Home > Popular Bank > Performance and Condition Ratios
Popular 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 | 5.4247% | 1,268 |
| Cost of funding earning assets | 2.3939% | 468 |
| Net interest margin | 3.0308% | 3,222 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.2803% | 2,904 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.4428% | 3,780 |
| Return on assets (ROA) | 0.4482% | 3,774 |
| Pretax return on assets | 0.5929% | 3,643 |
| Return on Equity (ROE) | 2.8900% | 4,040 |
| Retained earnings to average equity (ytd only) | 2.8882% | 3,315 |
| Net charge-offs to loans | 0.1882% | 570 |
| Credit loss provision to net charge-offs | 35.7791% | 2,258 |
| Earnings coverage of net charge-offs (x) | 4.7107% | 2,571 |
| Efficiency ratio | 69.9935% | 1,877 |
| Assets per employee ($millions) | 17.0935% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 3,863 |
| Loan loss allowance to noncurrent loans | 308.5868% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 2,168 |
| Noncurrent loans to loans | 0.2748% | 2,198 |
| Net loans and leases to total assets | 75.7700% | 1,148 |
| Net loans and leases to deposits | 92.8480% | 1,023 |
| Net loans and leases to core deposits | 116.6048% | 730 |
| Total domestic deposits to total assets | 81.6000% | 3,201 |
| Equity capital to assets | 14.2320% | 641 |
| Core capital (leverage) ratio | 11.2299% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3846% | 1,725 |
| Memoranda: | ||
| Average total assets | $12,573,136,800 | 138 |
| Average earning assets | $11,569,272,600 | 136 |
| Average equity | $1,950,948,600 | 99 |
| Average total loans | $9,958,831,000 | 126 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3765% | 1,167 |
| Cost of funding earning assets | 2.2375% | 464 |
| Net interest margin | 3.1389% | 3,053 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.3110% | 2,755 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5556% | 3,652 |
| Return on assets (ROA) | 0.5576% | 3,632 |
| Pretax return on assets | 0.7335% | 3,482 |
| Return on Equity (ROE) | 3.5100% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.5114% | 3,380 |
| Net charge-offs to loans | 0.1863% | 471 |
| Credit loss provision to net charge-offs | -9.3237% | 4,471 |
| Earnings coverage of net charge-offs (x) | 5.1487% | 2,360 |
| Efficiency ratio | 66.6218% | 2,203 |
| Assets per employee ($millions) | 16.0880% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 3,893 |
| Loan loss allowance to noncurrent loans | 311.7331% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 2,172 |
| Noncurrent loans to loans | 0.2704% | 2,271 |
| Net loans and leases to total assets | 79.5000% | 704 |
| Net loans and leases to deposits | 98.8143% | 566 |
| Net loans and leases to core deposits | 126.4486% | 406 |
| Total domestic deposits to total assets | 80.4500% | 3,464 |
| Equity capital to assets | 15.0966% | 530 |
| Core capital (leverage) ratio | 11.6208% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8383% | 1,613 |
| Memoranda: | ||
| Average total assets | $12,263,541,000 | 141 |
| Average earning assets | $11,257,515,000 | 140 |
| Average equity | $1,947,271,500 | 101 |
| Average total loans | $9,810,026,250 | 128 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2578% | 1,135 |
| Cost of funding earning assets | 2.0497% | 444 |
| Net interest margin | 3.2082% | 2,968 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.1334% | 3,258 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.6602% | 3,433 |
| Return on assets (ROA) | 0.6666% | 3,421 |
| Pretax return on assets | 0.8458% | 3,288 |
| Return on Equity (ROE) | 4.1300% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.1265% | 3,186 |
| Net charge-offs to loans | 0.1378% | 548 |
| Credit loss provision to net charge-offs | 138.6651% | 1,245 |
| Earnings coverage of net charge-offs (x) | 9.1072% | 2,033 |
| Efficiency ratio | 67.6975% | 2,014 |
| Assets per employee ($millions) | 16.3369% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,187 |
| Loan loss allowance to noncurrent loans | 313.2158% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 1,870 |
| Noncurrent loans to loans | 0.3353% | 1,929 |
| Net loans and leases to total assets | 78.1600% | 817 |
| Net loans and leases to deposits | 97.8931% | 616 |
| Net loans and leases to core deposits | 126.6230% | 376 |
| Total domestic deposits to total assets | 79.8400% | 3,602 |
| Equity capital to assets | 15.4392% | 484 |
| Core capital (leverage) ratio | 11.6788% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2346% | 1,504 |
| Memoranda: | ||
| Average total assets | $12,082,699,000 | 141 |
| Average earning assets | $11,070,939,667 | 139 |
| Average equity | $1,951,936,667 | 97 |
| Average total loans | $9,657,787,333 | 124 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 1,079 |
| Cost of funding earning assets | 1.7824% | 466 |
| Net interest margin | 3.3256% | 2,812 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.2109% | 3,073 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8383% | 3,058 |
| Return on assets (ROA) | 0.8434% | 2,996 |
| Pretax return on assets | 0.9776% | 3,062 |
| Return on Equity (ROE) | 5.1000% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.1013% | 3,003 |
| Net charge-offs to loans | 0.0566% | 804 |
| Credit loss provision to net charge-offs | 144.0326% | 967 |
| Earnings coverage of net charge-offs (x) | 22.8718% | 1,415 |
| Efficiency ratio | 67.6561% | 2,016 |
| Assets per employee ($millions) | 16.3021% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,198 |
| Loan loss allowance to noncurrent loans | 307.4211% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 1,759 |
| Noncurrent loans to loans | 0.3485% | 1,894 |
| Net loans and leases to total assets | 77.6400% | 806 |
| Net loans and leases to deposits | 98.0375% | 535 |
| Net loans and leases to core deposits | 124.0653% | 362 |
| Total domestic deposits to total assets | 79.2000% | 3,878 |
| Equity capital to assets | 16.2883% | 380 |
| Core capital (leverage) ratio | 12.7426% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9651% | 1,376 |
| Memoranda: | ||
| Average total assets | $11,850,661,500 | 146 |
| Average earning assets | $10,835,533,000 | 143 |
| Average equity | $1,959,345,500 | 99 |
| Average total loans | $9,531,362,000 | 128 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 771 |
| Cost of funding earning assets | 0.6978% | 585 |
| Net interest margin | 3.7686% | 1,228 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2718% | 2,830 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.5767% | 725 |
| Return on assets (ROA) | 1.5636% | 717 |
| Pretax return on assets | 1.3322% | 1,989 |
| Return on Equity (ROE) | 9.0600% | 3,119 |
| Retained earnings to average equity (ytd only) | 9.0646% | 1,461 |
| Net charge-offs to loans | 0.1144% | 657 |
| Credit loss provision to net charge-offs | 134.7992% | 1,372 |
| Earnings coverage of net charge-offs (x) | 15.5713% | 2,000 |
| Efficiency ratio | 58.3387% | 3,290 |
| Assets per employee ($millions) | 15.9178% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 2,900 |
| Loan loss allowance to noncurrent loans | 278.7202% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 1,538 |
| Noncurrent loans to loans | 0.3944% | 1,735 |
| Net loans and leases to total assets | 81.5700% | 447 |
| Net loans and leases to deposits | 108.7690% | 182 |
| Net loans and leases to core deposits | 125.3043% | 286 |
| Total domestic deposits to total assets | 74.9900% | 4,315 |
| Equity capital to assets | 16.7914% | 346 |
| Core capital (leverage) ratio | 13.0756% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5928% | 1,453 |
| Memoranda: | ||
| Average total assets | $10,891,830,800 | 155 |
| Average earning assets | $9,897,366,200 | 151 |
| Average equity | $1,878,790,200 | 106 |
| Average total loans | $8,921,231,200 | 134 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 741 |
| Cost of funding earning assets | 0.4818% | 834 |
| Net interest margin | 3.8171% | 926 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.2627% | 2,739 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0154% | 2,423 |
| Return on assets (ROA) | 0.9998% | 2,446 |
| Pretax return on assets | 1.4214% | 1,655 |
| Return on Equity (ROE) | 5.7500% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.7548% | 2,835 |
| Net charge-offs to loans | -0.0174% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.1098% | 3,615 |
| Assets per employee ($millions) | 15.6848% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,453 |
| Loan loss allowance to noncurrent loans | 257.2782% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 1,370 |
| Noncurrent loans to loans | 0.4721% | 1,621 |
| Net loans and leases to total assets | 82.1500% | 370 |
| Net loans and leases to deposits | 108.0986% | 151 |
| Net loans and leases to core deposits | 130.1640% | 148 |
| Total domestic deposits to total assets | 76.0000% | 4,366 |
| Equity capital to assets | 16.5953% | 343 |
| Core capital (leverage) ratio | 13.0760% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9952% | 1,431 |
| Memoranda: | ||
| Average total assets | $10,725,716,000 | 155 |
| Average earning assets | $9,739,132,750 | 153 |
| Average equity | $1,863,370,750 | 108 |
| Average total loans | $8,768,823,250 | 135 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 708 |
| Cost of funding earning assets | 0.3972% | 936 |
| Net interest margin | 3.7464% | 841 |
| Noninterest income to average assets | 0.2304% | 3,807 |
| Noninterest expense to average assets | 2.1491% | 3,003 |
| Loan and lease loss provision to assets | -0.0270% | 4,453 |
| Net operating income to assets | 1.0592% | 1,938 |
| Return on assets (ROA) | 1.0401% | 1,992 |
| Pretax return on assets | 1.4795% | 1,227 |
| Return on Equity (ROE) | 5.8946% | 3,598 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,366 |
| Net charge-offs to loans | -0.0227% | 3,928 |
| Credit loss provision to net charge-offs | 103.1665% | 1,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8980% | 3,447 |
| Assets per employee ($millions) | 15.7269% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,996 |
| Loan loss allowance to noncurrent loans | 302.4061% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,706 |
| Noncurrent loans to loans | 0.3764% | 2,013 |
| Net loans and leases to total assets | 81.2203% | 330 |
| Net loans and leases to deposits | 103.6459% | 177 |
| Net loans and leases to core deposits | 122.3947% | 175 |
| Total domestic deposits to total assets | 78.3633% | 4,335 |
| Equity capital to assets | 17.1101% | 273 |
| Core capital (leverage) ratio | 12.9608% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9541% | 1,443 |
| Memoranda: | ||
| Average total assets | $10,599,339,000 | 151 |
| Average earning assets | $9,606,614,000 | 152 |
| Average equity | $1,870,200,000 | 110 |
| Average total loans | $8,613,462,000 | 135 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 725 |
| Cost of funding earning assets | 0.3816% | 979 |
| Net interest margin | 3.6495% | 820 |
| Noninterest income to average assets | 0.2442% | 3,678 |
| Noninterest expense to average assets | 2.1325% | 3,037 |
| Loan and lease loss provision to assets | -0.0770% | 4,563 |
| Net operating income to assets | 1.0429% | 1,714 |
| Return on assets (ROA) | 1.0308% | 1,748 |
| Pretax return on assets | 1.4729% | 1,069 |
| Return on Equity (ROE) | 5.7524% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.7524% | 2,334 |
| Net charge-offs to loans | -0.0812% | 4,404 |
| Credit loss provision to net charge-offs | 101.3364% | 1,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7402% | 3,512 |
| Assets per employee ($millions) | 15.5574% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,963 |
| Loan loss allowance to noncurrent loans | 302.4572% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,792 |
| Noncurrent loans to loans | 0.3901% | 2,089 |
| Net loans and leases to total assets | 80.1089% | 235 |
| Net loans and leases to deposits | 104.1168% | 114 |
| Net loans and leases to core deposits | 121.2016% | 142 |
| Total domestic deposits to total assets | 76.9413% | 4,464 |
| Equity capital to assets | 17.4437% | 252 |
| Core capital (leverage) ratio | 12.7315% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0836% | 1,492 |
| Memoranda: | ||
| Average total assets | $10,488,966,000 | 152 |
| Average earning assets | $9,483,028,000 | 154 |
| Average equity | $1,879,634,000 | 112 |
| Average total loans | $8,475,553,500 | 138 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 1,639 |
| Cost of funding earning assets | 0.4670% | 1,083 |
| Net interest margin | 3.4241% | 1,950 |
| Noninterest income to average assets | 0.2340% | 3,978 |
| Noninterest expense to average assets | 2.0501% | 3,534 |
| Loan and lease loss provision to assets | -0.5498% | 4,816 |
| Net operating income to assets | 1.2919% | 1,619 |
| Return on assets (ROA) | 1.2956% | 1,663 |
| Pretax return on assets | 1.8419% | 835 |
| Return on Equity (ROE) | 7.1942% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.1942% | 1,845 |
| Net charge-offs to loans | 0.0122% | 2,106 |
| Credit loss provision to net charge-offs | -5,600.6186% | 4,181 |
| Earnings coverage of net charge-offs (x) | 137.3443% | 717 |
| Efficiency ratio | 61.2325% | 2,972 |
| Assets per employee ($millions) | 15.5767% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,851 |
| Loan loss allowance to noncurrent loans | 300.2641% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 1,874 |
| Noncurrent loans to loans | 0.4023% | 2,152 |
| Net loans and leases to total assets | 79.6687% | 281 |
| Net loans and leases to deposits | 106.1927% | 107 |
| Net loans and leases to core deposits | 117.3656% | 186 |
| Total domestic deposits to total assets | 75.0228% | 4,554 |
| Equity capital to assets | 18.4211% | 239 |
| Core capital (leverage) ratio | 13.5327% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9174% | 1,284 |
| Memoranda: | ||
| Average total assets | $10,347,635,800 | 156 |
| Average earning assets | $9,379,275,600 | 157 |
| Average equity | $1,863,424,200 | 118 |
| Average total loans | $7,923,409,400 | 145 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 1,855 |
| Cost of funding earning assets | 0.4842% | 1,136 |
| Net interest margin | 3.3857% | 2,195 |
| Noninterest income to average assets | 0.2171% | 4,098 |
| Noninterest expense to average assets | 2.0441% | 3,543 |
| Loan and lease loss provision to assets | -0.7197% | 4,900 |
| Net operating income to assets | 1.3651% | 1,643 |
| Return on assets (ROA) | 1.3689% | 1,688 |
| Pretax return on assets | 1.9666% | 845 |
| Return on Equity (ROE) | 7.6458% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.6458% | 2,164 |
| Net charge-offs to loans | 0.0211% | 1,628 |
| Credit loss provision to net charge-offs | -4,329.3927% | 4,112 |
| Earnings coverage of net charge-offs (x) | 77.9725% | 997 |
| Efficiency ratio | 62.0081% | 2,696 |
| Assets per employee ($millions) | 16.6208% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,383 |
| Loan loss allowance to noncurrent loans | 424.7736% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 2,551 |
| Noncurrent loans to loans | 0.3112% | 2,675 |
| Net loans and leases to total assets | 73.4940% | 734 |
| Net loans and leases to deposits | 96.8574% | 318 |
| Net loans and leases to core deposits | 107.2613% | 388 |
| Total domestic deposits to total assets | 75.8786% | 4,547 |
| Equity capital to assets | 18.3422% | 257 |
| Core capital (leverage) ratio | 13.6993% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7811% | 994 |
| Memoranda: | ||
| Average total assets | $10,337,132,250 | 156 |
| Average earning assets | $9,370,660,000 | 159 |
| Average equity | $1,850,807,250 | 118 |
| Average total loans | $7,809,635,000 | 145 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 1,877 |
| Cost of funding earning assets | 0.5054% | 1,164 |
| Net interest margin | 3.3717% | 2,231 |
| Noninterest income to average assets | 0.2025% | 4,191 |
| Noninterest expense to average assets | 2.0531% | 3,542 |
| Loan and lease loss provision to assets | -0.6165% | 4,927 |
| Net operating income to assets | 1.2781% | 1,928 |
| Return on assets (ROA) | 1.2871% | 1,977 |
| Pretax return on assets | 1.8327% | 1,161 |
| Return on Equity (ROE) | 7.2481% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.2481% | 2,343 |
| Net charge-offs to loans | 0.0446% | 1,187 |
| Credit loss provision to net charge-offs | -1,762.8719% | 3,799 |
| Earnings coverage of net charge-offs (x) | 35.6207% | 1,223 |
| Efficiency ratio | 62.8227% | 2,611 |
| Assets per employee ($millions) | 16.2634% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,377 |
| Loan loss allowance to noncurrent loans | 334.1160% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 2,093 |
| Noncurrent loans to loans | 0.4682% | 2,272 |
| Net loans and leases to total assets | 76.4854% | 547 |
| Net loans and leases to deposits | 100.7770% | 233 |
| Net loans and leases to core deposits | 112.7726% | 307 |
| Total domestic deposits to total assets | 75.8957% | 4,566 |
| Equity capital to assets | 18.2368% | 256 |
| Core capital (leverage) ratio | 13.1381% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8733% | 1,153 |
| Memoranda: | ||
| Average total assets | $10,336,805,333 | 154 |
| Average earning assets | $9,366,801,667 | 155 |
| Average equity | $1,835,665,333 | 119 |
| Average total loans | $7,846,283,000 | 145 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 1,862 |
| Cost of funding earning assets | 0.5281% | 1,217 |
| Net interest margin | 3.3581% | 2,224 |
| Noninterest income to average assets | 0.2145% | 4,110 |
| Noninterest expense to average assets | 2.1449% | 3,288 |
| Loan and lease loss provision to assets | -1.4114% | 4,970 |
| Net operating income to assets | 1.8324% | 741 |
| Return on assets (ROA) | 1.8385% | 789 |
| Pretax return on assets | 2.5317% | 412 |
| Return on Equity (ROE) | 10.4913% | 2,533 |
| Retained earnings to average equity (ytd only) | 10.4913% | 1,516 |
| Net charge-offs to loans | 0.0798% | 800 |
| Credit loss provision to net charge-offs | -2,299.4220% | 3,573 |
| Earnings coverage of net charge-offs (x) | 18.5909% | 1,276 |
| Efficiency ratio | 65.6487% | 2,280 |
| Assets per employee ($millions) | 16.7050% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,513 |
| Loan loss allowance to noncurrent loans | 333.5134% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 2,392 |
| Noncurrent loans to loans | 0.4579% | 2,481 |
| Net loans and leases to total assets | 72.7610% | 926 |
| Net loans and leases to deposits | 94.8713% | 447 |
| Net loans and leases to core deposits | 107.1653% | 476 |
| Total domestic deposits to total assets | 76.6944% | 4,540 |
| Equity capital to assets | 17.4279% | 280 |
| Core capital (leverage) ratio | 12.8678% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6943% | 1,124 |
| Memoranda: | ||
| Average total assets | $10,406,622,500 | 153 |
| Average earning assets | $9,430,033,500 | 154 |
| Average equity | $1,823,679,500 | 120 |
| Average total loans | $7,807,783,500 | 144 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 2,210 |
| Cost of funding earning assets | 0.8960% | 868 |
| Net interest margin | 3.2810% | 3,122 |
| Noninterest income to average assets | 0.1911% | 4,331 |
| Noninterest expense to average assets | 2.3741% | 3,193 |
| Loan and lease loss provision to assets | 0.7463% | 190 |
| Net operating income to assets | -0.0404% | 4,753 |
| Return on assets (ROA) | -0.0071% | 4,774 |
| Pretax return on assets | 0.0653% | 4,722 |
| Return on Equity (ROE) | -0.0404% | 4,774 |
| Retained earnings to average equity (ytd only) | -0.0404% | 4,522 |
| Net charge-offs to loans | 0.1289% | 1,223 |
| Credit loss provision to net charge-offs | 782.8726% | 919 |
| Earnings coverage of net charge-offs (x) | 8.0708% | 2,638 |
| Efficiency ratio | 75.3178% | 1,302 |
| Assets per employee ($millions) | 14.9066% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 583 |
| Loan loss allowance to noncurrent loans | 389.9048% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 2,368 |
| Noncurrent loans to loans | 0.5136% | 2,435 |
| Net loans and leases to total assets | 74.6721% | 943 |
| Net loans and leases to deposits | 98.5407% | 433 |
| Net loans and leases to core deposits | 113.7161% | 417 |
| Total domestic deposits to total assets | 75.7780% | 4,521 |
| Equity capital to assets | 17.6234% | 297 |
| Core capital (leverage) ratio | 12.3496% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3429% | 1,186 |
| Memoranda: | ||
| Average total assets | $10,246,588,800 | 149 |
| Average earning assets | $9,220,212,200 | 147 |
| Average equity | $1,791,436,600 | 116 |
| Average total loans | $7,575,086,000 | 140 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2058% | 2,386 |
| Cost of funding earning assets | 0.9787% | 823 |
| Net interest margin | 3.2272% | 3,400 |
| Noninterest income to average assets | 0.1889% | 4,342 |
| Noninterest expense to average assets | 2.1766% | 3,738 |
| Loan and lease loss provision to assets | 1.1771% | 91 |
| Net operating income to assets | -0.2728% | 4,852 |
| Return on assets (ROA) | -0.2219% | 4,852 |
| Pretax return on assets | -0.2132% | 4,839 |
| Return on Equity (ROE) | -1.2716% | 4,841 |
| Retained earnings to average equity (ytd only) | -1.2716% | 4,641 |
| Net charge-offs to loans | 0.1580% | 933 |
| Credit loss provision to net charge-offs | 1,015.4036% | 815 |
| Earnings coverage of net charge-offs (x) | 7.8759% | 2,541 |
| Efficiency ratio | 70.2388% | 1,853 |
| Assets per employee ($millions) | 14.4766% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2159% | 346 |
| Loan loss allowance to noncurrent loans | 382.7280% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 2,370 |
| Noncurrent loans to loans | 0.5790% | 2,348 |
| Net loans and leases to total assets | 73.9751% | 1,371 |
| Net loans and leases to deposits | 98.4048% | 602 |
| Net loans and leases to core deposits | 112.5330% | 610 |
| Total domestic deposits to total assets | 75.1743% | 4,489 |
| Equity capital to assets | 17.5287% | 337 |
| Core capital (leverage) ratio | 11.9845% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1995% | 1,209 |
| Memoranda: | ||
| Average total assets | $10,244,308,500 | 146 |
| Average earning assets | $9,208,054,750 | 145 |
| Average equity | $1,787,444,250 | 115 |
| Average total loans | $7,515,194,000 | 140 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,635 |
| Cost of funding earning assets | 1.0625% | 811 |
| Net interest margin | 3.1774% | 3,727 |
| Noninterest income to average assets | 0.2376% | 4,054 |
| Noninterest expense to average assets | 2.1578% | 3,906 |
| Loan and lease loss provision to assets | 1.5347% | 79 |
| Net operating income to assets | -0.5088% | 4,917 |
| Return on assets (ROA) | -0.5152% | 4,915 |
| Pretax return on assets | -0.6066% | 4,915 |
| Return on Equity (ROE) | -2.9574% | 4,891 |
| Retained earnings to average equity (ytd only) | -2.9574% | 4,652 |
| Net charge-offs to loans | 0.1563% | 945 |
| Credit loss provision to net charge-offs | 1,352.4497% | 649 |
| Earnings coverage of net charge-offs (x) | 8.2451% | 2,306 |
| Efficiency ratio | 69.5438% | 2,011 |
| Assets per employee ($millions) | 14.7964% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1253% | 364 |
| Loan loss allowance to noncurrent loans | 402.8034% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 2,708 |
| Noncurrent loans to loans | 0.5276% | 2,583 |
| Net loans and leases to total assets | 70.7034% | 1,923 |
| Net loans and leases to deposits | 91.7632% | 1,184 |
| Net loans and leases to core deposits | 105.2982% | 925 |
| Total domestic deposits to total assets | 77.0499% | 4,313 |
| Equity capital to assets | 16.8081% | 390 |
| Core capital (leverage) ratio | 11.7048% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0737% | 1,233 |
| Memoranda: | ||
| Average total assets | $10,252,254,000 | 144 |
| Average earning assets | $9,214,548,333 | 143 |
| Average equity | $1,786,087,333 | 115 |
| Average total loans | $7,442,946,333 | 145 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 2,693 |
| Cost of funding earning assets | 1.1604% | 878 |
| Net interest margin | 3.2185% | 3,810 |
| Noninterest income to average assets | 0.2289% | 4,180 |
| Noninterest expense to average assets | 2.2615% | 3,854 |
| Loan and lease loss provision to assets | 3.0151% | 33 |
| Net operating income to assets | -1.6966% | 5,033 |
| Return on assets (ROA) | -1.7233% | 5,020 |
| Pretax return on assets | -2.1975% | 5,036 |
| Return on Equity (ROE) | -9.7123% | 4,996 |
| Retained earnings to average equity (ytd only) | -9.7123% | 4,753 |
| Net charge-offs to loans | 0.1639% | 802 |
| Credit loss provision to net charge-offs | 2,527.1367% | 289 |
| Earnings coverage of net charge-offs (x) | 7.1367% | 1,942 |
| Efficiency ratio | 72.4362% | 2,011 |
| Assets per employee ($millions) | 13.9210% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1853% | 386 |
| Loan loss allowance to noncurrent loans | 372.7525% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 2,670 |
| Noncurrent loans to loans | 0.5862% | 2,540 |
| Net loans and leases to total assets | 72.0942% | 1,904 |
| Net loans and leases to deposits | 94.6133% | 1,025 |
| Net loans and leases to core deposits | 110.0525% | 848 |
| Total domestic deposits to total assets | 76.1987% | 4,466 |
| Equity capital to assets | 17.4008% | 397 |
| Core capital (leverage) ratio | 12.0706% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7781% | 1,401 |
| Memoranda: | ||
| Average total assets | $10,081,269,500 | 144 |
| Average earning assets | $9,033,922,000 | 142 |
| Average equity | $1,788,785,500 | 116 |
| Average total loans | $7,337,855,500 | 145 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6592% | 2,437 |
| Cost of funding earning assets | 1.2838% | 802 |
| Net interest margin | 3.3754% | 3,809 |
| Noninterest income to average assets | 0.2289% | 4,297 |
| Noninterest expense to average assets | 2.1928% | 4,172 |
| Loan and lease loss provision to assets | 0.3074% | 534 |
| Net operating income to assets | 0.5591% | 4,270 |
| Return on assets (ROA) | 0.5660% | 4,305 |
| Pretax return on assets | 0.7622% | 4,055 |
| Return on Equity (ROE) | 3.1190% | 4,645 |
| Retained earnings to average equity (ytd only) | 3.1190% | 3,462 |
| Net charge-offs to loans | 0.6827% | 247 |
| Credit loss provision to net charge-offs | 63.6713% | 2,996 |
| Earnings coverage of net charge-offs (x) | 2.1974% | 3,445 |
| Efficiency ratio | 67.1851% | 2,584 |
| Assets per employee ($millions) | 13.7001% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6235% | 4,702 |
| Loan loss allowance to noncurrent loans | 94.4413% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 2,433 |
| Noncurrent loans to loans | 0.6602% | 2,238 |
| Net loans and leases to total assets | 71.4166% | 2,186 |
| Net loans and leases to deposits | 94.0806% | 1,142 |
| Net loans and leases to core deposits | 106.9275% | 1,054 |
| Total domestic deposits to total assets | 75.9099% | 4,608 |
| Equity capital to assets | 18.0882% | 361 |
| Core capital (leverage) ratio | 12.3342% | 1,575 |
| Tier 1 risk-based capital ratio | 16.3456% | 2,273 |
| Total risk-based capital ratio | 16.9813% | 2,429 |
| Memoranda: | ||
| Average total assets | $9,768,208,000 | 144 |
| Average earning assets | $8,753,669,800 | 144 |
| Average equity | $1,772,751,200 | 115 |
| Average total loans | $6,908,378,200 | 146 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 2,460 |
| Cost of funding earning assets | 1.2809% | 834 |
| Net interest margin | 3.4057% | 3,853 |
| Noninterest income to average assets | 0.2296% | 4,362 |
| Noninterest expense to average assets | 2.1819% | 4,217 |
| Loan and lease loss provision to assets | 0.3251% | 432 |
| Net operating income to assets | 0.5614% | 4,386 |
| Return on assets (ROA) | 0.5680% | 4,418 |
| Pretax return on assets | 0.7816% | 4,170 |
| Return on Equity (ROE) | 3.1273% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.1273% | 3,839 |
| Net charge-offs to loans | 0.4733% | 359 |
| Credit loss provision to net charge-offs | 97.5455% | 2,312 |
| Earnings coverage of net charge-offs (x) | 3.2950% | 3,114 |
| Efficiency ratio | 66.3077% | 2,686 |
| Assets per employee ($millions) | 13.8861% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,158 |
| Loan loss allowance to noncurrent loans | 72.5518% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 1,583 |
| Noncurrent loans to loans | 1.1999% | 1,305 |
| Net loans and leases to total assets | 69.4768% | 2,555 |
| Net loans and leases to deposits | 91.8193% | 1,459 |
| Net loans and leases to core deposits | 106.5176% | 1,148 |
| Total domestic deposits to total assets | 75.6669% | 4,680 |
| Equity capital to assets | 17.8962% | 398 |
| Core capital (leverage) ratio | 12.4561% | 1,595 |
| Tier 1 risk-based capital ratio | 16.4853% | 2,276 |
| Total risk-based capital ratio | 17.3763% | 2,320 |
| Memoranda: | ||
| Average total assets | $9,696,282,500 | 145 |
| Average earning assets | $8,685,369,500 | 146 |
| Average equity | $1,761,205,000 | 116 |
| Average total loans | $6,828,812,500 | 148 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 2,344 |
| Cost of funding earning assets | 1.2570% | 853 |
| Net interest margin | 3.4480% | 3,743 |
| Noninterest income to average assets | 0.2229% | 4,410 |
| Noninterest expense to average assets | 2.1907% | 4,242 |
| Loan and lease loss provision to assets | 0.4514% | 268 |
| Net operating income to assets | 0.4726% | 4,589 |
| Return on assets (ROA) | 0.4825% | 4,600 |
| Pretax return on assets | 0.6772% | 4,387 |
| Return on Equity (ROE) | 2.6426% | 4,852 |
| Retained earnings to average equity (ytd only) | 2.6426% | 3,880 |
| Net charge-offs to loans | 0.4833% | 328 |
| Credit loss provision to net charge-offs | 132.4132% | 1,642 |
| Earnings coverage of net charge-offs (x) | 3.2740% | 2,863 |
| Efficiency ratio | 66.0355% | 2,801 |
| Assets per employee ($millions) | 13.6758% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,788 |
| Loan loss allowance to noncurrent loans | 69.8597% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 1,364 |
| Noncurrent loans to loans | 1.3869% | 1,123 |
| Net loans and leases to total assets | 70.9271% | 2,401 |
| Net loans and leases to deposits | 97.4424% | 896 |
| Net loans and leases to core deposits | 115.7943% | 690 |
| Total domestic deposits to total assets | 72.7888% | 4,922 |
| Equity capital to assets | 18.2984% | 349 |
| Core capital (leverage) ratio | 12.5613% | 1,505 |
| Tier 1 risk-based capital ratio | 16.2337% | 2,316 |
| Total risk-based capital ratio | 17.2150% | 2,372 |
| Memoranda: | ||
| Average total assets | $9,563,322,330 | 147 |
| Average earning assets | $8,553,558,000 | 149 |
| Average equity | $1,746,057,000 | 114 |
| Average total loans | $6,746,619,000 | 150 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 2,373 |
| Cost of funding earning assets | 1.2208% | 847 |
| Net interest margin | 3.4307% | 3,809 |
| Noninterest income to average assets | 0.2254% | 4,393 |
| Noninterest expense to average assets | 2.1449% | 4,383 |
| Loan and lease loss provision to assets | 0.4374% | 254 |
| Net operating income to assets | 0.4988% | 4,527 |
| Return on assets (ROA) | 0.5131% | 4,502 |
| Pretax return on assets | 0.7330% | 4,216 |
| Return on Equity (ROE) | 2.8134% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.8134% | 3,813 |
| Net charge-offs to loans | 0.3807% | 410 |
| Credit loss provision to net charge-offs | 164.1760% | 1,179 |
| Earnings coverage of net charge-offs (x) | 4.3252% | 2,332 |
| Efficiency ratio | 64.8370% | 3,111 |
| Assets per employee ($millions) | 13.6346% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,735 |
| Loan loss allowance to noncurrent loans | 63.6949% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 1,237 |
| Noncurrent loans to loans | 1.5636% | 1,020 |
| Net loans and leases to total assets | 68.7016% | 2,659 |
| Net loans and leases to deposits | 91.5819% | 1,445 |
| Net loans and leases to core deposits | 108.6912% | 1,009 |
| Total domestic deposits to total assets | 75.0166% | 4,854 |
| Equity capital to assets | 18.2262% | 331 |
| Core capital (leverage) ratio | 12.4622% | 1,537 |
| Tier 1 risk-based capital ratio | 16.6426% | 2,213 |
| Total risk-based capital ratio | 17.6424% | 2,248 |
| Memoranda: | ||
| Average total assets | $9,483,228,000 | 148 |
| Average earning assets | $8,491,559,500 | 149 |
| Average equity | $1,729,460,000 | 114 |
| Average total loans | $6,637,887,500 | 152 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 1,916 |
| Cost of funding earning assets | 1.0280% | 674 |
| Net interest margin | 3.6462% | 3,239 |
| Noninterest income to average assets | 0.2152% | 4,621 |
| Noninterest expense to average assets | 2.1803% | 4,384 |
| Loan and lease loss provision to assets | 0.3204% | 499 |
| Net operating income to assets | 0.7436% | 3,995 |
| Return on assets (ROA) | 0.7346% | 4,028 |
| Pretax return on assets | 0.9687% | 3,702 |
| Return on Equity (ROE) | 4.1023% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.1023% | 3,300 |
| Net charge-offs to loans | 0.6130% | 279 |
| Credit loss provision to net charge-offs | 75.1364% | 2,922 |
| Earnings coverage of net charge-offs (x) | 3.0500% | 3,454 |
| Efficiency ratio | 62.4327% | 3,446 |
| Assets per employee ($millions) | 13.2132% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,998 |
| Loan loss allowance to noncurrent loans | 53.4352% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.2688% | 1,012 |
| Noncurrent loans to loans | 1.7569% | 811 |
| Net loans and leases to total assets | 69.9497% | 2,564 |
| Net loans and leases to deposits | 94.0032% | 1,282 |
| Net loans and leases to core deposits | 110.6329% | 964 |
| Total domestic deposits to total assets | 74.4120% | 4,916 |
| Equity capital to assets | 18.2481% | 325 |
| Core capital (leverage) ratio | 12.4244% | 1,496 |
| Tier 1 risk-based capital ratio | 16.8474% | 2,120 |
| Total risk-based capital ratio | 17.8160% | 2,166 |
| Memoranda: | ||
| Average total assets | $9,326,713,200 | 145 |
| Average earning assets | $8,353,306,000 | 148 |
| Average equity | $1,670,105,800 | 109 |
| Average total loans | $6,487,561,200 | 151 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,957 |
| Cost of funding earning assets | 0.9810% | 641 |
| Net interest margin | 3.6259% | 3,282 |
| Noninterest income to average assets | 0.1855% | 4,858 |
| Noninterest expense to average assets | 2.1389% | 4,459 |
| Loan and lease loss provision to assets | 0.4406% | 274 |
| Net operating income to assets | 0.6630% | 4,335 |
| Return on assets (ROA) | 0.6593% | 4,355 |
| Pretax return on assets | 0.8463% | 4,178 |
| Return on Equity (ROE) | 3.6999% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.6999% | 3,922 |
| Net charge-offs to loans | 0.6055% | 242 |
| Credit loss provision to net charge-offs | 104.9985% | 2,186 |
| Earnings coverage of net charge-offs (x) | 3.0780% | 3,194 |
| Efficiency ratio | 62.1427% | 3,490 |
| Assets per employee ($millions) | 13.4893% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,194 |
| Loan loss allowance to noncurrent loans | 53.5856% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 855 |
| Noncurrent loans to loans | 2.0518% | 705 |
| Net loans and leases to total assets | 70.4613% | 2,572 |
| Net loans and leases to deposits | 94.4244% | 1,327 |
| Net loans and leases to core deposits | 110.9818% | 975 |
| Total domestic deposits to total assets | 74.6219% | 4,923 |
| Equity capital to assets | 17.7942% | 355 |
| Core capital (leverage) ratio | 11.9721% | 1,798 |
| Tier 1 risk-based capital ratio | 15.9989% | 2,452 |
| Total risk-based capital ratio | 17.1181% | 2,431 |
| Memoranda: | ||
| Average total assets | $9,313,051,750 | 143 |
| Average earning assets | $8,334,403,250 | 145 |
| Average equity | $1,659,653,000 | 109 |
| Average total loans | $6,453,347,000 | 150 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,937 |
| Cost of funding earning assets | 0.9277% | 641 |
| Net interest margin | 3.6232% | 3,225 |
| Noninterest income to average assets | 0.1682% | 4,983 |
| Noninterest expense to average assets | 2.1455% | 4,498 |
| Loan and lease loss provision to assets | 0.6086% | 170 |
| Net operating income to assets | 0.5760% | 4,580 |
| Return on assets (ROA) | 0.5662% | 4,595 |
| Pretax return on assets | 0.6431% | 4,656 |
| Return on Equity (ROE) | 3.1757% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.1757% | 3,980 |
| Net charge-offs to loans | 0.7676% | 183 |
| Credit loss provision to net charge-offs | 115.5141% | 1,835 |
| Earnings coverage of net charge-offs (x) | 2.3968% | 2,976 |
| Efficiency ratio | 62.7389% | 3,528 |
| Assets per employee ($millions) | 13.8835% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,951 |
| Loan loss allowance to noncurrent loans | 55.9007% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 910 |
| Noncurrent loans to loans | 2.0686% | 707 |
| Net loans and leases to total assets | 68.4953% | 2,794 |
| Net loans and leases to deposits | 91.8853% | 1,600 |
| Net loans and leases to core deposits | 107.1282% | 1,173 |
| Total domestic deposits to total assets | 74.5444% | 4,994 |
| Equity capital to assets | 17.4981% | 366 |
| Core capital (leverage) ratio | 11.7616% | 1,864 |
| Tier 1 risk-based capital ratio | 15.8965% | 2,475 |
| Total risk-based capital ratio | 17.0656% | 2,448 |
| Memoranda: | ||
| Average total assets | $9,287,893,670 | 142 |
| Average earning assets | $8,305,855,330 | 143 |
| Average equity | $1,656,001,000 | 108 |
| Average total loans | $6,374,857,330 | 149 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,893 |
| Cost of funding earning assets | 0.8439% | 786 |
| Net interest margin | 3.6498% | 2,990 |
| Noninterest income to average assets | 0.1351% | 5,192 |
| Noninterest expense to average assets | 2.1066% | 4,644 |
| Loan and lease loss provision to assets | 0.5486% | 190 |
| Net operating income to assets | 0.7240% | 4,008 |
| Return on assets (ROA) | 0.6991% | 4,108 |
| Pretax return on assets | 0.7158% | 4,396 |
| Return on Equity (ROE) | 3.8840% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.8840% | 3,640 |
| Net charge-offs to loans | 0.7208% | 208 |
| Credit loss provision to net charge-offs | 111.4498% | 1,443 |
| Earnings coverage of net charge-offs (x) | 2.6203% | 2,445 |
| Efficiency ratio | 61.8113% | 3,820 |
| Assets per employee ($millions) | 13.8960% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,064 |
| Loan loss allowance to noncurrent loans | 57.7552% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 1,022 |
| Noncurrent loans to loans | 2.0012% | 796 |
| Net loans and leases to total assets | 68.0060% | 2,772 |
| Net loans and leases to deposits | 94.6685% | 1,171 |
| Net loans and leases to core deposits | 113.3123% | 833 |
| Total domestic deposits to total assets | 71.8359% | 5,294 |
| Equity capital to assets | 17.9100% | 322 |
| Core capital (leverage) ratio | 12.0439% | 1,628 |
| Tier 1 risk-based capital ratio | 15.9749% | 2,481 |
| Total risk-based capital ratio | 17.1287% | 2,466 |
| Memoranda: | ||
| Average total assets | $9,197,559,000 | 142 |
| Average earning assets | $8,218,865,500 | 144 |
| Average equity | $1,655,592,500 | 109 |
| Average total loans | $6,281,586,500 | 149 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,103 |
| Cost of funding earning assets | 0.7998% | 621 |
| Net interest margin | 3.5737% | 3,252 |
| Noninterest income to average assets | 0.2173% | 4,853 |
| Noninterest expense to average assets | 2.1000% | 4,765 |
| Loan and lease loss provision to assets | 0.8675% | 128 |
| Net operating income to assets | -1.7120% | 5,632 |
| Return on assets (ROA) | -1.7120% | 5,632 |
| Pretax return on assets | 0.3766% | 5,117 |
| Return on Equity (ROE) | -8.5325% | 5,580 |
| Retained earnings to average equity (ytd only) | -8.5325% | 5,510 |
| Net charge-offs to loans | 0.8173% | 241 |
| Credit loss provision to net charge-offs | 161.7666% | 1,655 |
| Earnings coverage of net charge-offs (x) | 2.3199% | 3,759 |
| Efficiency ratio | 62.5773% | 3,848 |
| Assets per employee ($millions) | 13.4038% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,008 |
| Loan loss allowance to noncurrent loans | 52.8625% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.5091% | 907 |
| Noncurrent loans to loans | 2.1939% | 663 |
| Net loans and leases to total assets | 67.0018% | 2,966 |
| Net loans and leases to deposits | 91.8097% | 1,552 |
| Net loans and leases to core deposits | 109.5500% | 1,031 |
| Total domestic deposits to total assets | 72.9790% | 5,259 |
| Equity capital to assets | 18.0913% | 302 |
| Core capital (leverage) ratio | 11.6897% | 1,800 |
| Tier 1 risk-based capital ratio | 15.8974% | 2,470 |
| Total risk-based capital ratio | 17.0452% | 2,457 |
| Memoranda: | ||
| Average total assets | $8,985,370,600 | 137 |
| Average earning assets | $7,861,511,600 | 143 |
| Average equity | $1,802,886,600 | 98 |
| Average total loans | $5,895,417,800 | 148 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,099 |
| Cost of funding earning assets | 0.7835% | 636 |
| Net interest margin | 3.5696% | 3,259 |
| Noninterest income to average assets | 0.2245% | 4,871 |
| Noninterest expense to average assets | 2.0614% | 4,827 |
| Loan and lease loss provision to assets | 0.9085% | 115 |
| Net operating income to assets | 0.2097% | 5,343 |
| Return on assets (ROA) | 0.2097% | 5,358 |
| Pretax return on assets | 0.3609% | 5,241 |
| Return on Equity (ROE) | 1.0195% | 5,429 |
| Retained earnings to average equity (ytd only) | 1.0195% | 4,968 |
| Net charge-offs to loans | 0.3124% | 671 |
| Credit loss provision to net charge-offs | 447.0826% | 708 |
| Earnings coverage of net charge-offs (x) | 6.2468% | 3,005 |
| Efficiency ratio | 61.6661% | 3,928 |
| Assets per employee ($millions) | 13.8329% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,610 |
| Loan loss allowance to noncurrent loans | 68.9714% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4184% | 1,095 |
| Noncurrent loans to loans | 2.1453% | 766 |
| Net loans and leases to total assets | 63.9937% | 3,397 |
| Net loans and leases to deposits | 90.9697% | 1,694 |
| Net loans and leases to core deposits | 108.8071% | 1,104 |
| Total domestic deposits to total assets | 70.3462% | 5,465 |
| Equity capital to assets | 19.7095% | 236 |
| Core capital (leverage) ratio | 12.4045% | 1,456 |
| Tier 1 risk-based capital ratio | 16.6028% | 2,285 |
| Total risk-based capital ratio | 17.8763% | 2,232 |
| Memoranda: | ||
| Average total assets | $8,939,672,000 | 139 |
| Average earning assets | $7,779,470,750 | 147 |
| Average equity | $1,838,949,000 | 97 |
| Average total loans | $5,815,543,250 | 150 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 1,984 |
| Cost of funding earning assets | 0.7702% | 616 |
| Net interest margin | 3.5766% | 3,120 |
| Noninterest income to average assets | 0.2319% | 4,846 |
| Noninterest expense to average assets | 2.0814% | 4,802 |
| Loan and lease loss provision to assets | 0.4170% | 308 |
| Net operating income to assets | 0.4924% | 4,725 |
| Return on assets (ROA) | 0.4924% | 4,761 |
| Pretax return on assets | 0.8390% | 4,130 |
| Return on Equity (ROE) | 2.3589% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.3589% | 4,266 |
| Net charge-offs to loans | 0.2063% | 982 |
| Credit loss provision to net charge-offs | 310.4783% | 940 |
| Earnings coverage of net charge-offs (x) | 9.3519% | 2,440 |
| Efficiency ratio | 62.1409% | 3,970 |
| Assets per employee ($millions) | 13.3740% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 4,482 |
| Loan loss allowance to noncurrent loans | 47.2241% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 1,245 |
| Noncurrent loans to loans | 1.9854% | 850 |
| Net loans and leases to total assets | 64.4850% | 3,317 |
| Net loans and leases to deposits | 90.3797% | 1,681 |
| Net loans and leases to core deposits | 107.3257% | 1,141 |
| Total domestic deposits to total assets | 71.3489% | 5,490 |
| Equity capital to assets | 20.6018% | 201 |
| Core capital (leverage) ratio | 12.7592% | 1,271 |
| Tier 1 risk-based capital ratio | 17.2590% | 2,075 |
| Total risk-based capital ratio | 18.1866% | 2,130 |
| Memoranda: | ||
| Average total assets | $8,811,769,670 | 143 |
| Average earning assets | $7,650,923,670 | 149 |
| Average equity | $1,839,401,000 | 96 |
| Average total loans | $5,735,396,670 | 150 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 1,933 |
| Cost of funding earning assets | 0.7629% | 607 |
| Net interest margin | 3.5455% | 3,095 |
| Noninterest income to average assets | 0.2346% | 4,864 |
| Noninterest expense to average assets | 2.1438% | 4,764 |
| Loan and lease loss provision to assets | 0.4847% | 214 |
| Net operating income to assets | 0.3970% | 4,951 |
| Return on assets (ROA) | 0.3970% | 4,976 |
| Pretax return on assets | 0.6812% | 4,501 |
| Return on Equity (ROE) | 1.8893% | 5,355 |
| Retained earnings to average equity (ytd only) | 1.8893% | 4,371 |
| Net charge-offs to loans | 0.1892% | 902 |
| Credit loss provision to net charge-offs | 393.5640% | 658 |
| Earnings coverage of net charge-offs (x) | 9.4669% | 1,991 |
| Efficiency ratio | 64.5441% | 3,742 |
| Assets per employee ($millions) | 12.9884% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,855 |
| Loan loss allowance to noncurrent loans | 39.2833% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4726% | 1,111 |
| Noncurrent loans to loans | 2.2194% | 758 |
| Net loans and leases to total assets | 64.6344% | 3,176 |
| Net loans and leases to deposits | 90.4796% | 1,483 |
| Net loans and leases to core deposits | 104.5983% | 1,188 |
| Total domestic deposits to total assets | 71.4354% | 5,572 |
| Equity capital to assets | 20.8224% | 179 |
| Core capital (leverage) ratio | 12.8122% | 1,211 |
| Tier 1 risk-based capital ratio | 17.0364% | 2,174 |
| Total risk-based capital ratio | 17.8947% | 2,265 |
| Memoranda: | ||
| Average total assets | $8,730,689,500 | 142 |
| Average earning assets | $7,572,344,000 | 150 |
| Average equity | $1,834,707,500 | 94 |
| Average total loans | $5,682,292,000 | 152 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 1,825 |
| Cost of funding earning assets | 0.7060% | 794 |
| Net interest margin | 3.6925% | 2,725 |
| Noninterest income to average assets | 0.2707% | 4,795 |
| Noninterest expense to average assets | 2.3221% | 4,504 |
| Loan and lease loss provision to assets | 0.1863% | 1,266 |
| Net operating income to assets | 0.5074% | 4,603 |
| Return on assets (ROA) | 0.5074% | 4,677 |
| Pretax return on assets | 0.9164% | 3,783 |
| Return on Equity (ROE) | 2.2657% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.2657% | 4,239 |
| Net charge-offs to loans | 0.1151% | 2,107 |
| Credit loss provision to net charge-offs | 256.0980% | 1,127 |
| Earnings coverage of net charge-offs (x) | 15.1560% | 2,228 |
| Efficiency ratio | 67.5647% | 3,330 |
| Assets per employee ($millions) | 12.5244% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,227 |
| Loan loss allowance to noncurrent loans | 33.8964% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 1.4819% | 1,136 |
| Noncurrent loans to loans | 2.2270% | 762 |
| Net loans and leases to total assets | 64.4722% | 3,293 |
| Net loans and leases to deposits | 91.7924% | 1,483 |
| Net loans and leases to core deposits | 105.9629% | 1,133 |
| Total domestic deposits to total assets | 70.2369% | 5,656 |
| Equity capital to assets | 21.2111% | 170 |
| Core capital (leverage) ratio | 13.0475% | 1,116 |
| Tier 1 risk-based capital ratio | 17.2001% | 2,088 |
| Total risk-based capital ratio | 17.9423% | 2,213 |
| Memoranda: | ||
| Average total assets | $8,192,818,400 | 143 |
| Average earning assets | $6,998,389,200 | 152 |
| Average equity | $1,834,745,400 | 86 |
| Average total loans | $5,179,860,200 | 158 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 1,756 |
| Cost of funding earning assets | 0.6878% | 866 |
| Net interest margin | 3.7433% | 2,540 |
| Noninterest income to average assets | 0.2486% | 4,980 |
| Noninterest expense to average assets | 2.3891% | 4,311 |
| Loan and lease loss provision to assets | 0.1930% | 1,120 |
| Net operating income to assets | 0.4802% | 4,765 |
| Return on assets (ROA) | 0.4802% | 4,853 |
| Pretax return on assets | 0.8514% | 4,149 |
| Return on Equity (ROE) | 2.1144% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.1144% | 4,635 |
| Net charge-offs to loans | 0.0831% | 2,138 |
| Credit loss provision to net charge-offs | 370.1044% | 891 |
| Earnings coverage of net charge-offs (x) | 20.0320% | 1,898 |
| Efficiency ratio | 69.3428% | 2,991 |
| Assets per employee ($millions) | 12.4276% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 5,244 |
| Loan loss allowance to noncurrent loans | 36.2825% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3908% | 1,342 |
| Noncurrent loans to loans | 2.1527% | 878 |
| Net loans and leases to total assets | 62.4585% | 3,596 |
| Net loans and leases to deposits | 91.3381% | 1,593 |
| Net loans and leases to core deposits | 109.2766% | 966 |
| Total domestic deposits to total assets | 68.3817% | 5,760 |
| Equity capital to assets | 21.9592% | 166 |
| Core capital (leverage) ratio | 13.2411% | 1,094 |
| Tier 1 risk-based capital ratio | 17.6216% | 2,034 |
| Total risk-based capital ratio | 18.4292% | 2,128 |
| Memoranda: | ||
| Average total assets | $8,083,699,250 | 144 |
| Average earning assets | $6,878,004,500 | 152 |
| Average equity | $1,835,840,500 | 84 |
| Average total loans | $5,073,372,500 | 158 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 1,639 |
| Cost of funding earning assets | 0.6696% | 940 |
| Net interest margin | 3.7920% | 2,354 |
| Noninterest income to average assets | 0.2448% | 5,018 |
| Noninterest expense to average assets | 2.3458% | 4,482 |
| Loan and lease loss provision to assets | 0.1353% | 1,685 |
| Net operating income to assets | 0.5321% | 4,553 |
| Return on assets (ROA) | 0.5321% | 4,667 |
| Pretax return on assets | 0.9734% | 3,689 |
| Return on Equity (ROE) | 2.3160% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.3160% | 4,399 |
| Net charge-offs to loans | 0.0393% | 2,673 |
| Credit loss provision to net charge-offs | 549.5918% | 613 |
| Earnings coverage of net charge-offs (x) | 45.0327% | 1,069 |
| Efficiency ratio | 67.6639% | 3,409 |
| Assets per employee ($millions) | 12.3109% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 5,486 |
| Loan loss allowance to noncurrent loans | 35.3584% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 1,520 |
| Noncurrent loans to loans | 2.0296% | 975 |
| Net loans and leases to total assets | 62.9486% | 3,509 |
| Net loans and leases to deposits | 94.5400% | 1,234 |
| Net loans and leases to core deposits | 114.4254% | 706 |
| Total domestic deposits to total assets | 66.5841% | 5,878 |
| Equity capital to assets | 22.5198% | 145 |
| Core capital (leverage) ratio | 13.4890% | 986 |
| Tier 1 risk-based capital ratio | 17.8390% | 1,978 |
| Total risk-based capital ratio | 18.5929% | 2,079 |
| Memoranda: | ||
| Average total assets | $7,961,339,000 | 146 |
| Average earning assets | $6,738,522,000 | 153 |
| Average equity | $1,829,213,670 | 84 |
| Average total loans | $4,991,235,670 | 159 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,630 |
| Cost of funding earning assets | 0.6711% | 944 |
| Net interest margin | 3.7890% | 2,329 |
| Noninterest income to average assets | 0.2562% | 4,903 |
| Noninterest expense to average assets | 2.3404% | 4,546 |
| Loan and lease loss provision to assets | 0.2079% | 939 |
| Net operating income to assets | 0.4577% | 4,801 |
| Return on assets (ROA) | 0.4577% | 4,882 |
| Pretax return on assets | 0.8897% | 3,887 |
| Return on Equity (ROE) | 1.9716% | 5,503 |
| Retained earnings to average equity (ytd only) | 1.9716% | 4,465 |
| Net charge-offs to loans | 0.1476% | 1,228 |
| Credit loss provision to net charge-offs | 225.9300% | 1,003 |
| Earnings coverage of net charge-offs (x) | 11.9295% | 1,830 |
| Efficiency ratio | 67.8291% | 3,491 |
| Assets per employee ($millions) | 11.9399% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 5,581 |
| Loan loss allowance to noncurrent loans | 29.7473% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 1,310 |
| Noncurrent loans to loans | 2.3802% | 821 |
| Net loans and leases to total assets | 62.7825% | 3,416 |
| Net loans and leases to deposits | 91.7372% | 1,384 |
| Net loans and leases to core deposits | 111.4151% | 788 |
| Total domestic deposits to total assets | 68.4373% | 5,915 |
| Equity capital to assets | 23.2578% | 119 |
| Core capital (leverage) ratio | 13.1470% | 1,104 |
| Tier 1 risk-based capital ratio | 17.6895% | 2,074 |
| Total risk-based capital ratio | 18.4343% | 2,186 |
| Memoranda: | ||
| Average total assets | $7,830,179,500 | 146 |
| Average earning assets | $6,575,409,000 | 155 |
| Average equity | $1,817,845,500 | 85 |
| Average total loans | $4,879,804,500 | 161 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 1,860 |
| Cost of funding earning assets | 0.4340% | 2,804 |
| Net interest margin | 3.9789% | 1,790 |
| Noninterest income to average assets | 0.2684% | 4,952 |
| Noninterest expense to average assets | 2.8396% | 3,075 |
| Loan and lease loss provision to assets | 0.0090% | 4,221 |
| Net operating income to assets | 9.1599% | 20 |
| Return on assets (ROA) | 9.1599% | 20 |
| Pretax return on assets | 0.8481% | 4,031 |
| Return on Equity (ROE) | 37.9086% | 30 |
| Retained earnings to average equity (ytd only) | 37.9086% | 13 |
| Net charge-offs to loans | -0.0412% | 5,502 |
| Credit loss provision to net charge-offs | -34.7392% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6002% | 2,179 |
| Assets per employee ($millions) | 11.9877% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 5,648 |
| Loan loss allowance to noncurrent loans | 33.1536% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 1,601 |
| Noncurrent loans to loans | 2.0845% | 986 |
| Net loans and leases to total assets | 60.9747% | 3,697 |
| Net loans and leases to deposits | 89.7712% | 1,639 |
| Net loans and leases to core deposits | 110.1590% | 845 |
| Total domestic deposits to total assets | 67.9223% | 5,977 |
| Equity capital to assets | 23.1734% | 118 |
| Core capital (leverage) ratio | 13.7401% | 897 |
| Tier 1 risk-based capital ratio | 18.2879% | 1,888 |
| Total risk-based capital ratio | 19.0206% | 1,981 |
| Memoranda: | ||
| Average total assets | $6,986,962,000 | 152 |
| Average earning assets | $6,020,076,600 | 156 |
| Average equity | $1,688,261,800 | 90 |
| Average total loans | $4,376,617,000 | 168 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 1,891 |
| Cost of funding earning assets | 0.4226% | 2,983 |
| Net interest margin | 3.9892% | 1,735 |
| Noninterest income to average assets | 0.2772% | 4,961 |
| Noninterest expense to average assets | 3.0039% | 2,515 |
| Loan and lease loss provision to assets | -0.0285% | 5,869 |
| Net operating income to assets | 11.4049% | 15 |
| Return on assets (ROA) | 11.4049% | 15 |
| Pretax return on assets | 0.7694% | 4,429 |
| Return on Equity (ROE) | 46.6524% | 18 |
| Retained earnings to average equity (ytd only) | 46.6524% | 6 |
| Net charge-offs to loans | -0.0830% | 5,724 |
| Credit loss provision to net charge-offs | 54.4908% | 2,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8255% | 1,682 |
| Assets per employee ($millions) | 11.2739% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 5,769 |
| Loan loss allowance to noncurrent loans | 23.9743% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8274% | 1,163 |
| Noncurrent loans to loans | 2.8339% | 654 |
| Net loans and leases to total assets | 62.1849% | 3,576 |
| Net loans and leases to deposits | 95.8485% | 1,021 |
| Net loans and leases to core deposits | 113.8671% | 676 |
| Total domestic deposits to total assets | 64.8782% | 6,117 |
| Equity capital to assets | 26.1952% | 81 |
| Core capital (leverage) ratio | 17.4630% | 337 |
| Tier 1 risk-based capital ratio | 24.2503% | 924 |
| Total risk-based capital ratio | 24.9706% | 962 |
| Memoranda: | ||
| Average total assets | $6,788,702,000 | 158 |
| Average earning assets | $5,901,169,000 | 159 |
| Average equity | $1,659,604,500 | 92 |
| Average total loans | $4,276,560,500 | 171 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 2,042 |
| Cost of funding earning assets | 0.3775% | 3,528 |
| Net interest margin | 3.9636% | 1,767 |
| Noninterest income to average assets | 0.2639% | 5,061 |
| Noninterest expense to average assets | 3.2353% | 1,877 |
| Loan and lease loss provision to assets | -0.0690% | 6,050 |
| Net operating income to assets | 17.1279% | 11 |
| Return on assets (ROA) | 17.1279% | 11 |
| Pretax return on assets | 0.5764% | 5,033 |
| Return on Equity (ROE) | 72.0192% | 12 |
| Retained earnings to average equity (ytd only) | 72.0192% | 5 |
| Net charge-offs to loans | -0.0830% | 5,717 |
| Credit loss provision to net charge-offs | 131.7229% | 1,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0982% | 1,053 |
| Assets per employee ($millions) | 11.5818% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6644% | 5,874 |
| Loan loss allowance to noncurrent loans | 87.7564% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 3,927 |
| Noncurrent loans to loans | 0.7571% | 3,222 |
| Net loans and leases to total assets | 60.2140% | 3,799 |
| Net loans and leases to deposits | 93.6985% | 1,180 |
| Net loans and leases to core deposits | 109.8448% | 843 |
| Total domestic deposits to total assets | 64.2636% | 6,201 |
| Equity capital to assets | 25.8903% | 82 |
| Core capital (leverage) ratio | 19.5647% | 222 |
| Tier 1 risk-based capital ratio | 23.8581% | 972 |
| Total risk-based capital ratio | 24.5337% | 1,021 |
| Memoranda: | ||
| Average total assets | $6,560,063,000 | 161 |
| Average earning assets | $5,757,541,330 | 160 |
| Average equity | $1,560,142,330 | 99 |
| Average total loans | $4,142,122,000 | 174 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 2,710 |
| Cost of funding earning assets | 0.3975% | 3,335 |
| Net interest margin | 3.7318% | 2,503 |
| Noninterest income to average assets | 0.1758% | 5,661 |
| Noninterest expense to average assets | 3.4954% | 1,324 |
| Loan and lease loss provision to assets | -0.1441% | 6,231 |
| Net operating income to assets | 0.1760% | 5,734 |
| Return on assets (ROA) | 0.1760% | 5,809 |
| Pretax return on assets | 0.2373% | 5,776 |
| Return on Equity (ROE) | 0.7821% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.7821% | 5,143 |
| Net charge-offs to loans | -0.3609% | 6,186 |
| Credit loss provision to net charge-offs | 61.7499% | 1,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2109% | 459 |
| Assets per employee ($millions) | 8.4608% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 5,859 |
| Loan loss allowance to noncurrent loans | 90.9785% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 3,722 |
| Noncurrent loans to loans | 0.7950% | 3,257 |
| Net loans and leases to total assets | 65.2769% | 2,882 |
| Net loans and leases to deposits | 90.3474% | 1,356 |
| Net loans and leases to core deposits | 103.7918% | 1,075 |
| Total domestic deposits to total assets | 72.2511% | 6,030 |
| Equity capital to assets | 20.5818% | 202 |
| Core capital (leverage) ratio | 20.0257% | 205 |
| Tier 1 risk-based capital ratio | 25.1118% | 879 |
| Total risk-based capital ratio | 25.8725% | 909 |
| Memoranda: | ||
| Average total assets | $6,110,740,000 | 167 |
| Average earning assets | $5,588,240,000 | 162 |
| Average equity | $1,374,674,000 | 108 |
| Average total loans | $3,952,569,500 | 176 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 2,086 |
| Cost of funding earning assets | 1.2890% | 57 |
| Net interest margin | 3.1564% | 5,055 |
| Noninterest income to average assets | 1.6571% | 465 |
| Noninterest expense to average assets | 5.9539% | 187 |
| Loan and lease loss provision to assets | -0.3328% | 6,387 |
| Net operating income to assets | -1.1559% | 6,399 |
| Return on assets (ROA) | -1.1697% | 6,400 |
| Pretax return on assets | -1.1294% | 6,385 |
| Return on Equity (ROE) | -5.9930% | 6,314 |
| Retained earnings to average equity (ytd only) | -5.9930% | 6,223 |
| Net charge-offs to loans | 1.1028% | 257 |
| Credit loss provision to net charge-offs | -46.1623% | 5,411 |
| Earnings coverage of net charge-offs (x) | -2.0091% | 4,837 |
| Efficiency ratio | 77.7633% | 2,240 |
| Assets per employee ($millions) | 5.8486% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 5,544 |
| Loan loss allowance to noncurrent loans | 80.9636% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 2,788 |
| Noncurrent loans to loans | 1.0830% | 2,657 |
| Net loans and leases to total assets | 62.8203% | 3,391 |
| Net loans and leases to deposits | 99.9546% | 626 |
| Net loans and leases to core deposits | 110.8086% | 743 |
| Total domestic deposits to total assets | 62.8488% | 6,373 |
| Equity capital to assets | 24.8327% | 100 |
| Core capital (leverage) ratio | 20.0066% | 211 |
| Tier 1 risk-based capital ratio | 34.7974% | 345 |
| Total risk-based capital ratio | 35.7730% | 349 |
| Memoranda: | ||
| Average total assets | $7,696,864,200 | 135 |
| Average earning assets | $6,945,660,000 | 130 |
| Average equity | $1,502,226,600 | 101 |
| Average total loans | $5,031,481,600 | 139 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 2,012 |
| Cost of funding earning assets | 1.1720% | 98 |
| Net interest margin | 3.2905% | 4,643 |
| Noninterest income to average assets | 1.6904% | 458 |
| Noninterest expense to average assets | 6.3012% | 164 |
| Loan and lease loss provision to assets | -0.4050% | 6,509 |
| Net operating income to assets | -1.2784% | 6,490 |
| Return on assets (ROA) | -1.3069% | 6,488 |
| Pretax return on assets | -1.2658% | 6,477 |
| Return on Equity (ROE) | -7.0148% | 6,408 |
| Retained earnings to average equity (ytd only) | -7.0148% | 6,326 |
| Net charge-offs to loans | 1.3390% | 197 |
| Credit loss provision to net charge-offs | -46.0345% | 5,334 |
| Earnings coverage of net charge-offs (x) | -1.8667% | 4,564 |
| Efficiency ratio | 69.8622% | 3,534 |
| Assets per employee ($millions) | 6.3183% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 6,125 |
| Loan loss allowance to noncurrent loans | 65.6197% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 2,928 |
| Noncurrent loans to loans | 1.0399% | 2,993 |
| Net loans and leases to total assets | 65.7703% | 2,904 |
| Net loans and leases to deposits | 101.1138% | 554 |
| Net loans and leases to core deposits | 109.7349% | 754 |
| Total domestic deposits to total assets | 65.0459% | 6,421 |
| Equity capital to assets | 19.1702% | 262 |
| Core capital (leverage) ratio | 15.5616% | 533 |
| Tier 1 risk-based capital ratio | 26.5696% | 743 |
| Total risk-based capital ratio | 27.2954% | 762 |
| Memoranda: | ||
| Average total assets | $8,245,187,500 | 126 |
| Average earning assets | $7,438,350,000 | 123 |
| Average equity | $1,536,112,250 | 99 |
| Average total loans | $5,417,365,750 | 129 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 1,970 |
| Cost of funding earning assets | 0.7959% | 725 |
| Net interest margin | 3.6609% | 3,106 |
| Noninterest income to average assets | 1.2297% | 774 |
| Noninterest expense to average assets | 7.4286% | 122 |
| Loan and lease loss provision to assets | -0.7276% | 6,617 |
| Net operating income to assets | -2.2352% | 6,601 |
| Return on assets (ROA) | -2.2352% | 6,603 |
| Pretax return on assets | -2.1959% | 6,594 |
| Return on Equity (ROE) | -12.0942% | 6,533 |
| Retained earnings to average equity (ytd only) | -12.0942% | 6,457 |
| Net charge-offs to loans | 0.7210% | 533 |
| Credit loss provision to net charge-offs | -153.9187% | 5,348 |
| Earnings coverage of net charge-offs (x) | -6.1845% | 4,300 |
| Efficiency ratio | 68.0893% | 3,994 |
| Assets per employee ($millions) | 6.1068% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 4,996 |
| Loan loss allowance to noncurrent loans | 75.6654% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2575% | 2,593 |
| Noncurrent loans to loans | 1.4237% | 2,425 |
| Net loans and leases to total assets | 66.3687% | 2,700 |
| Net loans and leases to deposits | 93.7137% | 983 |
| Net loans and leases to core deposits | 103.2226% | 1,066 |
| Total domestic deposits to total assets | 70.8207% | 6,318 |
| Equity capital to assets | 16.3976% | 489 |
| Core capital (leverage) ratio | 14.0343% | 821 |
| Tier 1 risk-based capital ratio | 21.9652% | 1,262 |
| Total risk-based capital ratio | 23.0955% | 1,258 |
| Memoranda: | ||
| Average total assets | $8,615,781,670 | 122 |
| Average earning assets | $7,708,443,670 | 120 |
| Average equity | $1,592,320,670 | 93 |
| Average total loans | $5,648,521,330 | 123 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,651 |
| Cost of funding earning assets | 0.7902% | 784 |
| Net interest margin | 3.7577% | 2,648 |
| Noninterest income to average assets | 1.0237% | 1,075 |
| Noninterest expense to average assets | 2.9051% | 3,190 |
| Loan and lease loss provision to assets | -0.2989% | 6,614 |
| Net operating income to assets | 1.7193% | 554 |
| Return on assets (ROA) | 1.7193% | 574 |
| Pretax return on assets | 1.7579% | 865 |
| Return on Equity (ROE) | 8.8321% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.8321% | 1,300 |
| Net charge-offs to loans | -0.1901% | 6,371 |
| Credit loss provision to net charge-offs | 242.4926% | 922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8581% | 4,553 |
| Assets per employee ($millions) | 6.4323% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 1,725 |
| Loan loss allowance to noncurrent loans | 104.5805% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 2,391 |
| Noncurrent loans to loans | 1.8247% | 2,107 |
| Net loans and leases to total assets | 63.0402% | 3,068 |
| Net loans and leases to deposits | 91.3617% | 999 |
| Net loans and leases to core deposits | 101.6942% | 1,003 |
| Total domestic deposits to total assets | 69.0006% | 6,481 |
| Equity capital to assets | 19.7054% | 225 |
| Core capital (leverage) ratio | 16.3661% | 434 |
| Tier 1 risk-based capital ratio | 25.1246% | 876 |
| Total risk-based capital ratio | 26.3837% | 860 |
| Memoranda: | ||
| Average total assets | $8,774,089,500 | 120 |
| Average earning assets | $7,799,740,500 | 119 |
| Average equity | $1,708,050,000 | 82 |
| Average total loans | $5,688,768,500 | 123 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 2,152 |
| Cost of funding earning assets | 0.8989% | 741 |
| Net interest margin | 3.6157% | 3,394 |
| Noninterest income to average assets | 0.6864% | 2,619 |
| Noninterest expense to average assets | 2.8384% | 3,576 |
| Loan and lease loss provision to assets | -0.1679% | 6,565 |
| Net operating income to assets | 1.1831% | 1,635 |
| Return on assets (ROA) | 1.1831% | 1,696 |
| Pretax return on assets | 1.2150% | 2,516 |
| Return on Equity (ROE) | 6.2345% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.2345% | 1,825 |
| Net charge-offs to loans | 0.8687% | 706 |
| Credit loss provision to net charge-offs | -29.4372% | 5,741 |
| Earnings coverage of net charge-offs (x) | 1.8359% | 4,435 |
| Efficiency ratio | 72.2523% | 3,429 |
| Assets per employee ($millions) | 6.3490% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 1,673 |
| Loan loss allowance to noncurrent loans | 73.8199% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.0741% | 1,727 |
| Noncurrent loans to loans | 2.6420% | 1,403 |
| Net loans and leases to total assets | 64.1323% | 3,022 |
| Net loans and leases to deposits | 93.1624% | 942 |
| Net loans and leases to core deposits | 103.4406% | 948 |
| Total domestic deposits to total assets | 68.8392% | 6,563 |
| Equity capital to assets | 19.2275% | 248 |
| Core capital (leverage) ratio | 15.9184% | 477 |
| Tier 1 risk-based capital ratio | 24.2136% | 932 |
| Total risk-based capital ratio | 25.4733% | 920 |
| Memoranda: | ||
| Average total assets | $8,766,000,400 | 121 |
| Average earning assets | $7,756,130,800 | 121 |
| Average equity | $1,663,545,000 | 84 |
| Average total loans | $5,755,257,400 | 120 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,159 |
| Cost of funding earning assets | 0.9233% | 729 |
| Net interest margin | 3.5959% | 3,462 |
| Noninterest income to average assets | 0.6701% | 2,779 |
| Noninterest expense to average assets | 2.8375% | 3,537 |
| Loan and lease loss provision to assets | 0.0032% | 4,893 |
| Net operating income to assets | 0.9669% | 2,514 |
| Return on assets (ROA) | 0.9669% | 2,614 |
| Pretax return on assets | 1.0096% | 3,471 |
| Return on Equity (ROE) | 5.1120% | 4,668 |
| Retained earnings to average equity (ytd only) | 5.1120% | 2,995 |
| Net charge-offs to loans | 1.1543% | 477 |
| Credit loss provision to net charge-offs | 0.4210% | 4,339 |
| Earnings coverage of net charge-offs (x) | 1.3352% | 4,393 |
| Efficiency ratio | 72.8891% | 3,244 |
| Assets per employee ($millions) | 6.3899% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1977% | 1,329 |
| Loan loss allowance to noncurrent loans | 71.1901% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.4093% | 1,611 |
| Noncurrent loans to loans | 3.0871% | 1,293 |
| Net loans and leases to total assets | 64.0010% | 3,000 |
| Net loans and leases to deposits | 93.3454% | 876 |
| Net loans and leases to core deposits | 102.7492% | 945 |
| Total domestic deposits to total assets | 68.5637% | 6,648 |
| Equity capital to assets | 18.8896% | 265 |
| Core capital (leverage) ratio | 15.4652% | 567 |
| Tier 1 risk-based capital ratio | 23.9405% | 1,014 |
| Total risk-based capital ratio | 25.2041% | 998 |
| Memoranda: | ||
| Average total assets | $8,768,699,250 | 121 |
| Average earning assets | $7,755,225,500 | 122 |
| Average equity | $1,658,578,750 | 84 |
| Average total loans | $5,762,422,250 | 118 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 2,262 |
| Cost of funding earning assets | 0.9687% | 647 |
| Net interest margin | 3.5150% | 3,720 |
| Noninterest income to average assets | 0.6736% | 2,774 |
| Noninterest expense to average assets | 2.8823% | 3,393 |
| Loan and lease loss provision to assets | -0.1038% | 6,718 |
| Net operating income to assets | 0.9575% | 2,525 |
| Return on assets (ROA) | 0.9575% | 2,674 |
| Pretax return on assets | 1.0003% | 3,510 |
| Return on Equity (ROE) | 5.0601% | 4,694 |
| Retained earnings to average equity (ytd only) | 5.0601% | 3,016 |
| Net charge-offs to loans | 1.2731% | 447 |
| Credit loss provision to net charge-offs | -12.3933% | 5,458 |
| Earnings coverage of net charge-offs (x) | 1.0700% | 4,175 |
| Efficiency ratio | 75.4542% | 2,866 |
| Assets per employee ($millions) | 6.3428% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,231 |
| Loan loss allowance to noncurrent loans | 68.0113% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.6880% | 1,552 |
| Noncurrent loans to loans | 3.4057% | 1,251 |
| Net loans and leases to total assets | 64.5720% | 2,827 |
| Net loans and leases to deposits | 93.5200% | 844 |
| Net loans and leases to core deposits | 103.1461% | 879 |
| Total domestic deposits to total assets | 69.0462% | 6,688 |
| Equity capital to assets | 18.6626% | 275 |
| Core capital (leverage) ratio | 15.2751% | 567 |
| Tier 1 risk-based capital ratio | 23.4049% | 1,072 |
| Total risk-based capital ratio | 24.6703% | 1,053 |
| Memoranda: | ||
| Average total assets | $8,754,379,670 | 122 |
| Average earning assets | $7,733,780,670 | 122 |
| Average equity | $1,656,609,670 | 84 |
| Average total loans | $5,761,137,000 | 117 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 2,028 |
| Cost of funding earning assets | 0.9964% | 624 |
| Net interest margin | 3.5419% | 3,510 |
| Noninterest income to average assets | 0.5841% | 3,226 |
| Noninterest expense to average assets | 2.9204% | 3,270 |
| Loan and lease loss provision to assets | 0.0923% | 3,118 |
| Net operating income to assets | 0.6514% | 3,953 |
| Return on assets (ROA) | 0.6514% | 4,109 |
| Pretax return on assets | 0.6944% | 4,602 |
| Return on Equity (ROE) | 3.4186% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.4186% | 4,202 |
| Net charge-offs to loans | 1.3232% | 426 |
| Credit loss provision to net charge-offs | 10.6211% | 3,138 |
| Earnings coverage of net charge-offs (x) | 0.9054% | 3,533 |
| Efficiency ratio | 77.9380% | 2,616 |
| Assets per employee ($millions) | 6.1872% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8020% | 818 |
| Loan loss allowance to noncurrent loans | 74.3862% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.9519% | 1,526 |
| Noncurrent loans to loans | 3.7668% | 1,230 |
| Net loans and leases to total assets | 63.1906% | 2,854 |
| Net loans and leases to deposits | 90.3850% | 935 |
| Net loans and leases to core deposits | 98.7420% | 1,031 |
| Total domestic deposits to total assets | 69.9127% | 6,764 |
| Equity capital to assets | 19.0137% | 263 |
| Core capital (leverage) ratio | 14.9613% | 597 |
| Tier 1 risk-based capital ratio | 23.1372% | 1,136 |
| Total risk-based capital ratio | 24.4087% | 1,114 |
| Memoranda: | ||
| Average total assets | $8,716,965,000 | 126 |
| Average earning assets | $7,685,870,000 | 126 |
| Average equity | $1,661,034,000 | 84 |
| Average total loans | $5,723,513,500 | 120 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 1,992 |
| Cost of funding earning assets | 1.1483% | 741 |
| Net interest margin | 3.7109% | 3,600 |
| Noninterest income to average assets | 0.7501% | 2,497 |
| Noninterest expense to average assets | 2.9625% | 3,417 |
| Loan and lease loss provision to assets | 0.6017% | 915 |
| Net operating income to assets | 0.3992% | 5,105 |
| Return on assets (ROA) | 0.3860% | 5,390 |
| Pretax return on assets | 0.4293% | 5,484 |
| Return on Equity (ROE) | 2.0319% | 5,890 |
| Retained earnings to average equity (ytd only) | 2.0319% | 4,798 |
| Net charge-offs to loans | 1.9663% | 371 |
| Credit loss provision to net charge-offs | 46.2200% | 4,778 |
| Earnings coverage of net charge-offs (x) | 0.8033% | 5,069 |
| Efficiency ratio | 73.1252% | 3,218 |
| Assets per employee ($millions) | 6.1949% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0651% | 626 |
| Loan loss allowance to noncurrent loans | 74.9743% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 3.2983% | 1,395 |
| Noncurrent loans to loans | 4.0882% | 1,137 |
| Net loans and leases to total assets | 64.2798% | 2,848 |
| Net loans and leases to deposits | 91.8209% | 927 |
| Net loans and leases to core deposits | 99.8384% | 1,038 |
| Total domestic deposits to total assets | 70.0057% | 6,783 |
| Equity capital to assets | 19.0971% | 264 |
| Core capital (leverage) ratio | 14.9993% | 568 |
| Tier 1 risk-based capital ratio | 22.7654% | 1,145 |
| Total risk-based capital ratio | 24.0407% | 1,128 |
| Memoranda: | ||
| Average total assets | $8,648,544,000 | 125 |
| Average earning assets | $7,593,246,000 | 123 |
| Average equity | $1,643,006,800 | 81 |
| Average total loans | $5,726,167,200 | 114 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 1,870 |
| Cost of funding earning assets | 1.1879% | 730 |
| Net interest margin | 3.7499% | 3,554 |
| Noninterest income to average assets | 0.6584% | 2,944 |
| Noninterest expense to average assets | 2.9389% | 3,450 |
| Loan and lease loss provision to assets | 0.6770% | 764 |
| Net operating income to assets | 0.2906% | 5,645 |
| Return on assets (ROA) | 0.2915% | 5,845 |
| Pretax return on assets | 0.3348% | 5,887 |
| Return on Equity (ROE) | 1.5363% | 6,149 |
| Retained earnings to average equity (ytd only) | 1.5363% | 5,569 |
| Net charge-offs to loans | 2.0934% | 329 |
| Credit loss provision to net charge-offs | 48.8662% | 4,427 |
| Earnings coverage of net charge-offs (x) | 0.7296% | 4,962 |
| Efficiency ratio | 73.6100% | 3,045 |
| Assets per employee ($millions) | 6.1203% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3413% | 533 |
| Loan loss allowance to noncurrent loans | 70.2215% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 3.7616% | 1,310 |
| Noncurrent loans to loans | 4.7582% | 978 |
| Net loans and leases to total assets | 64.2703% | 2,983 |
| Net loans and leases to deposits | 91.6728% | 1,001 |
| Net loans and leases to core deposits | 99.7816% | 1,136 |
| Total domestic deposits to total assets | 70.1084% | 6,835 |
| Equity capital to assets | 19.1603% | 289 |
| Core capital (leverage) ratio | 14.7898% | 649 |
| Tier 1 risk-based capital ratio | 22.1443% | 1,304 |
| Total risk-based capital ratio | 23.4222% | 1,279 |
| Memoranda: | ||
| Average total assets | $8,640,911,500 | 124 |
| Average earning assets | $7,584,477,750 | 123 |
| Average equity | $1,639,396,000 | 82 |
| Average total loans | $5,718,884,250 | 115 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 1,795 |
| Cost of funding earning assets | 1.2171% | 761 |
| Net interest margin | 3.7811% | 3,452 |
| Noninterest income to average assets | 0.7401% | 2,469 |
| Noninterest expense to average assets | 3.0108% | 3,219 |
| Loan and lease loss provision to assets | 0.6939% | 797 |
| Net operating income to assets | 0.3122% | 5,575 |
| Return on assets (ROA) | 0.3122% | 5,780 |
| Pretax return on assets | 0.3555% | 5,812 |
| Return on Equity (ROE) | 1.6510% | 6,152 |
| Retained earnings to average equity (ytd only) | 1.6510% | 5,376 |
| Net charge-offs to loans | 2.2732% | 330 |
| Credit loss provision to net charge-offs | 46.1903% | 4,125 |
| Earnings coverage of net charge-offs (x) | 0.6985% | 4,704 |
| Efficiency ratio | 73.3812% | 3,177 |
| Assets per employee ($millions) | 6.1793% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5102% | 493 |
| Loan loss allowance to noncurrent loans | 70.1871% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 3.8859% | 1,337 |
| Noncurrent loans to loans | 5.0012% | 987 |
| Net loans and leases to total assets | 64.0418% | 3,024 |
| Net loans and leases to deposits | 89.9183% | 1,155 |
| Net loans and leases to core deposits | 98.1948% | 1,255 |
| Total domestic deposits to total assets | 71.2222% | 6,844 |
| Equity capital to assets | 18.9430% | 284 |
| Core capital (leverage) ratio | 14.5958% | 680 |
| Tier 1 risk-based capital ratio | 21.4828% | 1,390 |
| Total risk-based capital ratio | 22.7621% | 1,356 |
| Memoranda: | ||
| Average total assets | $8,654,868,330 | 122 |
| Average earning assets | $7,599,625,000 | 122 |
| Average equity | $1,636,659,670 | 84 |
| Average total loans | $5,719,287,330 | 112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 1,511 |
| Cost of funding earning assets | 1.2206% | 892 |
| Net interest margin | 3.9043% | 2,898 |
| Noninterest income to average assets | 0.5930% | 3,280 |
| Noninterest expense to average assets | 3.0115% | 3,200 |
| Loan and lease loss provision to assets | 0.6812% | 779 |
| Net operating income to assets | 0.2842% | 5,708 |
| Return on assets (ROA) | 0.2842% | 5,873 |
| Pretax return on assets | 0.3275% | 5,914 |
| Return on Equity (ROE) | 1.5042% | 6,222 |
| Retained earnings to average equity (ytd only) | 1.5042% | 5,488 |
| Net charge-offs to loans | 2.4168% | 349 |
| Credit loss provision to net charge-offs | 42.7448% | 3,404 |
| Earnings coverage of net charge-offs (x) | 0.6330% | 4,018 |
| Efficiency ratio | 74.1279% | 3,085 |
| Assets per employee ($millions) | 6.3244% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8611% | 412 |
| Loan loss allowance to noncurrent loans | 63.0821% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 4.4621% | 1,202 |
| Noncurrent loans to loans | 6.1207% | 816 |
| Net loans and leases to total assets | 62.2458% | 3,209 |
| Net loans and leases to deposits | 86.5894% | 1,343 |
| Net loans and leases to core deposits | 94.7061% | 1,397 |
| Total domestic deposits to total assets | 71.8862% | 6,887 |
| Equity capital to assets | 18.8393% | 291 |
| Core capital (leverage) ratio | 14.4825% | 694 |
| Tier 1 risk-based capital ratio | 21.2795% | 1,431 |
| Total risk-based capital ratio | 22.5625% | 1,398 |
| Memoranda: | ||
| Average total assets | $8,647,545,500 | 121 |
| Average earning assets | $7,591,006,000 | 123 |
| Average equity | $1,633,857,000 | 83 |
| Average total loans | $5,701,884,500 | 113 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 2,046 |
| Cost of funding earning assets | 1.3969% | 1,052 |
| Net interest margin | 3.8058% | 3,786 |
| Noninterest income to average assets | 0.8323% | 1,917 |
| Noninterest expense to average assets | 2.9648% | 3,724 |
| Loan and lease loss provision to assets | 0.9996% | 947 |
| Net operating income to assets | 0.1721% | 5,668 |
| Return on assets (ROA) | 0.1980% | 5,726 |
| Pretax return on assets | 0.2404% | 5,689 |
| Return on Equity (ROE) | 1.0864% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.0864% | 5,346 |
| Net charge-offs to loans | 3.0282% | 317 |
| Credit loss provision to net charge-offs | 46.7362% | 5,496 |
| Earnings coverage of net charge-offs (x) | 0.5650% | 5,408 |
| Efficiency ratio | 70.3089% | 3,886 |
| Assets per employee ($millions) | 6.2088% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1014% | 356 |
| Loan loss allowance to noncurrent loans | 62.4093% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 4.7881% | 1,133 |
| Noncurrent loans to loans | 6.5717% | 704 |
| Net loans and leases to total assets | 64.3853% | 3,096 |
| Net loans and leases to deposits | 89.8315% | 1,177 |
| Net loans and leases to core deposits | 98.2496% | 1,311 |
| Total domestic deposits to total assets | 71.6734% | 6,893 |
| Equity capital to assets | 18.9490% | 282 |
| Core capital (leverage) ratio | 14.4075% | 735 |
| Tier 1 risk-based capital ratio | 20.4710% | 1,532 |
| Total risk-based capital ratio | 21.7565% | 1,490 |
| Memoranda: | ||
| Average total assets | $8,851,876,000 | 120 |
| Average earning assets | $7,770,335,200 | 121 |
| Average equity | $1,613,611,800 | 82 |
| Average total loans | $6,251,920,400 | 104 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 2,075 |
| Cost of funding earning assets | 1.4394% | 1,070 |
| Net interest margin | 3.7967% | 3,894 |
| Noninterest income to average assets | 0.8023% | 2,048 |
| Noninterest expense to average assets | 2.9471% | 3,750 |
| Loan and lease loss provision to assets | 0.7883% | 1,187 |
| Net operating income to assets | 0.3594% | 5,165 |
| Return on assets (ROA) | 0.3594% | 5,353 |
| Pretax return on assets | 0.4014% | 5,466 |
| Return on Equity (ROE) | 1.9905% | 5,780 |
| Retained earnings to average equity (ytd only) | 1.9905% | 5,142 |
| Net charge-offs to loans | 2.9633% | 319 |
| Credit loss provision to net charge-offs | 37.2226% | 5,295 |
| Earnings coverage of net charge-offs (x) | 0.5618% | 5,207 |
| Efficiency ratio | 70.5028% | 3,856 |
| Assets per employee ($millions) | 6.2366% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1843% | 345 |
| Loan loss allowance to noncurrent loans | 63.0469% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 4.8760% | 1,189 |
| Noncurrent loans to loans | 6.6369% | 786 |
| Net loans and leases to total assets | 65.1871% | 3,066 |
| Net loans and leases to deposits | 90.5815% | 1,149 |
| Net loans and leases to core deposits | 98.5999% | 1,381 |
| Total domestic deposits to total assets | 71.9651% | 6,937 |
| Equity capital to assets | 18.7554% | 331 |
| Core capital (leverage) ratio | 14.1453% | 868 |
| Tier 1 risk-based capital ratio | 19.9998% | 1,684 |
| Total risk-based capital ratio | 21.2863% | 1,646 |
| Memoranda: | ||
| Average total assets | $8,913,508,750 | 118 |
| Average earning assets | $7,828,426,500 | 119 |
| Average equity | $1,609,358,500 | 82 |
| Average total loans | $6,370,517,250 | 102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 2,017 |
| Cost of funding earning assets | 1.4725% | 1,104 |
| Net interest margin | 3.7902% | 3,834 |
| Noninterest income to average assets | 0.8161% | 1,946 |
| Noninterest expense to average assets | 2.9505% | 3,831 |
| Loan and lease loss provision to assets | 0.7370% | 1,262 |
| Net operating income to assets | 0.4145% | 4,875 |
| Return on assets (ROA) | 0.4145% | 5,031 |
| Pretax return on assets | 0.4563% | 5,202 |
| Return on Equity (ROE) | 2.3252% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.3252% | 4,809 |
| Net charge-offs to loans | 2.9512% | 354 |
| Credit loss provision to net charge-offs | 34.4054% | 4,922 |
| Earnings coverage of net charge-offs (x) | 0.5570% | 4,887 |
| Efficiency ratio | 70.4713% | 4,027 |
| Assets per employee ($millions) | 6.3380% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4436% | 289 |
| Loan loss allowance to noncurrent loans | 66.2401% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 4.9979% | 1,230 |
| Noncurrent loans to loans | 6.7084% | 802 |
| Net loans and leases to total assets | 66.2598% | 2,978 |
| Net loans and leases to deposits | 91.1156% | 1,146 |
| Net loans and leases to core deposits | 98.8759% | 1,441 |
| Total domestic deposits to total assets | 72.7206% | 6,956 |
| Equity capital to assets | 18.1428% | 375 |
| Core capital (leverage) ratio | 13.8249% | 919 |
| Tier 1 risk-based capital ratio | 19.3527% | 1,751 |
| Total risk-based capital ratio | 20.6430% | 1,710 |
| Memoranda: | ||
| Average total assets | $8,970,114,000 | 119 |
| Average earning assets | $7,875,596,670 | 118 |
| Average equity | $1,599,174,000 | 84 |
| Average total loans | $6,511,132,000 | 101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 1,931 |
| Cost of funding earning assets | 1.4959% | 1,180 |
| Net interest margin | 3.7846% | 3,679 |
| Noninterest income to average assets | 0.8251% | 1,944 |
| Noninterest expense to average assets | 2.8822% | 4,137 |
| Loan and lease loss provision to assets | 0.3585% | 2,405 |
| Net operating income to assets | 0.8639% | 2,728 |
| Return on assets (ROA) | 0.8639% | 2,789 |
| Pretax return on assets | 0.9055% | 3,474 |
| Return on Equity (ROE) | 4.8884% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.8884% | 3,259 |
| Net charge-offs to loans | 2.5063% | 458 |
| Credit loss provision to net charge-offs | 19.2789% | 4,260 |
| Earnings coverage of net charge-offs (x) | 0.6797% | 4,113 |
| Efficiency ratio | 68.7857% | 4,512 |
| Assets per employee ($millions) | 6.5773% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7299% | 238 |
| Loan loss allowance to noncurrent loans | 67.5198% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 5.4324% | 1,121 |
| Noncurrent loans to loans | 7.0053% | 790 |
| Net loans and leases to total assets | 68.0601% | 2,540 |
| Net loans and leases to deposits | 92.9794% | 921 |
| Net loans and leases to core deposits | 101.3303% | 1,250 |
| Total domestic deposits to total assets | 73.1992% | 6,979 |
| Equity capital to assets | 17.7615% | 382 |
| Core capital (leverage) ratio | 13.6165% | 933 |
| Tier 1 risk-based capital ratio | 18.7488% | 1,881 |
| Total risk-based capital ratio | 20.0432% | 1,828 |
| Memoranda: | ||
| Average total assets | $8,996,369,000 | 122 |
| Average earning assets | $7,894,609,500 | 120 |
| Average equity | $1,589,808,000 | 84 |
| Average total loans | $6,674,916,500 | 100 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4752% | 2,377 |
| Cost of funding earning assets | 1.9061% | 828 |
| Net interest margin | 3.5691% | 4,967 |
| Noninterest income to average assets | 0.5205% | 4,021 |
| Noninterest expense to average assets | 3.1092% | 3,416 |
| Loan and lease loss provision to assets | 4.0621% | 154 |
| Net operating income to assets | -3.5621% | 7,381 |
| Return on assets (ROA) | -3.5581% | 7,397 |
| Pretax return on assets | -3.5145% | 7,370 |
| Return on Equity (ROE) | -26.4327% | 7,166 |
| Retained earnings to average equity (ytd only) | -26.4327% | 7,151 |
| Net charge-offs to loans | 8.5440% | 28 |
| Credit loss provision to net charge-offs | 60.0554% | 6,081 |
| Earnings coverage of net charge-offs (x) | 0.0804% | 6,042 |
| Efficiency ratio | 84.2386% | 1,891 |
| Assets per employee ($millions) | 6.4573% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8801% | 206 |
| Loan loss allowance to noncurrent loans | 51.3425% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 7.8488% | 646 |
| Noncurrent loans to loans | 9.5050% | 461 |
| Net loans and leases to total assets | 73.1976% | 1,825 |
| Net loans and leases to deposits | 99.9603% | 583 |
| Net loans and leases to core deposits | 109.0262% | 983 |
| Total domestic deposits to total assets | 73.2267% | 6,978 |
| Equity capital to assets | 17.5818% | 398 |
| Core capital (leverage) ratio | 12.8574% | 1,177 |
| Tier 1 risk-based capital ratio | 17.5714% | 2,147 |
| Total risk-based capital ratio | 18.8695% | 2,092 |
| Memoranda: | ||
| Average total assets | $9,902,435,600 | 111 |
| Average earning assets | $8,690,381,600 | 110 |
| Average equity | $1,332,965,800 | 96 |
| Average total loans | $7,839,425,400 | 91 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 2,598 |
| Cost of funding earning assets | 1.9853% | 789 |
| Net interest margin | 3.4758% | 5,386 |
| Noninterest income to average assets | 0.6446% | 3,157 |
| Noninterest expense to average assets | 2.8848% | 4,153 |
| Loan and lease loss provision to assets | 3.2207% | 249 |
| Net operating income to assets | -2.4543% | 7,338 |
| Return on assets (ROA) | -2.4491% | 7,350 |
| Pretax return on assets | -2.4046% | 7,299 |
| Return on Equity (ROE) | -19.5205% | 7,211 |
| Retained earnings to average equity (ytd only) | -19.5205% | 7,194 |
| Net charge-offs to loans | 5.2921% | 152 |
| Credit loss provision to net charge-offs | 76.3992% | 5,241 |
| Earnings coverage of net charge-offs (x) | 0.1924% | 5,824 |
| Efficiency ratio | 77.1680% | 2,742 |
| Assets per employee ($millions) | 6.7597% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0600% | 58 |
| Loan loss allowance to noncurrent loans | 77.8109% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 7.8482% | 651 |
| Noncurrent loans to loans | 9.0732% | 524 |
| Net loans and leases to total assets | 74.5988% | 1,664 |
| Net loans and leases to deposits | 102.0578% | 532 |
| Net loans and leases to core deposits | 111.3864% | 964 |
| Total domestic deposits to total assets | 73.0946% | 7,023 |
| Equity capital to assets | 16.1030% | 654 |
| Core capital (leverage) ratio | 11.7349% | 1,799 |
| Tier 1 risk-based capital ratio | 15.4860% | 3,006 |
| Total risk-based capital ratio | 16.8154% | 2,926 |
| Memoranda: | ||
| Average total assets | $10,129,298,750 | 107 |
| Average earning assets | $8,891,679,250 | 106 |
| Average equity | $1,270,836,750 | 100 |
| Average total loans | $8,068,804,000 | 89 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 2,851 |
| Cost of funding earning assets | 2.0457% | 783 |
| Net interest margin | 3.3829% | 5,705 |
| Noninterest income to average assets | 0.6576% | 2,970 |
| Noninterest expense to average assets | 2.7666% | 4,634 |
| Loan and lease loss provision to assets | 4.0775% | 183 |
| Net operating income to assets | -3.2468% | 7,540 |
| Return on assets (ROA) | -3.2392% | 7,544 |
| Pretax return on assets | -3.2087% | 7,499 |
| Return on Equity (ROE) | -28.2174% | 7,411 |
| Retained earnings to average equity (ytd only) | -28.2174% | 7,397 |
| Net charge-offs to loans | 5.4302% | 174 |
| Credit loss provision to net charge-offs | 94.4815% | 4,285 |
| Earnings coverage of net charge-offs (x) | 0.1996% | 5,525 |
| Efficiency ratio | 75.2945% | 3,209 |
| Assets per employee ($millions) | 7.1213% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5648% | 44 |
| Loan loss allowance to noncurrent loans | 83.2961% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 7.6310% | 666 |
| Noncurrent loans to loans | 9.0818% | 522 |
| Net loans and leases to total assets | 73.3566% | 2,070 |
| Net loans and leases to deposits | 99.6300% | 755 |
| Net loans and leases to core deposits | 111.9857% | 1,032 |
| Total domestic deposits to total assets | 73.6290% | 7,025 |
| Equity capital to assets | 12.8697% | 1,622 |
| Core capital (leverage) ratio | 8.7673% | 4,979 |
| Tier 1 risk-based capital ratio | 11.6599% | 5,619 |
| Total risk-based capital ratio | 12.9970% | 5,505 |
| Memoranda: | ||
| Average total assets | $10,389,529,670 | 102 |
| Average earning assets | $9,122,156,000 | 102 |
| Average equity | $1,192,648,330 | 101 |
| Average total loans | $8,257,169,670 | 83 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4638% | 2,763 |
| Cost of funding earning assets | 2.0870% | 851 |
| Net interest margin | 3.3769% | 5,681 |
| Noninterest income to average assets | 0.5950% | 3,307 |
| Noninterest expense to average assets | 2.6120% | 5,305 |
| Loan and lease loss provision to assets | 4.9533% | 162 |
| Net operating income to assets | -4.0343% | 7,717 |
| Return on assets (ROA) | -4.0345% | 7,720 |
| Pretax return on assets | -4.0050% | 7,689 |
| Return on Equity (ROE) | -37.2385% | 7,636 |
| Retained earnings to average equity (ytd only) | -37.2385% | 7,618 |
| Net charge-offs to loans | 5.8493% | 187 |
| Credit loss provision to net charge-offs | 106.4778% | 3,230 |
| Earnings coverage of net charge-offs (x) | 0.2039% | 4,859 |
| Efficiency ratio | 72.3993% | 3,858 |
| Assets per employee ($millions) | 7.4053% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4295% | 46 |
| Loan loss allowance to noncurrent loans | 82.0037% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 7.5159% | 679 |
| Noncurrent loans to loans | 9.0599% | 529 |
| Net loans and leases to total assets | 73.2969% | 2,127 |
| Net loans and leases to deposits | 96.5011% | 1,045 |
| Net loans and leases to core deposits | 111.3272% | 1,199 |
| Total domestic deposits to total assets | 75.9545% | 6,766 |
| Equity capital to assets | 10.8711% | 2,874 |
| Core capital (leverage) ratio | 7.0540% | 7,215 |
| Tier 1 risk-based capital ratio | 9.4220% | 7,341 |
| Total risk-based capital ratio | 10.7576% | 7,295 |
| Memoranda: | ||
| Average total assets | $10,645,654,000 | 100 |
| Average earning assets | $9,349,020,500 | 102 |
| Average equity | $1,153,386,000 | 100 |
| Average total loans | $8,466,449,500 | 82 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5623% | 3,798 |
| Cost of funding earning assets | 2.5329% | 940 |
| Net interest margin | 3.0294% | 6,567 |
| Noninterest income to average assets | 0.2905% | 6,031 |
| Noninterest expense to average assets | 2.7700% | 5,089 |
| Loan and lease loss provision to assets | 6.6703% | 78 |
| Net operating income to assets | -6.2470% | 7,847 |
| Return on assets (ROA) | -6.2938% | 7,843 |
| Pretax return on assets | -6.5066% | 7,839 |
| Return on Equity (ROE) | -59.6992% | 7,753 |
| Retained earnings to average equity (ytd only) | -59.6992% | 7,749 |
| Net charge-offs to loans | 5.4876% | 207 |
| Credit loss provision to net charge-offs | 151.7670% | 3,037 |
| Earnings coverage of net charge-offs (x) | 0.0482% | 6,130 |
| Efficiency ratio | 91.8499% | 1,573 |
| Assets per employee ($millions) | 7.7109% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9764% | 63 |
| Loan loss allowance to noncurrent loans | 75.8709% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 7.6287% | 623 |
| Noncurrent loans to loans | 9.1951% | 483 |
| Net loans and leases to total assets | 74.2939% | 2,200 |
| Net loans and leases to deposits | 97.6028% | 1,148 |
| Net loans and leases to core deposits | 122.1246% | 1,769 |
| Total domestic deposits to total assets | 76.1186% | 6,657 |
| Equity capital to assets | 10.7990% | 2,870 |
| Core capital (leverage) ratio | 7.1523% | 7,108 |
| Tier 1 risk-based capital ratio | 9.4951% | 7,230 |
| Total risk-based capital ratio | 10.8302% | 7,161 |
| Memoranda: | ||
| Average total assets | $11,727,700,200 | 92 |
| Average earning assets | $10,419,552,600 | 93 |
| Average equity | $1,236,400,400 | 95 |
| Average total loans | $9,392,935,600 | 76 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 4,179 |
| Cost of funding earning assets | 2.6017% | 1,026 |
| Net interest margin | 2.9444% | 6,739 |
| Noninterest income to average assets | 0.2103% | 6,723 |
| Noninterest expense to average assets | 2.8414% | 4,716 |
| Loan and lease loss provision to assets | 6.3262% | 90 |
| Net operating income to assets | -6.2697% | 7,941 |
| Return on assets (ROA) | -6.3269% | 7,941 |
| Pretax return on assets | -6.3910% | 7,929 |
| Return on Equity (ROE) | -60.3468% | 7,894 |
| Retained earnings to average equity (ytd only) | -60.3468% | 7,891 |
| Net charge-offs to loans | 5.0262% | 227 |
| Credit loss provision to net charge-offs | 157.0500% | 3,036 |
| Earnings coverage of net charge-offs (x) | -0.0018% | 6,068 |
| Efficiency ratio | 99.1737% | 1,103 |
| Assets per employee ($millions) | 7.6524% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0457% | 83 |
| Loan loss allowance to noncurrent loans | 79.1090% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 6.2794% | 830 |
| Noncurrent loans to loans | 7.6423% | 664 |
| Net loans and leases to total assets | 73.8002% | 2,591 |
| Net loans and leases to deposits | 95.8385% | 1,598 |
| Net loans and leases to core deposits | 121.5656% | 2,109 |
| Total domestic deposits to total assets | 77.0048% | 6,333 |
| Equity capital to assets | 10.4934% | 3,524 |
| Core capital (leverage) ratio | 7.0512% | 7,403 |
| Tier 1 risk-based capital ratio | 9.2665% | 7,507 |
| Total risk-based capital ratio | 10.5871% | 7,457 |
| Memoranda: | ||
| Average total assets | $11,943,476,750 | 95 |
| Average earning assets | $10,644,197,500 | 95 |
| Average equity | $1,252,183,000 | 100 |
| Average total loans | $9,571,900,250 | 79 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6034% | 4,057 |
| Cost of funding earning assets | 2.6812% | 1,074 |
| Net interest margin | 2.9222% | 6,752 |
| Noninterest income to average assets | 0.1232% | 7,362 |
| Noninterest expense to average assets | 2.9368% | 4,350 |
| Loan and lease loss provision to assets | 6.4275% | 121 |
| Net operating income to assets | -6.5029% | 8,024 |
| Return on assets (ROA) | -6.5029% | 8,013 |
| Pretax return on assets | -6.6400% | 7,998 |
| Return on Equity (ROE) | -62.0421% | 7,985 |
| Retained earnings to average equity (ytd only) | -62.0421% | 7,981 |
| Net charge-offs to loans | 4.7425% | 267 |
| Credit loss provision to net charge-offs | 168.0557% | 2,739 |
| Earnings coverage of net charge-offs (x) | -0.0556% | 5,753 |
| Efficiency ratio | 106.6956% | 949 |
| Assets per employee ($millions) | 6.7045% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3041% | 106 |
| Loan loss allowance to noncurrent loans | 78.2266% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 5.7054% | 869 |
| Noncurrent loans to loans | 6.7805% | 744 |
| Net loans and leases to total assets | 76.0000% | 2,179 |
| Net loans and leases to deposits | 99.1718% | 1,373 |
| Net loans and leases to core deposits | 126.2631% | 1,844 |
| Total domestic deposits to total assets | 76.6347% | 6,407 |
| Equity capital to assets | 10.5317% | 3,363 |
| Core capital (leverage) ratio | 7.2051% | 7,352 |
| Tier 1 risk-based capital ratio | 9.2519% | 7,568 |
| Total risk-based capital ratio | 10.5567% | 7,520 |
| Memoranda: | ||
| Average total assets | $12,103,559,000 | 99 |
| Average earning assets | $10,773,382,330 | 99 |
| Average equity | $1,268,618,330 | 104 |
| Average total loans | $9,761,112,330 | 83 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 4,419 |
| Cost of funding earning assets | 2.7981% | 988 |
| Net interest margin | 2.7918% | 7,009 |
| Noninterest income to average assets | 0.0536% | 7,812 |
| Noninterest expense to average assets | 2.6802% | 5,102 |
| Loan and lease loss provision to assets | 7.1763% | 90 |
| Net operating income to assets | -7.0233% | 8,122 |
| Return on assets (ROA) | -7.0234% | 8,114 |
| Pretax return on assets | -7.3182% | 8,090 |
| Return on Equity (ROE) | -67.1609% | 8,104 |
| Retained earnings to average equity (ytd only) | -67.1609% | 8,091 |
| Net charge-offs to loans | 4.4095% | 261 |
| Credit loss provision to net charge-offs | 201.3426% | 2,204 |
| Earnings coverage of net charge-offs (x) | -0.0398% | 5,018 |
| Efficiency ratio | 104.4223% | 970 |
| Assets per employee ($millions) | 6.7425% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6435% | 135 |
| Loan loss allowance to noncurrent loans | 84.1259% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 4.6714% | 1,009 |
| Noncurrent loans to loans | 5.5197% | 926 |
| Net loans and leases to total assets | 75.6126% | 2,360 |
| Net loans and leases to deposits | 97.3957% | 1,755 |
| Net loans and leases to core deposits | 123.4809% | 2,115 |
| Total domestic deposits to total assets | 77.6345% | 6,120 |
| Equity capital to assets | 10.5403% | 3,423 |
| Core capital (leverage) ratio | 7.3493% | 7,323 |
| Tier 1 risk-based capital ratio | 9.4558% | 7,462 |
| Total risk-based capital ratio | 10.7510% | 7,374 |
| Memoranda: | ||
| Average total assets | $12,329,114,000 | 99 |
| Average earning assets | $10,973,226,500 | 99 |
| Average equity | $1,289,328,500 | 99 |
| Average total loans | $9,965,718,500 | 81 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4392% | 3,228 |
| Cost of funding earning assets | 3.3378% | 836 |
| Net interest margin | 3.1014% | 6,650 |
| Noninterest income to average assets | 1.0466% | 1,437 |
| Noninterest expense to average assets | 3.4269% | 2,592 |
| Loan and lease loss provision to assets | 3.6777% | 202 |
| Net operating income to assets | -4.1743% | 8,010 |
| Return on assets (ROA) | -4.3003% | 8,011 |
| Pretax return on assets | -3.4453% | 7,799 |
| Return on Equity (ROE) | -38.5644% | 8,063 |
| Retained earnings to average equity (ytd only) | -38.5644% | 8,029 |
| Net charge-offs to loans | 2.5424% | 372 |
| Credit loss provision to net charge-offs | 181.1956% | 2,774 |
| Earnings coverage of net charge-offs (x) | 0.1766% | 6,142 |
| Efficiency ratio | 87.1378% | 1,752 |
| Assets per employee ($millions) | 5.9870% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3046% | 335 |
| Loan loss allowance to noncurrent loans | 80.4257% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 3.7014% | 1,170 |
| Noncurrent loans to loans | 4.1089% | 1,185 |
| Net loans and leases to total assets | 79.6183% | 1,749 |
| Net loans and leases to deposits | 102.1512% | 1,574 |
| Net loans and leases to core deposits | 126.8189% | 2,097 |
| Total domestic deposits to total assets | 77.9416% | 5,730 |
| Equity capital to assets | 10.3763% | 3,637 |
| Core capital (leverage) ratio | 7.2280% | 7,492 |
| Tier 1 risk-based capital ratio | 8.8915% | 7,849 |
| Total risk-based capital ratio | 10.1687% | 7,855 |
| Memoranda: | ||
| Average total assets | $12,842,091,800 | 93 |
| Average earning assets | $11,340,484,000 | 93 |
| Average equity | $1,432,004,600 | 80 |
| Average total loans | $10,252,481,600 | 80 |