 |
| Net loans and leases to total assets | 65.2127% | 3,205 |
| Net loans and leases to deposits | 82.2406% | 2,416 |
| Net loans and leases to core deposits | 89.3380% | 2,459 |
| Total domestic deposits to total assets | 79.2951% | 6,010 |
| Equity capital to assets | 14.6993% | 892 |
| Core capital (leverage) ratio | 9.6948% | 3,664 |
| Tier 1 risk-based capital ratio | 12.0082% | 5,781 |
| Total risk-based capital ratio | 13.5945% | 5,459 |
| Memoranda: | ||
| Average total assets | $4,845,005,000 | 176 |
| Average earning assets | $4,245,694,000 | 176 |
| Average equity | $694,618,000 | 156 |
| Average total loans | $3,225,374,330 | 173 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 5,582 |
| Cost of funding earning assets | 1.0246% | 4,032 |
| Net interest margin | 3.4066% | 5,405 |
| Noninterest income to average assets | 0.3358% | 5,223 |
| Noninterest expense to average assets | 2.4062% | 5,866 |
| Loan and lease loss provision to assets | 0.5056% | 1,720 |
| Net operating income to assets | 0.4476% | 4,728 |
| Return on assets (ROA) | 0.4345% | 4,866 |
| Pretax return on assets | 0.3987% | 5,349 |
| Return on Equity (ROE) | 3.0694% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.0694% | 4,323 |
| Net charge-offs to loans | 1.2054% | 1,156 |
| Credit loss provision to net charge-offs | 63.1195% | 3,490 |
| Earnings coverage of net charge-offs (x) | 1.1453% | 3,804 |
| Efficiency ratio | 70.6225% | 4,129 |
| Assets per employee ($millions) | 6.1043% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4483% | 1,535 |
| Loan loss allowance to noncurrent loans | 101.8950% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 2.7757% | 2,486 |
| Noncurrent loans to loans | 2.4028% | 3,085 |
| Net loans and leases to total assets | 65.4278% | 3,147 |
| Net loans and leases to deposits | 82.9697% | 2,190 |
| Net loans and leases to core deposits | 90.6855% | 2,278 |
| Total domestic deposits to total assets | 78.8574% | 6,225 |
| Equity capital to assets | 14.3455% | 921 |
| Core capital (leverage) ratio | 9.4336% | 3,910 |
| Tier 1 risk-based capital ratio | 11.7455% | 5,899 |
| Total risk-based capital ratio | 13.3307% | 5,610 |
| Memoranda: | ||
| Average total assets | $4,856,709,000 | 175 |
| Average earning assets | $4,259,617,000 | 175 |
| Average equity | $687,557,500 | 155 |
| Average total loans | $3,227,428,500 | 172 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 6,036 |
| Cost of funding earning assets | 1.2913% | 3,936 |
| Net interest margin | 3.3341% | 5,858 |
| Noninterest income to average assets | 0.1397% | 6,692 |
| Noninterest expense to average assets | 2.3347% | 6,256 |
| Loan and lease loss provision to assets | 1.0753% | 1,493 |
| Net operating income to assets | -0.4692% | 6,364 |
| Return on assets (ROA) | -0.4166% | 6,359 |
| Pretax return on assets | -0.2844% | 6,150 |
| Return on Equity (ROE) | -3.0288% | 6,278 |
| Retained earnings to average equity (ytd only) | -3.0288% | 6,101 |
| Net charge-offs to loans | 1.8635% | 1,112 |
| Credit loss provision to net charge-offs | 85.1234% | 5,337 |
| Earnings coverage of net charge-offs (x) | 0.5845% | 5,523 |
| Efficiency ratio | 74.0308% | 3,389 |
| Assets per employee ($millions) | 6.3761% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5576% | 1,335 |
| Loan loss allowance to noncurrent loans | 101.9432% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 2.8677% | 2,440 |
| Noncurrent loans to loans | 2.5088% | 3,019 |
| Net loans and leases to total assets | 64.1637% | 3,838 |
| Net loans and leases to deposits | 80.7314% | 3,041 |
| Net loans and leases to core deposits | 89.3550% | 2,848 |
| Total domestic deposits to total assets | 79.4780% | 5,976 |
| Equity capital to assets | 13.9718% | 1,046 |
| Core capital (leverage) ratio | 9.1928% | 4,179 |
| Tier 1 risk-based capital ratio | 11.8195% | 5,639 |
| Total risk-based capital ratio | 13.4128% | 5,304 |
| Memoranda: | ||
| Average total assets | $4,993,375,800 | 170 |
| Average earning assets | $4,393,119,800 | 169 |
| Average equity | $686,877,400 | 151 |
| Average total loans | $3,385,012,000 | 170 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 6,169 |
| Cost of funding earning assets | 1.3289% | 4,041 |
| Net interest margin | 3.3266% | 5,937 |
| Noninterest income to average assets | 0.1272% | 6,919 |
| Noninterest expense to average assets | 2.3250% | 6,250 |
| Loan and lease loss provision to assets | 1.2898% | 1,084 |
| Net operating income to assets | -0.7456% | 6,763 |
| Return on assets (ROA) | -0.6756% | 6,764 |
| Pretax return on assets | -0.4898% | 6,545 |
| Return on Equity (ROE) | -4.9301% | 6,646 |
| Retained earnings to average equity (ytd only) | -4.9301% | 6,553 |
| Net charge-offs to loans | 2.1780% | 840 |
| Credit loss provision to net charge-offs | 86.7538% | 4,894 |
| Earnings coverage of net charge-offs (x) | 0.4910% | 5,533 |
| Efficiency ratio | 74.1588% | 3,300 |
| Assets per employee ($millions) | 6.3439% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5827% | 1,234 |
| Loan loss allowance to noncurrent loans | 79.1919% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 3.1380% | 2,298 |
| Noncurrent loans to loans | 3.2613% | 2,428 |
| Net loans and leases to total assets | 64.3681% | 4,051 |
| Net loans and leases to deposits | 81.9981% | 3,106 |
| Net loans and leases to core deposits | 94.7535% | 2,414 |
| Total domestic deposits to total assets | 78.4995% | 6,144 |
| Equity capital to assets | 14.0114% | 1,162 |
| Core capital (leverage) ratio | 8.9464% | 4,769 |
| Tier 1 risk-based capital ratio | 11.5307% | 5,900 |
| Total risk-based capital ratio | 13.1201% | 5,548 |
| Memoranda: | ||
| Average total assets | $5,015,921,750 | 169 |
| Average earning assets | $4,414,616,500 | 166 |
| Average equity | $687,330,750 | 147 |
| Average total loans | $3,424,103,500 | 161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 6,256 |
| Cost of funding earning assets | 1.3529% | 4,177 |
| Net interest margin | 3.3130% | 5,971 |
| Noninterest income to average assets | 0.1538% | 6,786 |
| Noninterest expense to average assets | 2.3190% | 6,305 |
| Loan and lease loss provision to assets | 1.7368% | 722 |
| Net operating income to assets | -1.2314% | 7,044 |
| Return on assets (ROA) | -1.1268% | 7,015 |
| Pretax return on assets | -0.8781% | 6,831 |
| Return on Equity (ROE) | -8.2842% | 6,905 |
| Retained earnings to average equity (ytd only) | -8.2842% | 6,833 |
| Net charge-offs to loans | 2.7970% | 585 |
| Credit loss provision to net charge-offs | 90.0138% | 4,423 |
| Earnings coverage of net charge-offs (x) | 0.3908% | 5,347 |
| Efficiency ratio | 73.5340% | 3,555 |
| Assets per employee ($millions) | 6.2198% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5958% | 1,197 |
| Loan loss allowance to noncurrent loans | 71.7243% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 3.3138% | 2,129 |
| Noncurrent loans to loans | 3.6191% | 2,177 |
| Net loans and leases to total assets | 66.0200% | 3,824 |
| Net loans and leases to deposits | 83.3914% | 2,994 |
| Net loans and leases to core deposits | 101.0074% | 1,917 |
| Total domestic deposits to total assets | 79.1689% | 5,990 |
| Equity capital to assets | 13.9313% | 1,187 |
| Core capital (leverage) ratio | 8.8909% | 4,763 |
| Tier 1 risk-based capital ratio | 11.2560% | 5,989 |
| Total risk-based capital ratio | 12.9208% | 5,572 |
| Memoranda: | ||
| Average total assets | $5,036,366,000 | 168 |
| Average earning assets | $4,437,886,670 | 167 |
| Average equity | $685,039,330 | 148 |
| Average total loans | $3,474,229,000 | 154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 6,243 |
| Cost of funding earning assets | 1.3809% | 4,301 |
| Net interest margin | 3.3188% | 5,903 |
| Noninterest income to average assets | 0.5674% | 3,506 |
| Noninterest expense to average assets | 2.7078% | 4,873 |
| Loan and lease loss provision to assets | 1.0416% | 1,185 |
| Net operating income to assets | -0.2173% | 6,564 |
| Return on assets (ROA) | -0.1926% | 6,610 |
| Pretax return on assets | -0.2252% | 6,577 |
| Return on Equity (ROE) | -1.4326% | 6,571 |
| Retained earnings to average equity (ytd only) | -1.4326% | 6,112 |
| Net charge-offs to loans | 1.7120% | 1,011 |
| Credit loss provision to net charge-offs | 87.4562% | 3,713 |
| Earnings coverage of net charge-offs (x) | 0.6614% | 4,436 |
| Efficiency ratio | 75.7846% | 3,255 |
| Assets per employee ($millions) | 6.3886% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5797% | 1,205 |
| Loan loss allowance to noncurrent loans | 68.3448% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 3.1162% | 2,293 |
| Noncurrent loans to loans | 3.7746% | 2,100 |
| Net loans and leases to total assets | 67.7309% | 3,456 |
| Net loans and leases to deposits | 86.3946% | 2,515 |
| Net loans and leases to core deposits | 111.0968% | 1,215 |
| Total domestic deposits to total assets | 78.3971% | 6,225 |
| Equity capital to assets | 13.5957% | 1,286 |
| Core capital (leverage) ratio | 8.6416% | 5,132 |
| Tier 1 risk-based capital ratio | 10.8879% | 6,259 |
| Total risk-based capital ratio | 12.5390% | 5,834 |
| Memoranda: | ||
| Average total assets | $5,079,081,000 | 170 |
| Average earning assets | $4,481,120,500 | 168 |
| Average equity | $682,693,500 | 147 |
| Average total loans | $3,533,485,000 | 154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 7,235 |
| Cost of funding earning assets | 1.6146% | 4,970 |
| Net interest margin | 3.0166% | 6,604 |
| Noninterest income to average assets | 0.5183% | 4,274 |
| Noninterest expense to average assets | 2.1563% | 7,074 |
| Loan and lease loss provision to assets | 2.3385% | 869 |
| Net operating income to assets | -0.7128% | 6,379 |
| Return on assets (ROA) | -0.6397% | 6,304 |
| Pretax return on assets | -1.1801% | 6,528 |
| Return on Equity (ROE) | -4.8968% | 6,203 |
| Retained earnings to average equity (ytd only) | -6.1560% | 6,162 |
| Net charge-offs to loans | 1.7361% | 1,443 |
| Credit loss provision to net charge-offs | 190.5227% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.8505% | 5,259 |
| Efficiency ratio | 65.3857% | 5,520 |
| Assets per employee ($millions) | 6.6109% | 937 |
| Cash dividends to net income (ytd only)* | -25.7130% | 7,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5717% | 1,146 |
| Loan loss allowance to noncurrent loans | 73.6320% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 3.0076% | 2,330 |
| Noncurrent loans to loans | 3.4926% | 2,174 |
| Net loans and leases to total assets | 67.8231% | 3,740 |
| Net loans and leases to deposits | 88.7895% | 2,427 |
| Net loans and leases to core deposits | 128.9390% | 1,335 |
| Total domestic deposits to total assets | 76.3864% | 6,606 |
| Equity capital to assets | 13.2903% | 1,398 |
| Core capital (leverage) ratio | 8.6537% | 5,009 |
| Tier 1 risk-based capital ratio | 10.6556% | 6,247 |
| Total risk-based capital ratio | 12.2964% | 5,842 |
| Memoranda: | ||
| Average total assets | $4,992,757,600 | 172 |
| Average earning assets | $4,438,715,400 | 171 |
| Average equity | $652,277,000 | 152 |
| Average total loans | $3,530,024,800 | 163 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 7,429 |
| Cost of funding earning assets | 1.6779% | 5,018 |
| Net interest margin | 2.9072% | 6,844 |
| Noninterest income to average assets | 0.6256% | 3,523 |
| Noninterest expense to average assets | 2.1143% | 7,165 |
| Loan and lease loss provision to assets | 2.7185% | 583 |
| Net operating income to assets | -0.9138% | 6,771 |
| Return on assets (ROA) | -0.8111% | 6,700 |
| Pretax return on assets | -1.4561% | 6,939 |
| Return on Equity (ROE) | -6.2364% | 6,581 |
| Retained earnings to average equity (ytd only) | -7.6893% | 6,563 |
| Net charge-offs to loans | 2.0677% | 942 |
| Credit loss provision to net charge-offs | 185.2108% | 2,458 |
| Earnings coverage of net charge-offs (x) | 0.7505% | 5,293 |
| Efficiency ratio | 63.7280% | 5,806 |
| Assets per employee ($millions) | 6.6467% | 925 |
| Cash dividends to net income (ytd only)* | -23.2971% | 7,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2903% | 1,308 |
| Loan loss allowance to noncurrent loans | 68.1339% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.8319% | 2,456 |
| Noncurrent loans to loans | 3.3614% | 2,249 |
| Net loans and leases to total assets | 69.3530% | 3,646 |
| Net loans and leases to deposits | 90.2945% | 2,518 |
| Net loans and leases to core deposits | 149.9914% | 577 |
| Total domestic deposits to total assets | 76.8076% | 6,391 |
| Equity capital to assets | 13.4833% | 1,507 |
| Core capital (leverage) ratio | 8.8413% | 4,907 |
| Tier 1 risk-based capital ratio | 10.5214% | 6,445 |
| Total risk-based capital ratio | 12.1530% | 6,008 |
| Memoranda: | ||
| Average total assets | $4,956,774,000 | 179 |
| Average earning assets | $4,416,434,500 | 178 |
| Average equity | $644,676,000 | 156 |
| Average total loans | $3,518,575,250 | 171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 7,588 |
| Cost of funding earning assets | 1.7550% | 4,977 |
| Net interest margin | 2.7920% | 7,029 |
| Noninterest income to average assets | 0.6544% | 3,312 |
| Noninterest expense to average assets | 2.1501% | 7,170 |
| Loan and lease loss provision to assets | 3.2167% | 454 |
| Net operating income to assets | -1.2859% | 7,153 |
| Return on assets (ROA) | -1.1238% | 7,073 |
| Pretax return on assets | -1.9694% | 7,279 |
| Return on Equity (ROE) | -8.7520% | 6,950 |
| Retained earnings to average equity (ytd only) | -9.4978% | 6,815 |
| Net charge-offs to loans | 2.8326% | 579 |
| Credit loss provision to net charge-offs | 159.9749% | 2,873 |
| Earnings coverage of net charge-offs (x) | 0.4941% | 5,208 |
| Efficiency ratio | 66.2760% | 5,505 |
| Assets per employee ($millions) | 6.7476% | 867 |
| Cash dividends to net income (ytd only)* | -8.5222% | 7,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 1,912 |
| Loan loss allowance to noncurrent loans | 65.8590% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.3675% | 2,740 |
| Noncurrent loans to loans | 2.8086% | 2,562 |
| Net loans and leases to total assets | 69.6518% | 3,782 |
| Net loans and leases to deposits | 89.4111% | 2,914 |
| Net loans and leases to core deposits | 153.4517% | 575 |
| Total domestic deposits to total assets | 77.9006% | 6,101 |
| Equity capital to assets | 12.3246% | 2,016 |
| Core capital (leverage) ratio | 7.6706% | 6,799 |
| Tier 1 risk-based capital ratio | 9.2453% | 7,572 |
| Total risk-based capital ratio | 10.8813% | 7,243 |
| Memoranda: | ||
| Average total assets | $4,907,477,000 | 190 |
| Average earning assets | $4,375,332,670 | 187 |
| Average equity | $630,142,670 | 162 |
| Average total loans | $3,483,693,330 | 182 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 7,631 |
| Cost of funding earning assets | 1.8360% | 4,936 |
| Net interest margin | 2.7482% | 7,095 |
| Noninterest income to average assets | 0.6980% | 2,899 |
| Noninterest expense to average assets | 2.0006% | 7,350 |
| Loan and lease loss provision to assets | 1.1238% | 1,160 |
| Net operating income to assets | 0.0174% | 6,214 |
| Return on assets (ROA) | 0.3153% | 5,414 |
| Pretax return on assets | 0.3820% | 5,450 |
| Return on Equity (ROE) | 2.4050% | 5,623 |
| Retained earnings to average equity (ytd only) | 0.9247% | 5,280 |
| Net charge-offs to loans | 0.5536% | 2,078 |
| Credit loss provision to net charge-offs | 285.9244% | 1,684 |
| Earnings coverage of net charge-offs (x) | 2.9181% | 3,337 |
| Efficiency ratio | 61.5703% | 6,136 |
| Assets per employee ($millions) | 6.7162% | 872 |
| Cash dividends to net income (ytd only)* | 61.5506% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,102 |
| Loan loss allowance to noncurrent loans | 120.1442% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 4,340 |
| Noncurrent loans to loans | 1.0785% | 4,823 |
| Net loans and leases to total assets | 69.8606% | 3,701 |
| Net loans and leases to deposits | 89.8900% | 2,949 |
| Net loans and leases to core deposits | 161.0991% | 477 |
| Total domestic deposits to total assets | 77.7178% | 6,101 |
| Equity capital to assets | 12.8778% | 1,795 |
| Core capital (leverage) ratio | 8.1423% | 6,200 |
| Tier 1 risk-based capital ratio | 9.8219% | 7,116 |
| Total risk-based capital ratio | 11.4030% | 6,667 |
| Memoranda: | ||
| Average total assets | $4,844,367,000 | 192 |
| Average earning assets | $4,317,941,000 | 190 |
| Average equity | $635,022,500 | 156 |
| Average total loans | $3,439,472,000 | 185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7861% | 6,479 |
| Cost of funding earning assets | 2.4308% | 4,568 |
| Net interest margin | 3.3554% | 5,847 |
| Noninterest income to average assets | 0.8458% | 2,254 |
| Noninterest expense to average assets | 2.2732% | 6,779 |
| Loan and lease loss provision to assets | 0.2781% | 4,167 |
| Net operating income to assets | 0.8693% | 3,133 |
| Return on assets (ROA) | 0.8693% | 2,984 |
| Pretax return on assets | 1.2549% | 2,462 |
| Return on Equity (ROE) | 6.4481% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.5239% | 1,756 |
| Net charge-offs to loans | 0.1083% | 5,200 |
| Credit loss provision to net charge-offs | 350.2186% | 1,290 |
| Earnings coverage of net charge-offs (x) | 19.3073% | 1,638 |
| Efficiency ratio | 57.7041% | 6,751 |
| Assets per employee ($millions) | 6.6003% | 850 |
| Cash dividends to net income (ytd only)* | 14.3334% | 4,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,420 |
| Loan loss allowance to noncurrent loans | 294.9871% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 5,280 |
| Noncurrent loans to loans | 0.3659% | 6,272 |
| Net loans and leases to total assets | 70.4616% | 3,911 |
| Net loans and leases to deposits | 92.4096% | 3,067 |
| Net loans and leases to core deposits | 149.3949% | 874 |
| Total domestic deposits to total assets | 76.2492% | 6,181 |
| Equity capital to assets | 13.3487% | 1,652 |
| Core capital (leverage) ratio | 8.7456% | 5,120 |
| Tier 1 risk-based capital ratio | 10.1470% | 6,579 |
| Total risk-based capital ratio | 11.5481% | 6,296 |
| Memoranda: | ||
| Average total assets | $4,032,800,200 | 208 |
| Average earning assets | $3,558,155,600 | 212 |
| Average equity | $543,695,000 | 174 |
| Average total loans | $2,956,943,000 | 200 |