Home > Ridgewood Savings Bank > Performance and Condition Ratios
Ridgewood Savings 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 | 3.6392% | 4,322 |
| Cost of funding earning assets | 1.6650% | 1,527 |
| Net interest margin | 1.9743% | 4,420 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.5762% | 4,270 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3929% | 3,886 |
| Return on assets (ROA) | 0.4994% | 3,668 |
| Pretax return on assets | 0.5847% | 3,664 |
| Return on Equity (ROE) | 4.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.3582% | 2,845 |
| Net charge-offs to loans | 0.0226% | 1,877 |
| Credit loss provision to net charge-offs | 68.6432% | 2,098 |
| Earnings coverage of net charge-offs (x) | 32.5367% | 1,586 |
| Efficiency ratio | 77.0601% | 1,155 |
| Assets per employee ($millions) | 13.5406% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 4,132 |
| Loan loss allowance to noncurrent loans | 54.4513% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 615 |
| Noncurrent loans to loans | 1.2774% | 557 |
| Net loans and leases to total assets | 64.0700% | 2,453 |
| Net loans and leases to deposits | 81.1539% | 2,018 |
| Net loans and leases to core deposits | 91.5998% | 1,938 |
| Total domestic deposits to total assets | 78.9500% | 3,618 |
| Equity capital to assets | 11.7937% | 1,203 |
| Core capital (leverage) ratio | 12.9512% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $6,899,669,800 | 215 |
| Average earning assets | $6,436,386,200 | 207 |
| Average equity | $790,598,200 | 195 |
| Average total loans | $4,408,956,600 | 219 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 4,336 |
| Cost of funding earning assets | 1.5591% | 1,457 |
| Net interest margin | 2.0030% | 4,439 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.5371% | 4,285 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4328% | 3,905 |
| Return on assets (ROA) | 0.5057% | 3,753 |
| Pretax return on assets | 0.5979% | 3,735 |
| Return on Equity (ROE) | 4.4500% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.4460% | 3,125 |
| Net charge-offs to loans | 0.0240% | 1,602 |
| Credit loss provision to net charge-offs | 129.4043% | 1,427 |
| Earnings coverage of net charge-offs (x) | 34.7820% | 1,519 |
| Efficiency ratio | 74.2983% | 1,339 |
| Assets per employee ($millions) | 13.4253% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 4,113 |
| Loan loss allowance to noncurrent loans | 53.4631% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 626 |
| Noncurrent loans to loans | 1.3319% | 573 |
| Net loans and leases to total assets | 64.5900% | 2,376 |
| Net loans and leases to deposits | 80.8134% | 1,988 |
| Net loans and leases to core deposits | 91.0220% | 1,854 |
| Total domestic deposits to total assets | 79.9200% | 3,540 |
| Equity capital to assets | 11.1872% | 1,283 |
| Core capital (leverage) ratio | 12.7212% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $6,881,234,250 | 215 |
| Average earning assets | $6,417,001,250 | 208 |
| Average equity | $782,642,000 | 197 |
| Average total loans | $4,386,336,750 | 223 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 4,355 |
| Cost of funding earning assets | 1.4350% | 1,368 |
| Net interest margin | 2.0552% | 4,476 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.5469% | 4,299 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.4633% | 3,887 |
| Return on assets (ROA) | 0.6517% | 3,457 |
| Pretax return on assets | 0.8175% | 3,365 |
| Return on Equity (ROE) | 5.7000% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.6992% | 2,728 |
| Net charge-offs to loans | 0.0196% | 1,503 |
| Credit loss provision to net charge-offs | -52.1127% | 4,529 |
| Earnings coverage of net charge-offs (x) | 46.4272% | 1,323 |
| Efficiency ratio | 72.9143% | 1,461 |
| Assets per employee ($millions) | 13.2652% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 4,171 |
| Loan loss allowance to noncurrent loans | 58.3994% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 662 |
| Noncurrent loans to loans | 1.2056% | 586 |
| Net loans and leases to total assets | 63.3000% | 2,455 |
| Net loans and leases to deposits | 79.7928% | 2,000 |
| Net loans and leases to core deposits | 89.3052% | 1,847 |
| Total domestic deposits to total assets | 79.3300% | 3,674 |
| Equity capital to assets | 11.4949% | 1,204 |
| Core capital (leverage) ratio | 12.7430% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $6,883,735,333 | 209 |
| Average earning assets | $6,422,678,000 | 203 |
| Average equity | $787,195,667 | 192 |
| Average total loans | $4,357,962,000 | 217 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 4,339 |
| Cost of funding earning assets | 1.3191% | 1,190 |
| Net interest margin | 2.1167% | 4,528 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.5183% | 4,373 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 0.5301% | 3,830 |
| Return on assets (ROA) | 0.7694% | 3,251 |
| Pretax return on assets | 0.9948% | 3,014 |
| Return on Equity (ROE) | 6.7500% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7461% | 2,572 |
| Net charge-offs to loans | 0.0062% | 1,728 |
| Credit loss provision to net charge-offs | -779.1045% | 4,645 |
| Earnings coverage of net charge-offs (x) | 169.1045% | 568 |
| Efficiency ratio | 69.7318% | 1,771 |
| Assets per employee ($millions) | 12.9570% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 4,228 |
| Loan loss allowance to noncurrent loans | 57.2557% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 602 |
| Noncurrent loans to loans | 1.2451% | 553 |
| Net loans and leases to total assets | 62.4400% | 2,425 |
| Net loans and leases to deposits | 78.5314% | 1,926 |
| Net loans and leases to core deposits | 87.2671% | 1,786 |
| Total domestic deposits to total assets | 79.5100% | 3,830 |
| Equity capital to assets | 11.4753% | 1,163 |
| Core capital (leverage) ratio | 12.7039% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $6,876,661,000 | 216 |
| Average earning assets | $6,416,169,500 | 208 |
| Average equity | $784,340,000 | 198 |
| Average total loans | $4,338,163,500 | 225 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0899% | 4,005 |
| Cost of funding earning assets | 0.7058% | 570 |
| Net interest margin | 2.3841% | 4,369 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.4197% | 4,496 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7894% | 3,360 |
| Return on assets (ROA) | 0.4779% | 4,085 |
| Pretax return on assets | 0.5743% | 4,073 |
| Return on Equity (ROE) | 4.1300% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.1290% | 3,357 |
| Net charge-offs to loans | 0.0263% | 1,532 |
| Credit loss provision to net charge-offs | 393.6971% | 784 |
| Earnings coverage of net charge-offs (x) | 64.7865% | 1,201 |
| Efficiency ratio | 58.4048% | 3,277 |
| Assets per employee ($millions) | 13.3744% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 4,221 |
| Loan loss allowance to noncurrent loans | 67.5797% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 756 |
| Noncurrent loans to loans | 1.0222% | 707 |
| Net loans and leases to total assets | 62.8500% | 2,345 |
| Net loans and leases to deposits | 78.8499% | 1,861 |
| Net loans and leases to core deposits | 86.9846% | 1,683 |
| Total domestic deposits to total assets | 79.7100% | 3,918 |
| Equity capital to assets | 11.3355% | 1,133 |
| Core capital (leverage) ratio | 12.5391% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $6,811,317,000 | 218 |
| Average earning assets | $6,371,249,200 | 212 |
| Average equity | $788,276,000 | 195 |
| Average total loans | $4,036,204,400 | 225 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9721% | 3,935 |
| Cost of funding earning assets | 0.5811% | 484 |
| Net interest margin | 2.3910% | 4,336 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.4374% | 4,486 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8455% | 3,082 |
| Return on assets (ROA) | 0.3357% | 4,291 |
| Pretax return on assets | 0.3754% | 4,294 |
| Return on Equity (ROE) | 2.8900% | 4,312 |
| Retained earnings to average equity (ytd only) | 2.8855% | 3,801 |
| Net charge-offs to loans | 0.0292% | 1,246 |
| Credit loss provision to net charge-offs | 328.2584% | 774 |
| Earnings coverage of net charge-offs (x) | 59.1084% | 1,178 |
| Efficiency ratio | 58.8757% | 3,267 |
| Assets per employee ($millions) | 13.4996% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6894% | 4,268 |
| Loan loss allowance to noncurrent loans | 75.4364% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 960 |
| Noncurrent loans to loans | 0.9139% | 856 |
| Net loans and leases to total assets | 60.3600% | 2,463 |
| Net loans and leases to deposits | 74.4111% | 2,014 |
| Net loans and leases to core deposits | 82.4131% | 1,736 |
| Total domestic deposits to total assets | 81.1200% | 3,963 |
| Equity capital to assets | 10.7099% | 1,287 |
| Core capital (leverage) ratio | 12.3414% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $6,805,571,500 | 220 |
| Average earning assets | $6,370,202,000 | 215 |
| Average equity | $791,669,250 | 194 |
| Average total loans | $3,963,956,750 | 225 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8768% | 3,838 |
| Cost of funding earning assets | 0.5060% | 503 |
| Net interest margin | 2.3709% | 4,257 |
| Noninterest income to average assets | 0.2003% | 3,997 |
| Noninterest expense to average assets | 1.4373% | 4,494 |
| Loan and lease loss provision to assets | 0.0490% | 1,700 |
| Net operating income to assets | 0.9425% | 2,389 |
| Return on assets (ROA) | 0.2288% | 4,344 |
| Pretax return on assets | 0.2230% | 4,386 |
| Return on Equity (ROE) | 1.9160% | 4,360 |
| Retained earnings to average equity (ytd only) | 1.9160% | 3,776 |
| Net charge-offs to loans | 0.0428% | 958 |
| Credit loss provision to net charge-offs | 199.6399% | 970 |
| Earnings coverage of net charge-offs (x) | 40.1621% | 1,255 |
| Efficiency ratio | 59.3198% | 3,401 |
| Assets per employee ($millions) | 13.6092% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 4,345 |
| Loan loss allowance to noncurrent loans | 49.3524% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 634 |
| Noncurrent loans to loans | 1.3976% | 541 |
| Net loans and leases to total assets | 58.3725% | 2,488 |
| Net loans and leases to deposits | 72.0107% | 2,026 |
| Net loans and leases to core deposits | 78.4725% | 1,822 |
| Total domestic deposits to total assets | 81.0609% | 4,123 |
| Equity capital to assets | 11.3317% | 1,087 |
| Core capital (leverage) ratio | 12.3198% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,788,155,333 | 219 |
| Average earning assets | $6,364,121,000 | 215 |
| Average equity | $810,737,667 | 189 |
| Average total loans | $3,895,823,667 | 225 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7761% | 3,791 |
| Cost of funding earning assets | 0.4878% | 525 |
| Net interest margin | 2.2883% | 4,251 |
| Noninterest income to average assets | 0.1860% | 4,042 |
| Noninterest expense to average assets | 1.4463% | 4,485 |
| Loan and lease loss provision to assets | 0.0558% | 1,385 |
| Net operating income to assets | 0.7335% | 2,912 |
| Return on assets (ROA) | 0.3444% | 4,033 |
| Pretax return on assets | 0.3938% | 4,042 |
| Return on Equity (ROE) | 2.8111% | 4,137 |
| Retained earnings to average equity (ytd only) | 2.8111% | 3,330 |
| Net charge-offs to loans | 0.0765% | 614 |
| Credit loss provision to net charge-offs | 128.5714% | 906 |
| Earnings coverage of net charge-offs (x) | 20.6803% | 1,271 |
| Efficiency ratio | 61.7273% | 3,299 |
| Assets per employee ($millions) | 13.3488% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 4,384 |
| Loan loss allowance to noncurrent loans | 35.0844% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1345% | 403 |
| Noncurrent loans to loans | 1.9928% | 370 |
| Net loans and leases to total assets | 56.3724% | 2,496 |
| Net loans and leases to deposits | 69.3008% | 2,029 |
| Net loans and leases to core deposits | 75.2243% | 1,828 |
| Total domestic deposits to total assets | 81.3445% | 4,163 |
| Equity capital to assets | 11.8479% | 1,004 |
| Core capital (leverage) ratio | 12.3434% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,779,933,500 | 221 |
| Average earning assets | $6,391,162,500 | 215 |
| Average equity | $830,568,000 | 191 |
| Average total loans | $3,843,935,000 | 227 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6883% | 4,325 |
| Cost of funding earning assets | 0.5980% | 551 |
| Net interest margin | 2.0903% | 4,546 |
| Noninterest income to average assets | 0.1977% | 4,176 |
| Noninterest expense to average assets | 1.5440% | 4,492 |
| Loan and lease loss provision to assets | -0.0031% | 4,141 |
| Net operating income to assets | 0.4774% | 4,134 |
| Return on assets (ROA) | 0.6613% | 3,772 |
| Pretax return on assets | 0.8549% | 3,608 |
| Return on Equity (ROE) | 5.2440% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.2440% | 2,693 |
| Net charge-offs to loans | 0.0088% | 2,244 |
| Credit loss provision to net charge-offs | -59.1304% | 3,277 |
| Earnings coverage of net charge-offs (x) | 118.3681% | 792 |
| Efficiency ratio | 71.3830% | 1,575 |
| Assets per employee ($millions) | 13.0353% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 4,420 |
| Loan loss allowance to noncurrent loans | 33.0191% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 410 |
| Noncurrent loans to loans | 2.1154% | 359 |
| Net loans and leases to total assets | 56.2264% | 2,576 |
| Net loans and leases to deposits | 70.2174% | 2,111 |
| Net loans and leases to core deposits | 76.3325% | 1,893 |
| Total domestic deposits to total assets | 80.0748% | 4,213 |
| Equity capital to assets | 12.6546% | 1,013 |
| Core capital (leverage) ratio | 12.4999% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,597,302,400 | 214 |
| Average earning assets | $6,202,964,600 | 210 |
| Average equity | $831,936,200 | 190 |
| Average total loans | $3,912,504,200 | 223 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6490% | 4,457 |
| Cost of funding earning assets | 0.6255% | 559 |
| Net interest margin | 2.0235% | 4,668 |
| Noninterest income to average assets | 0.1970% | 4,212 |
| Noninterest expense to average assets | 1.5442% | 4,543 |
| Loan and lease loss provision to assets | -0.0037% | 4,300 |
| Net operating income to assets | 0.4190% | 4,348 |
| Return on assets (ROA) | 0.5993% | 4,056 |
| Pretax return on assets | 0.7839% | 3,920 |
| Return on Equity (ROE) | 4.7565% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.7565% | 3,309 |
| Net charge-offs to loans | 0.0043% | 2,190 |
| Credit loss provision to net charge-offs | -142.5197% | 3,301 |
| Earnings coverage of net charge-offs (x) | 213.6850% | 533 |
| Efficiency ratio | 73.6683% | 1,243 |
| Assets per employee ($millions) | 13.0948% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6990% | 4,506 |
| Loan loss allowance to noncurrent loans | 25.4104% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.5879% | 304 |
| Noncurrent loans to loans | 2.7507% | 251 |
| Net loans and leases to total assets | 57.2095% | 2,588 |
| Net loans and leases to deposits | 71.6009% | 2,096 |
| Net loans and leases to core deposits | 77.9120% | 1,898 |
| Total domestic deposits to total assets | 79.9005% | 4,240 |
| Equity capital to assets | 12.5143% | 1,166 |
| Core capital (leverage) ratio | 12.4015% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,555,292,250 | 215 |
| Average earning assets | $6,152,723,500 | 210 |
| Average equity | $825,887,750 | 190 |
| Average total loans | $3,932,963,000 | 222 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6495% | 4,503 |
| Cost of funding earning assets | 0.6605% | 538 |
| Net interest margin | 1.9891% | 4,713 |
| Noninterest income to average assets | 0.1962% | 4,217 |
| Noninterest expense to average assets | 1.5766% | 4,541 |
| Loan and lease loss provision to assets | -0.0014% | 4,377 |
| Net operating income to assets | 0.3528% | 4,460 |
| Return on assets (ROA) | 0.6317% | 3,974 |
| Pretax return on assets | 0.8372% | 3,794 |
| Return on Equity (ROE) | 5.0023% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.0023% | 3,181 |
| Net charge-offs to loans | 0.0043% | 2,000 |
| Credit loss provision to net charge-offs | -55.2941% | 2,992 |
| Earnings coverage of net charge-offs (x) | 184.7176% | 522 |
| Efficiency ratio | 76.5604% | 1,026 |
| Assets per employee ($millions) | 12.4668% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 4,536 |
| Loan loss allowance to noncurrent loans | 65.9932% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 1,325 |
| Noncurrent loans to loans | 1.0547% | 1,161 |
| Net loans and leases to total assets | 58.5665% | 2,595 |
| Net loans and leases to deposits | 73.4573% | 2,052 |
| Net loans and leases to core deposits | 79.7211% | 1,906 |
| Total domestic deposits to total assets | 79.7287% | 4,265 |
| Equity capital to assets | 12.5559% | 1,107 |
| Core capital (leverage) ratio | 12.3862% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,505,538,667 | 216 |
| Average earning assets | $6,093,666,000 | 211 |
| Average equity | $821,507,000 | 191 |
| Average total loans | $3,956,405,000 | 223 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7153% | 4,461 |
| Cost of funding earning assets | 0.7078% | 528 |
| Net interest margin | 2.0075% | 4,727 |
| Noninterest income to average assets | 0.1847% | 4,268 |
| Noninterest expense to average assets | 1.5780% | 4,567 |
| Loan and lease loss provision to assets | -0.0052% | 4,561 |
| Net operating income to assets | 0.3964% | 4,363 |
| Return on assets (ROA) | 0.6461% | 3,891 |
| Pretax return on assets | 0.7848% | 3,840 |
| Return on Equity (ROE) | 5.1012% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.1012% | 3,196 |
| Net charge-offs to loans | 0.0056% | 1,702 |
| Credit loss provision to net charge-offs | -150.0000% | 2,901 |
| Earnings coverage of net charge-offs (x) | 136.7679% | 516 |
| Efficiency ratio | 76.8589% | 1,051 |
| Assets per employee ($millions) | 12.0793% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 4,590 |
| Loan loss allowance to noncurrent loans | 75.3383% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 1,705 |
| Noncurrent loans to loans | 0.9119% | 1,486 |
| Net loans and leases to total assets | 60.2099% | 2,522 |
| Net loans and leases to deposits | 75.6501% | 1,949 |
| Net loans and leases to core deposits | 82.0571% | 1,833 |
| Total domestic deposits to total assets | 79.5900% | 4,254 |
| Equity capital to assets | 12.5536% | 1,063 |
| Core capital (leverage) ratio | 12.5542% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,448,363,500 | 220 |
| Average earning assets | $6,001,392,500 | 213 |
| Average equity | $816,668,000 | 192 |
| Average total loans | $3,982,501,000 | 225 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1274% | 4,534 |
| Cost of funding earning assets | 0.9756% | 656 |
| Net interest margin | 2.1518% | 4,784 |
| Noninterest income to average assets | 0.1815% | 4,377 |
| Noninterest expense to average assets | 1.6443% | 4,672 |
| Loan and lease loss provision to assets | 0.0916% | 3,209 |
| Net operating income to assets | 0.3619% | 4,325 |
| Return on assets (ROA) | 0.5774% | 3,927 |
| Pretax return on assets | 0.7242% | 3,829 |
| Return on Equity (ROE) | 4.4285% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.4285% | 2,577 |
| Net charge-offs to loans | 0.0232% | 2,583 |
| Credit loss provision to net charge-offs | 599.3569% | 1,108 |
| Earnings coverage of net charge-offs (x) | 35.7567% | 1,472 |
| Efficiency ratio | 75.0565% | 1,328 |
| Assets per employee ($millions) | 11.6738% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 4,614 |
| Loan loss allowance to noncurrent loans | 23.1976% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8502% | 329 |
| Noncurrent loans to loans | 2.9352% | 293 |
| Net loans and leases to total assets | 62.4914% | 2,539 |
| Net loans and leases to deposits | 79.3703% | 1,939 |
| Net loans and leases to core deposits | 86.3881% | 1,839 |
| Total domestic deposits to total assets | 78.7340% | 4,228 |
| Equity capital to assets | 12.7785% | 1,187 |
| Core capital (leverage) ratio | 12.6554% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,104,949,000 | 215 |
| Average earning assets | $5,700,575,000 | 210 |
| Average equity | $795,918,000 | 190 |
| Average total loans | $4,026,529,600 | 221 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1617% | 4,622 |
| Cost of funding earning assets | 1.0308% | 687 |
| Net interest margin | 2.1310% | 4,842 |
| Noninterest income to average assets | 0.1765% | 4,408 |
| Noninterest expense to average assets | 1.6007% | 4,727 |
| Loan and lease loss provision to assets | 0.0735% | 3,406 |
| Net operating income to assets | 0.3944% | 4,276 |
| Return on assets (ROA) | 0.5031% | 4,114 |
| Pretax return on assets | 0.6372% | 4,032 |
| Return on Equity (ROE) | 3.8391% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.8391% | 3,120 |
| Net charge-offs to loans | 0.0260% | 2,314 |
| Credit loss provision to net charge-offs | 423.1552% | 1,417 |
| Earnings coverage of net charge-offs (x) | 33.0127% | 1,510 |
| Efficiency ratio | 73.6397% | 1,447 |
| Assets per employee ($millions) | 11.5227% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 4,694 |
| Loan loss allowance to noncurrent loans | 71.9082% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 2,036 |
| Noncurrent loans to loans | 0.8643% | 1,719 |
| Net loans and leases to total assets | 64.3684% | 2,727 |
| Net loans and leases to deposits | 81.8466% | 2,116 |
| Net loans and leases to core deposits | 89.1397% | 2,047 |
| Total domestic deposits to total assets | 78.6451% | 4,112 |
| Equity capital to assets | 12.9604% | 1,201 |
| Core capital (leverage) ratio | 12.6417% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,037,707,000 | 213 |
| Average earning assets | $5,658,751,500 | 209 |
| Average equity | $791,275,500 | 187 |
| Average total loans | $4,030,547,750 | 221 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2305% | 4,695 |
| Cost of funding earning assets | 1.0837% | 748 |
| Net interest margin | 2.1468% | 4,903 |
| Noninterest income to average assets | 0.1669% | 4,456 |
| Noninterest expense to average assets | 1.6127% | 4,771 |
| Loan and lease loss provision to assets | 0.0947% | 3,088 |
| Net operating income to assets | 0.3730% | 4,285 |
| Return on assets (ROA) | 0.3518% | 4,383 |
| Pretax return on assets | 0.4457% | 4,338 |
| Return on Equity (ROE) | 2.6743% | 4,406 |
| Retained earnings to average equity (ytd only) | 2.6743% | 3,515 |
| Net charge-offs to loans | 0.0235% | 2,244 |
| Credit loss provision to net charge-offs | 597.0402% | 1,115 |
| Earnings coverage of net charge-offs (x) | 35.7611% | 1,318 |
| Efficiency ratio | 73.9809% | 1,464 |
| Assets per employee ($millions) | 11.1930% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6229% | 4,710 |
| Loan loss allowance to noncurrent loans | 97.1061% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 2,615 |
| Noncurrent loans to loans | 0.6415% | 2,262 |
| Net loans and leases to total assets | 64.8998% | 2,769 |
| Net loans and leases to deposits | 82.5918% | 2,138 |
| Net loans and leases to core deposits | 90.3266% | 2,052 |
| Total domestic deposits to total assets | 78.5790% | 4,098 |
| Equity capital to assets | 12.9962% | 1,166 |
| Core capital (leverage) ratio | 12.8170% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,964,664,667 | 212 |
| Average earning assets | $5,592,571,667 | 205 |
| Average equity | $784,729,667 | 190 |
| Average total loans | $4,023,194,000 | 219 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 4,802 |
| Cost of funding earning assets | 1.1356% | 946 |
| Net interest margin | 2.1755% | 4,970 |
| Noninterest income to average assets | 0.1921% | 4,402 |
| Noninterest expense to average assets | 1.6093% | 4,848 |
| Loan and lease loss provision to assets | 0.0359% | 3,325 |
| Net operating income to assets | 0.4803% | 3,944 |
| Return on assets (ROA) | -0.4369% | 4,891 |
| Pretax return on assets | -0.5667% | 4,899 |
| Return on Equity (ROE) | -3.2996% | 4,882 |
| Retained earnings to average equity (ytd only) | -3.2996% | 4,384 |
| Net charge-offs to loans | 0.0459% | 1,562 |
| Credit loss provision to net charge-offs | 114.0693% | 1,732 |
| Earnings coverage of net charge-offs (x) | 20.0346% | 1,425 |
| Efficiency ratio | 71.8586% | 2,097 |
| Assets per employee ($millions) | 10.6361% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 4,811 |
| Loan loss allowance to noncurrent loans | 70.6746% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 2,358 |
| Noncurrent loans to loans | 0.7984% | 2,014 |
| Net loans and leases to total assets | 67.4380% | 2,628 |
| Net loans and leases to deposits | 86.4466% | 1,939 |
| Net loans and leases to core deposits | 95.2431% | 1,861 |
| Total domestic deposits to total assets | 78.0112% | 4,217 |
| Equity capital to assets | 13.1172% | 1,373 |
| Core capital (leverage) ratio | 12.8719% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,874,521,000 | 209 |
| Average earning assets | $5,528,921,000 | 200 |
| Average equity | $777,790,500 | 193 |
| Average total loans | $4,028,261,000 | 215 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4355% | 4,900 |
| Cost of funding earning assets | 1.1322% | 1,220 |
| Net interest margin | 2.3034% | 5,034 |
| Noninterest income to average assets | 0.2203% | 4,350 |
| Noninterest expense to average assets | 1.7530% | 4,824 |
| Loan and lease loss provision to assets | -0.0116% | 4,939 |
| Net operating income to assets | 0.5293% | 4,338 |
| Return on assets (ROA) | 0.7903% | 3,660 |
| Pretax return on assets | 0.9832% | 3,503 |
| Return on Equity (ROE) | 5.9262% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.9262% | 1,903 |
| Net charge-offs to loans | -0.0003% | 4,138 |
| Credit loss provision to net charge-offs | 5,046.1538% | 88 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0937% | 1,716 |
| Assets per employee ($millions) | 10.3823% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 4,802 |
| Loan loss allowance to noncurrent loans | 75.4958% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 2,355 |
| Noncurrent loans to loans | 0.7441% | 2,022 |
| Net loans and leases to total assets | 68.9488% | 2,546 |
| Net loans and leases to deposits | 88.5051% | 1,772 |
| Net loans and leases to core deposits | 97.2595% | 1,794 |
| Total domestic deposits to total assets | 77.9038% | 4,379 |
| Equity capital to assets | 13.3655% | 1,340 |
| Core capital (leverage) ratio | 12.9041% | 1,282 |
| Tier 1 risk-based capital ratio | 20.4541% | 1,258 |
| Total risk-based capital ratio | 21.0951% | 1,315 |
| Memoranda: | ||
| Average total assets | $5,669,015,600 | 206 |
| Average earning assets | $5,360,422,800 | 196 |
| Average equity | $756,015,400 | 193 |
| Average total loans | $3,927,684,800 | 213 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 5,011 |
| Cost of funding earning assets | 1.1195% | 1,276 |
| Net interest margin | 2.3017% | 5,126 |
| Noninterest income to average assets | 0.2303% | 4,355 |
| Noninterest expense to average assets | 1.7357% | 4,885 |
| Loan and lease loss provision to assets | -0.0569% | 5,130 |
| Net operating income to assets | 0.5785% | 4,347 |
| Return on assets (ROA) | 0.8471% | 3,608 |
| Pretax return on assets | 1.0673% | 3,389 |
| Return on Equity (ROE) | 6.3560% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.3560% | 2,194 |
| Net charge-offs to loans | -0.0032% | 4,118 |
| Credit loss provision to net charge-offs | 2,558.5106% | 157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1396% | 1,818 |
| Assets per employee ($millions) | 9.9953% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 4,930 |
| Loan loss allowance to noncurrent loans | 65.4571% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 2,326 |
| Noncurrent loans to loans | 0.8113% | 1,943 |
| Net loans and leases to total assets | 68.4901% | 2,711 |
| Net loans and leases to deposits | 88.2906% | 1,896 |
| Net loans and leases to core deposits | 96.9704% | 1,905 |
| Total domestic deposits to total assets | 77.5735% | 4,429 |
| Equity capital to assets | 13.4959% | 1,365 |
| Core capital (leverage) ratio | 12.9465% | 1,362 |
| Tier 1 risk-based capital ratio | 20.5286% | 1,278 |
| Total risk-based capital ratio | 21.1331% | 1,351 |
| Memoranda: | ||
| Average total assets | $5,632,749,500 | 207 |
| Average earning assets | $5,324,530,750 | 199 |
| Average equity | $750,749,750 | 197 |
| Average total loans | $3,901,758,750 | 214 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 5,048 |
| Cost of funding earning assets | 1.0915% | 1,331 |
| Net interest margin | 2.3530% | 5,180 |
| Noninterest income to average assets | 0.2375% | 4,334 |
| Noninterest expense to average assets | 1.7820% | 4,895 |
| Loan and lease loss provision to assets | 0.0151% | 3,473 |
| Net operating income to assets | 0.5268% | 4,468 |
| Return on assets (ROA) | 0.9075% | 3,318 |
| Pretax return on assets | 1.1413% | 3,112 |
| Return on Equity (ROE) | 6.8383% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.8383% | 1,881 |
| Net charge-offs to loans | -0.0058% | 4,167 |
| Credit loss provision to net charge-offs | -376.7857% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3673% | 1,866 |
| Assets per employee ($millions) | 9.9416% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6057% | 4,865 |
| Loan loss allowance to noncurrent loans | 73.8202% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 2,297 |
| Noncurrent loans to loans | 0.8205% | 1,951 |
| Net loans and leases to total assets | 69.2368% | 2,638 |
| Net loans and leases to deposits | 88.5965% | 1,927 |
| Net loans and leases to core deposits | 97.0348% | 1,975 |
| Total domestic deposits to total assets | 78.1485% | 4,365 |
| Equity capital to assets | 13.5071% | 1,313 |
| Core capital (leverage) ratio | 12.8058% | 1,399 |
| Tier 1 risk-based capital ratio | 20.3936% | 1,277 |
| Total risk-based capital ratio | 21.0856% | 1,349 |
| Memoranda: | ||
| Average total assets | $5,597,903,330 | 209 |
| Average earning assets | $5,293,243,330 | 200 |
| Average equity | $742,900,000 | 198 |
| Average total loans | $3,885,527,000 | 216 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4637% | 5,071 |
| Cost of funding earning assets | 1.0540% | 1,363 |
| Net interest margin | 2.4097% | 5,222 |
| Noninterest income to average assets | 0.2643% | 4,114 |
| Noninterest expense to average assets | 1.8041% | 4,915 |
| Loan and lease loss provision to assets | 0.0110% | 3,293 |
| Net operating income to assets | 0.5741% | 4,321 |
| Return on assets (ROA) | 1.1714% | 2,226 |
| Pretax return on assets | 1.4729% | 1,856 |
| Return on Equity (ROE) | 8.9071% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.9071% | 1,351 |
| Net charge-offs to loans | 0.0040% | 2,575 |
| Credit loss provision to net charge-offs | 392.3077% | 706 |
| Earnings coverage of net charge-offs (x) | 263.4103% | 301 |
| Efficiency ratio | 70.9892% | 2,188 |
| Assets per employee ($millions) | 9.6269% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 4,919 |
| Loan loss allowance to noncurrent loans | 77.2613% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 2,479 |
| Noncurrent loans to loans | 0.7856% | 2,071 |
| Net loans and leases to total assets | 68.2859% | 2,717 |
| Net loans and leases to deposits | 87.6550% | 1,914 |
| Net loans and leases to core deposits | 95.4290% | 1,981 |
| Total domestic deposits to total assets | 77.9031% | 4,532 |
| Equity capital to assets | 13.3037% | 1,293 |
| Core capital (leverage) ratio | 12.8230% | 1,352 |
| Tier 1 risk-based capital ratio | 20.4815% | 1,249 |
| Total risk-based capital ratio | 21.1792% | 1,328 |
| Memoranda: | ||
| Average total assets | $5,573,434,000 | 212 |
| Average earning assets | $5,266,805,000 | 201 |
| Average equity | $732,988,500 | 197 |
| Average total loans | $3,861,533,000 | 216 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3001% | 5,083 |
| Cost of funding earning assets | 0.9202% | 1,022 |
| Net interest margin | 2.3798% | 5,257 |
| Noninterest income to average assets | 0.2179% | 4,607 |
| Noninterest expense to average assets | 1.7869% | 5,013 |
| Loan and lease loss provision to assets | 0.0910% | 2,329 |
| Net operating income to assets | 0.4784% | 4,706 |
| Return on assets (ROA) | 0.6432% | 4,312 |
| Pretax return on assets | 0.7893% | 4,199 |
| Return on Equity (ROE) | 4.9625% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.9625% | 2,783 |
| Net charge-offs to loans | 0.0224% | 2,972 |
| Credit loss provision to net charge-offs | 596.7626% | 595 |
| Earnings coverage of net charge-offs (x) | 44.4005% | 1,218 |
| Efficiency ratio | 72.5280% | 1,836 |
| Assets per employee ($millions) | 9.1781% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 4,964 |
| Loan loss allowance to noncurrent loans | 59.1222% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 1,944 |
| Noncurrent loans to loans | 1.0187% | 1,603 |
| Net loans and leases to total assets | 69.4537% | 2,665 |
| Net loans and leases to deposits | 89.3014% | 1,893 |
| Net loans and leases to core deposits | 96.6370% | 2,001 |
| Total domestic deposits to total assets | 77.7745% | 4,526 |
| Equity capital to assets | 12.9971% | 1,350 |
| Core capital (leverage) ratio | 12.3782% | 1,525 |
| Tier 1 risk-based capital ratio | 19.9682% | 1,314 |
| Total risk-based capital ratio | 20.6649% | 1,386 |
| Memoranda: | ||
| Average total assets | $5,470,921,600 | 207 |
| Average earning assets | $5,162,899,600 | 196 |
| Average equity | $709,060,800 | 193 |
| Average total loans | $3,719,909,200 | 218 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 5,168 |
| Cost of funding earning assets | 0.8852% | 981 |
| Net interest margin | 2.3615% | 5,331 |
| Noninterest income to average assets | 0.2192% | 4,649 |
| Noninterest expense to average assets | 1.7732% | 5,064 |
| Loan and lease loss provision to assets | 0.0377% | 3,252 |
| Net operating income to assets | 0.5066% | 4,749 |
| Return on assets (ROA) | 0.7210% | 4,171 |
| Pretax return on assets | 0.9051% | 4,005 |
| Return on Equity (ROE) | 5.5667% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.5667% | 2,916 |
| Net charge-offs to loans | 0.0286% | 2,527 |
| Credit loss provision to net charge-offs | 195.3105% | 1,409 |
| Earnings coverage of net charge-offs (x) | 34.9951% | 1,464 |
| Efficiency ratio | 72.4326% | 1,820 |
| Assets per employee ($millions) | 9.0608% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5213% | 5,162 |
| Loan loss allowance to noncurrent loans | 62.3734% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 2,427 |
| Noncurrent loans to loans | 0.8357% | 2,038 |
| Net loans and leases to total assets | 69.3905% | 2,744 |
| Net loans and leases to deposits | 89.2156% | 1,997 |
| Net loans and leases to core deposits | 96.3289% | 2,084 |
| Total domestic deposits to total assets | 77.7784% | 4,515 |
| Equity capital to assets | 13.0587% | 1,309 |
| Core capital (leverage) ratio | 12.3687% | 1,570 |
| Tier 1 risk-based capital ratio | 20.2337% | 1,290 |
| Total risk-based capital ratio | 20.8439% | 1,382 |
| Memoranda: | ||
| Average total assets | $5,455,056,250 | 208 |
| Average earning assets | $5,148,405,750 | 197 |
| Average equity | $706,498,500 | 192 |
| Average total loans | $3,683,105,250 | 220 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2014% | 5,226 |
| Cost of funding earning assets | 0.8487% | 926 |
| Net interest margin | 2.3526% | 5,399 |
| Noninterest income to average assets | 0.2185% | 4,709 |
| Noninterest expense to average assets | 1.7965% | 5,097 |
| Loan and lease loss provision to assets | 0.0368% | 3,176 |
| Net operating income to assets | 0.4993% | 4,753 |
| Return on assets (ROA) | 0.6211% | 4,440 |
| Pretax return on assets | 0.7517% | 4,384 |
| Return on Equity (ROE) | 4.8089% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.8089% | 3,181 |
| Net charge-offs to loans | 0.0334% | 2,183 |
| Credit loss provision to net charge-offs | 165.1316% | 1,484 |
| Earnings coverage of net charge-offs (x) | 28.7648% | 1,548 |
| Efficiency ratio | 73.6750% | 1,752 |
| Assets per employee ($millions) | 9.0867% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5242% | 5,226 |
| Loan loss allowance to noncurrent loans | 70.8003% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 2,730 |
| Noncurrent loans to loans | 0.7405% | 2,257 |
| Net loans and leases to total assets | 67.9041% | 2,886 |
| Net loans and leases to deposits | 86.9938% | 2,224 |
| Net loans and leases to core deposits | 93.7467% | 2,241 |
| Total domestic deposits to total assets | 78.0563% | 4,580 |
| Equity capital to assets | 12.9480% | 1,323 |
| Core capital (leverage) ratio | 12.0558% | 1,675 |
| Tier 1 risk-based capital ratio | 20.0418% | 1,312 |
| Total risk-based capital ratio | 20.6676% | 1,410 |
| Memoranda: | ||
| Average total assets | $5,449,161,330 | 204 |
| Average earning assets | $5,141,701,000 | 196 |
| Average equity | $703,775,330 | 191 |
| Average total loans | $3,638,319,330 | 219 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 5,294 |
| Cost of funding earning assets | 0.8018% | 945 |
| Net interest margin | 2.3237% | 5,463 |
| Noninterest income to average assets | 0.1975% | 4,839 |
| Noninterest expense to average assets | 1.7531% | 5,197 |
| Loan and lease loss provision to assets | 0.0360% | 3,025 |
| Net operating income to assets | 0.5231% | 4,639 |
| Return on assets (ROA) | 0.7393% | 3,948 |
| Pretax return on assets | 0.8501% | 4,007 |
| Return on Equity (ROE) | 5.7319% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.7319% | 2,838 |
| Net charge-offs to loans | 0.0230% | 2,043 |
| Credit loss provision to net charge-offs | 236.7150% | 944 |
| Earnings coverage of net charge-offs (x) | 41.9082% | 1,044 |
| Efficiency ratio | 73.3331% | 1,993 |
| Assets per employee ($millions) | 9.1421% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5354% | 5,283 |
| Loan loss allowance to noncurrent loans | 59.6085% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 2,540 |
| Noncurrent loans to loans | 0.8982% | 2,028 |
| Net loans and leases to total assets | 65.6962% | 3,090 |
| Net loans and leases to deposits | 84.4875% | 2,341 |
| Net loans and leases to core deposits | 90.6201% | 2,404 |
| Total domestic deposits to total assets | 77.7585% | 4,759 |
| Equity capital to assets | 12.7486% | 1,359 |
| Core capital (leverage) ratio | 11.6300% | 1,908 |
| Tier 1 risk-based capital ratio | 19.2847% | 1,479 |
| Total risk-based capital ratio | 19.8988% | 1,611 |
| Memoranda: | ||
| Average total assets | $5,443,183,000 | 204 |
| Average earning assets | $5,137,319,000 | 194 |
| Average equity | $702,109,500 | 193 |
| Average total loans | $3,593,545,000 | 222 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0579% | 5,321 |
| Cost of funding earning assets | 0.7160% | 944 |
| Net interest margin | 2.3419% | 5,490 |
| Noninterest income to average assets | 0.2043% | 4,922 |
| Noninterest expense to average assets | 1.8651% | 5,165 |
| Loan and lease loss provision to assets | 0.0471% | 3,285 |
| Net operating income to assets | 0.2445% | 5,028 |
| Return on assets (ROA) | 0.3196% | 4,912 |
| Pretax return on assets | 0.6146% | 4,713 |
| Return on Equity (ROE) | 2.4723% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.4723% | 3,850 |
| Net charge-offs to loans | 0.0207% | 3,413 |
| Credit loss provision to net charge-offs | 357.8873% | 825 |
| Earnings coverage of net charge-offs (x) | 41.3901% | 1,232 |
| Efficiency ratio | 77.3336% | 1,442 |
| Assets per employee ($millions) | 8.9716% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5381% | 5,343 |
| Loan loss allowance to noncurrent loans | 58.1463% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 2,481 |
| Noncurrent loans to loans | 0.9255% | 1,928 |
| Net loans and leases to total assets | 65.6328% | 3,147 |
| Net loans and leases to deposits | 84.3603% | 2,451 |
| Net loans and leases to core deposits | 90.0054% | 2,571 |
| Total domestic deposits to total assets | 77.8006% | 4,750 |
| Equity capital to assets | 13.0520% | 1,240 |
| Core capital (leverage) ratio | 11.7174% | 1,781 |
| Tier 1 risk-based capital ratio | 19.5045% | 1,411 |
| Total risk-based capital ratio | 20.1186% | 1,505 |
| Memoranda: | ||
| Average total assets | $5,400,348,200 | 197 |
| Average earning assets | $5,084,662,800 | 191 |
| Average equity | $698,102,800 | 185 |
| Average total loans | $3,421,724,200 | 219 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0134% | 5,400 |
| Cost of funding earning assets | 0.7013% | 956 |
| Net interest margin | 2.3121% | 5,565 |
| Noninterest income to average assets | 0.2123% | 4,947 |
| Noninterest expense to average assets | 1.8531% | 5,197 |
| Loan and lease loss provision to assets | 0.0437% | 3,228 |
| Net operating income to assets | 0.3290% | 5,158 |
| Return on assets (ROA) | 0.4324% | 4,955 |
| Pretax return on assets | 0.6452% | 4,744 |
| Return on Equity (ROE) | 3.3527% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.3527% | 3,934 |
| Net charge-offs to loans | 0.0233% | 2,989 |
| Credit loss provision to net charge-offs | 298.6509% | 992 |
| Earnings coverage of net charge-offs (x) | 36.5311% | 1,389 |
| Efficiency ratio | 77.5018% | 1,398 |
| Assets per employee ($millions) | 8.9599% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5308% | 5,427 |
| Loan loss allowance to noncurrent loans | 60.3157% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,804 |
| Noncurrent loans to loans | 0.8801% | 2,172 |
| Net loans and leases to total assets | 64.2510% | 3,356 |
| Net loans and leases to deposits | 83.1093% | 2,644 |
| Net loans and leases to core deposits | 88.4627% | 2,727 |
| Total domestic deposits to total assets | 77.3091% | 4,829 |
| Equity capital to assets | 13.1842% | 1,300 |
| Core capital (leverage) ratio | 11.7368% | 1,860 |
| Tier 1 risk-based capital ratio | 20.0279% | 1,357 |
| Total risk-based capital ratio | 20.6370% | 1,459 |
| Memoranda: | ||
| Average total assets | $5,402,448,750 | 198 |
| Average earning assets | $5,083,173,750 | 190 |
| Average equity | $696,689,500 | 184 |
| Average total loans | $3,387,646,750 | 222 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0067% | 5,429 |
| Cost of funding earning assets | 0.6886% | 951 |
| Net interest margin | 2.3181% | 5,601 |
| Noninterest income to average assets | 0.2271% | 4,886 |
| Noninterest expense to average assets | 1.8245% | 5,282 |
| Loan and lease loss provision to assets | 0.0495% | 2,996 |
| Net operating income to assets | 0.3562% | 5,077 |
| Return on assets (ROA) | 0.4659% | 4,837 |
| Pretax return on assets | 0.6900% | 4,578 |
| Return on Equity (ROE) | 3.6400% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.6400% | 3,540 |
| Net charge-offs to loans | 0.0148% | 2,947 |
| Credit loss provision to net charge-offs | 537.7510% | 622 |
| Earnings coverage of net charge-offs (x) | 62.7510% | 922 |
| Efficiency ratio | 75.7773% | 1,754 |
| Assets per employee ($millions) | 8.9869% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 5,484 |
| Loan loss allowance to noncurrent loans | 76.3671% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 3,334 |
| Noncurrent loans to loans | 0.6955% | 2,665 |
| Net loans and leases to total assets | 63.5045% | 3,451 |
| Net loans and leases to deposits | 82.5548% | 2,648 |
| Net loans and leases to core deposits | 87.3186% | 2,767 |
| Total domestic deposits to total assets | 76.9240% | 4,969 |
| Equity capital to assets | 12.9662% | 1,391 |
| Core capital (leverage) ratio | 11.5646% | 1,928 |
| Tier 1 risk-based capital ratio | 19.5993% | 1,450 |
| Total risk-based capital ratio | 20.1933% | 1,560 |
| Memoranda: | ||
| Average total assets | $5,405,311,000 | 201 |
| Average earning assets | $5,072,738,670 | 193 |
| Average equity | $691,873,330 | 184 |
| Average total loans | $3,355,493,670 | 225 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9543% | 5,504 |
| Cost of funding earning assets | 0.6898% | 882 |
| Net interest margin | 2.2645% | 5,675 |
| Noninterest income to average assets | 0.1861% | 5,160 |
| Noninterest expense to average assets | 1.8086% | 5,362 |
| Loan and lease loss provision to assets | 0.0753% | 2,301 |
| Net operating income to assets | 0.2819% | 5,240 |
| Return on assets (ROA) | 0.4386% | 4,845 |
| Pretax return on assets | 0.6610% | 4,560 |
| Return on Equity (ROE) | 3.4489% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.4489% | 3,713 |
| Net charge-offs to loans | 0.0038% | 2,844 |
| Credit loss provision to net charge-offs | 3,277.4194% | 102 |
| Earnings coverage of net charge-offs (x) | 217.0323% | 258 |
| Efficiency ratio | 78.2113% | 1,601 |
| Assets per employee ($millions) | 9.0071% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5413% | 5,554 |
| Loan loss allowance to noncurrent loans | 76.2288% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 3,411 |
| Noncurrent loans to loans | 0.7101% | 2,722 |
| Net loans and leases to total assets | 61.8090% | 3,564 |
| Net loans and leases to deposits | 80.4395% | 2,694 |
| Net loans and leases to core deposits | 84.6391% | 2,841 |
| Total domestic deposits to total assets | 76.8392% | 5,136 |
| Equity capital to assets | 12.6902% | 1,408 |
| Core capital (leverage) ratio | 11.5317% | 1,919 |
| Tier 1 risk-based capital ratio | 19.4696% | 1,498 |
| Total risk-based capital ratio | 20.0765% | 1,611 |
| Memoranda: | ||
| Average total assets | $5,393,916,500 | 199 |
| Average earning assets | $5,053,026,000 | 192 |
| Average equity | $685,900,500 | 185 |
| Average total loans | $3,300,494,500 | 228 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9218% | 5,560 |
| Cost of funding earning assets | 0.7430% | 656 |
| Net interest margin | 2.1789% | 5,759 |
| Noninterest income to average assets | 0.1914% | 5,260 |
| Noninterest expense to average assets | 1.9019% | 5,360 |
| Loan and lease loss provision to assets | 0.0240% | 3,883 |
| Net operating income to assets | 0.2131% | 5,400 |
| Return on assets (ROA) | 0.3114% | 5,259 |
| Pretax return on assets | 0.4237% | 5,177 |
| Return on Equity (ROE) | 2.4121% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.4121% | 4,150 |
| Net charge-offs to loans | -0.0129% | 5,005 |
| Credit loss provision to net charge-offs | -325.7069% | 5,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5328% | 857 |
| Assets per employee ($millions) | 8.7378% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5377% | 5,617 |
| Loan loss allowance to noncurrent loans | 83.5472% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 3,702 |
| Noncurrent loans to loans | 0.6436% | 2,921 |
| Net loans and leases to total assets | 59.8926% | 3,867 |
| Net loans and leases to deposits | 77.5834% | 3,153 |
| Net loans and leases to core deposits | 81.4505% | 3,261 |
| Total domestic deposits to total assets | 77.1977% | 5,089 |
| Equity capital to assets | 12.7426% | 1,371 |
| Core capital (leverage) ratio | 11.7705% | 1,740 |
| Tier 1 risk-based capital ratio | 20.5884% | 1,278 |
| Total risk-based capital ratio | 21.1862% | 1,355 |
| Memoranda: | ||
| Average total assets | $5,283,925,600 | 197 |
| Average earning assets | $4,911,285,200 | 189 |
| Average equity | $682,134,200 | 180 |
| Average total loans | $3,013,747,800 | 229 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8927% | 5,656 |
| Cost of funding earning assets | 0.7529% | 625 |
| Net interest margin | 2.1398% | 5,844 |
| Noninterest income to average assets | 0.1878% | 5,335 |
| Noninterest expense to average assets | 1.8884% | 5,395 |
| Loan and lease loss provision to assets | 0.0133% | 3,986 |
| Net operating income to assets | 0.2058% | 5,454 |
| Return on assets (ROA) | 0.3400% | 5,268 |
| Pretax return on assets | 0.4483% | 5,235 |
| Return on Equity (ROE) | 2.6249% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.6249% | 4,341 |
| Net charge-offs to loans | -0.0191% | 4,993 |
| Credit loss provision to net charge-offs | -123.5294% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5796% | 781 |
| Assets per employee ($millions) | 8.6753% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5319% | 5,698 |
| Loan loss allowance to noncurrent loans | 79.8174% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 3,781 |
| Noncurrent loans to loans | 0.6664% | 3,035 |
| Net loans and leases to total assets | 58.5977% | 4,038 |
| Net loans and leases to deposits | 75.7947% | 3,419 |
| Net loans and leases to core deposits | 79.5086% | 3,496 |
| Total domestic deposits to total assets | 77.3111% | 5,028 |
| Equity capital to assets | 13.1181% | 1,431 |
| Core capital (leverage) ratio | 11.7729% | 1,827 |
| Tier 1 risk-based capital ratio | 21.0985% | 1,252 |
| Total risk-based capital ratio | 21.6897% | 1,330 |
| Memoranda: | ||
| Average total assets | $5,268,025,750 | 195 |
| Average earning assets | $4,888,795,000 | 191 |
| Average equity | $682,313,750 | 179 |
| Average total loans | $2,962,162,750 | 231 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8884% | 5,742 |
| Cost of funding earning assets | 0.7640% | 590 |
| Net interest margin | 2.1244% | 5,923 |
| Noninterest income to average assets | 0.1802% | 5,414 |
| Noninterest expense to average assets | 1.9199% | 5,420 |
| Loan and lease loss provision to assets | -0.0054% | 5,755 |
| Net operating income to assets | 0.1874% | 5,548 |
| Return on assets (ROA) | 0.3446% | 5,278 |
| Pretax return on assets | 0.4369% | 5,269 |
| Return on Equity (ROE) | 2.6721% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.6721% | 4,198 |
| Net charge-offs to loans | -0.0528% | 5,394 |
| Credit loss provision to net charge-offs | 18.4896% | 2,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8327% | 669 |
| Assets per employee ($millions) | 8.6764% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 5,756 |
| Loan loss allowance to noncurrent loans | 79.4362% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 3,887 |
| Noncurrent loans to loans | 0.6790% | 3,035 |
| Net loans and leases to total assets | 56.5597% | 4,245 |
| Net loans and leases to deposits | 73.3100% | 3,672 |
| Net loans and leases to core deposits | 76.8433% | 3,752 |
| Total domestic deposits to total assets | 77.1515% | 5,143 |
| Equity capital to assets | 12.9787% | 1,514 |
| Core capital (leverage) ratio | 11.6471% | 1,873 |
| Tier 1 risk-based capital ratio | 21.1981% | 1,242 |
| Total risk-based capital ratio | 21.7931% | 1,318 |
| Memoranda: | ||
| Average total assets | $5,257,167,330 | 195 |
| Average earning assets | $4,880,415,000 | 190 |
| Average equity | $677,972,330 | 179 |
| Average total loans | $2,908,669,670 | 234 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8872% | 5,800 |
| Cost of funding earning assets | 0.7623% | 597 |
| Net interest margin | 2.1248% | 5,985 |
| Noninterest income to average assets | 0.1795% | 5,425 |
| Noninterest expense to average assets | 1.9074% | 5,514 |
| Loan and lease loss provision to assets | -0.0325% | 5,929 |
| Net operating income to assets | 0.2190% | 5,490 |
| Return on assets (ROA) | 0.3404% | 5,266 |
| Pretax return on assets | 0.4423% | 5,224 |
| Return on Equity (ROE) | 2.6485% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.6485% | 4,189 |
| Net charge-offs to loans | -0.1311% | 5,733 |
| Credit loss provision to net charge-offs | 45.4545% | 2,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9599% | 819 |
| Assets per employee ($millions) | 8.5025% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5599% | 5,807 |
| Loan loss allowance to noncurrent loans | 73.4432% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 3,844 |
| Noncurrent loans to loans | 0.7624% | 2,927 |
| Net loans and leases to total assets | 54.6519% | 4,389 |
| Net loans and leases to deposits | 71.0550% | 3,745 |
| Net loans and leases to core deposits | 74.3314% | 3,854 |
| Total domestic deposits to total assets | 76.9150% | 5,300 |
| Equity capital to assets | 12.8889% | 1,467 |
| Core capital (leverage) ratio | 11.7511% | 1,794 |
| Tier 1 risk-based capital ratio | 21.7982% | 1,191 |
| Total risk-based capital ratio | 22.4016% | 1,268 |
| Memoranda: | ||
| Average total assets | $5,230,776,000 | 194 |
| Average earning assets | $4,874,147,500 | 190 |
| Average equity | $672,376,500 | 181 |
| Average total loans | $2,853,215,000 | 238 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 5,776 |
| Cost of funding earning assets | 0.8245% | 434 |
| Net interest margin | 2.1257% | 6,015 |
| Noninterest income to average assets | 0.1701% | 5,563 |
| Noninterest expense to average assets | 1.9035% | 5,612 |
| Loan and lease loss provision to assets | 0.0321% | 3,721 |
| Net operating income to assets | 0.1405% | 5,700 |
| Return on assets (ROA) | 0.2959% | 5,450 |
| Pretax return on assets | 0.4456% | 5,236 |
| Return on Equity (ROE) | 2.2735% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.2735% | 4,430 |
| Net charge-offs to loans | 0.0187% | 3,901 |
| Credit loss provision to net charge-offs | 328.4294% | 916 |
| Earnings coverage of net charge-offs (x) | 24.7435% | 1,656 |
| Efficiency ratio | 88.2437% | 819 |
| Assets per employee ($millions) | 8.4529% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 5,865 |
| Loan loss allowance to noncurrent loans | 63.8845% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,620 |
| Noncurrent loans to loans | 0.8697% | 2,612 |
| Net loans and leases to total assets | 53.8292% | 4,522 |
| Net loans and leases to deposits | 70.1073% | 3,914 |
| Net loans and leases to core deposits | 73.2737% | 4,014 |
| Total domestic deposits to total assets | 76.7812% | 5,347 |
| Equity capital to assets | 12.8193% | 1,449 |
| Core capital (leverage) ratio | 12.1016% | 1,560 |
| Tier 1 risk-based capital ratio | 22.5934% | 1,070 |
| Total risk-based capital ratio | 23.1858% | 1,137 |
| Memoranda: | ||
| Average total assets | $5,140,093,800 | 188 |
| Average earning assets | $4,777,140,400 | 183 |
| Average equity | $668,971,800 | 173 |
| Average total loans | $2,691,112,800 | 234 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9078% | 5,886 |
| Cost of funding earning assets | 0.8332% | 416 |
| Net interest margin | 2.0746% | 6,113 |
| Noninterest income to average assets | 0.1690% | 5,633 |
| Noninterest expense to average assets | 1.8910% | 5,656 |
| Loan and lease loss provision to assets | 0.0316% | 3,606 |
| Net operating income to assets | 0.1105% | 5,834 |
| Return on assets (ROA) | 0.3112% | 5,507 |
| Pretax return on assets | 0.4862% | 5,253 |
| Return on Equity (ROE) | 2.3824% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.3824% | 4,687 |
| Net charge-offs to loans | 0.0235% | 3,467 |
| Credit loss provision to net charge-offs | 259.8291% | 1,103 |
| Earnings coverage of net charge-offs (x) | 16.7672% | 2,094 |
| Efficiency ratio | 89.7354% | 721 |
| Assets per employee ($millions) | 8.2887% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 5,960 |
| Loan loss allowance to noncurrent loans | 81.4987% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 4,169 |
| Noncurrent loans to loans | 0.6766% | 3,297 |
| Net loans and leases to total assets | 53.8146% | 4,582 |
| Net loans and leases to deposits | 69.9999% | 3,988 |
| Net loans and leases to core deposits | 72.9083% | 4,112 |
| Total domestic deposits to total assets | 76.8782% | 5,361 |
| Equity capital to assets | 13.1279% | 1,382 |
| Core capital (leverage) ratio | 12.1020% | 1,617 |
| Tier 1 risk-based capital ratio | 23.4844% | 1,000 |
| Total risk-based capital ratio | 24.0895% | 1,056 |
| Memoranda: | ||
| Average total assets | $5,123,368,750 | 189 |
| Average earning assets | $4,756,844,000 | 185 |
| Average equity | $669,339,750 | 175 |
| Average total loans | $2,659,255,250 | 236 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9176% | 5,927 |
| Cost of funding earning assets | 0.8405% | 399 |
| Net interest margin | 2.0771% | 6,179 |
| Noninterest income to average assets | 0.1642% | 5,718 |
| Noninterest expense to average assets | 1.9099% | 5,697 |
| Loan and lease loss provision to assets | 0.0163% | 3,800 |
| Net operating income to assets | 0.0926% | 5,884 |
| Return on assets (ROA) | 0.3911% | 5,271 |
| Pretax return on assets | 0.6249% | 4,911 |
| Return on Equity (ROE) | 2.9985% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.9985% | 4,132 |
| Net charge-offs to loans | 0.0104% | 3,547 |
| Credit loss provision to net charge-offs | 304.3796% | 924 |
| Earnings coverage of net charge-offs (x) | 32.6934% | 1,288 |
| Efficiency ratio | 91.0340% | 685 |
| Assets per employee ($millions) | 8.2444% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 6,039 |
| Loan loss allowance to noncurrent loans | 55.8678% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 3,789 |
| Noncurrent loans to loans | 0.9931% | 2,655 |
| Net loans and leases to total assets | 51.6990% | 4,781 |
| Net loans and leases to deposits | 67.1092% | 4,216 |
| Net loans and leases to core deposits | 69.8173% | 4,341 |
| Total domestic deposits to total assets | 77.0371% | 5,450 |
| Equity capital to assets | 13.0009% | 1,403 |
| Core capital (leverage) ratio | 11.9753% | 1,678 |
| Tier 1 risk-based capital ratio | 25.1537% | 850 |
| Total risk-based capital ratio | 25.7866% | 891 |
| Memoranda: | ||
| Average total assets | $5,126,454,330 | 192 |
| Average earning assets | $4,739,899,670 | 188 |
| Average equity | $668,661,670 | 176 |
| Average total loans | $2,623,207,000 | 239 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9604% | 5,933 |
| Cost of funding earning assets | 0.8388% | 403 |
| Net interest margin | 2.1217% | 6,237 |
| Noninterest income to average assets | 0.1564% | 5,805 |
| Noninterest expense to average assets | 1.8867% | 5,780 |
| Loan and lease loss provision to assets | 0.0138% | 3,545 |
| Net operating income to assets | 0.1389% | 5,812 |
| Return on assets (ROA) | 0.5968% | 4,401 |
| Pretax return on assets | 0.8823% | 3,953 |
| Return on Equity (ROE) | 4.5678% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.5678% | 3,288 |
| Net charge-offs to loans | 0.0034% | 3,204 |
| Credit loss provision to net charge-offs | 804.5455% | 386 |
| Earnings coverage of net charge-offs (x) | 129.7273% | 404 |
| Efficiency ratio | 88.8646% | 950 |
| Assets per employee ($millions) | 8.3424% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5609% | 6,106 |
| Loan loss allowance to noncurrent loans | 67.2351% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 4,181 |
| Noncurrent loans to loans | 0.8342% | 3,158 |
| Net loans and leases to total assets | 50.3504% | 4,808 |
| Net loans and leases to deposits | 65.2393% | 4,240 |
| Net loans and leases to core deposits | 67.8233% | 4,343 |
| Total domestic deposits to total assets | 77.1780% | 5,586 |
| Equity capital to assets | 13.0432% | 1,375 |
| Core capital (leverage) ratio | 12.0918% | 1,579 |
| Tier 1 risk-based capital ratio | 25.2127% | 870 |
| Total risk-based capital ratio | 25.8395% | 912 |
| Memoranda: | ||
| Average total assets | $5,125,660,500 | 191 |
| Average earning assets | $4,718,357,500 | 185 |
| Average equity | $669,646,500 | 173 |
| Average total loans | $2,601,842,000 | 236 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0364% | 6,021 |
| Cost of funding earning assets | 0.8604% | 478 |
| Net interest margin | 2.1761% | 6,316 |
| Noninterest income to average assets | 0.1652% | 5,872 |
| Noninterest expense to average assets | 1.9419% | 5,874 |
| Loan and lease loss provision to assets | 0.0101% | 4,423 |
| Net operating income to assets | 0.1552% | 5,865 |
| Return on assets (ROA) | 0.2835% | 5,632 |
| Pretax return on assets | 0.4506% | 5,383 |
| Return on Equity (ROE) | 2.2165% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.2165% | 4,672 |
| Net charge-offs to loans | -0.0123% | 5,601 |
| Credit loss provision to net charge-offs | -164.0127% | 5,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5435% | 1,034 |
| Assets per employee ($millions) | 8.0117% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 6,194 |
| Loan loss allowance to noncurrent loans | 42.0889% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 3,415 |
| Noncurrent loans to loans | 1.3317% | 2,208 |
| Net loans and leases to total assets | 50.6045% | 4,907 |
| Net loans and leases to deposits | 65.6121% | 4,368 |
| Net loans and leases to core deposits | 67.8370% | 4,527 |
| Total domestic deposits to total assets | 77.1268% | 5,577 |
| Equity capital to assets | 13.0863% | 1,325 |
| Core capital (leverage) ratio | 12.4859% | 1,360 |
| Tier 1 risk-based capital ratio | 24.8595% | 846 |
| Total risk-based capital ratio | 25.4355% | 908 |
| Memoranda: | ||
| Average total assets | $5,112,857,800 | 183 |
| Average earning assets | $4,785,633,400 | 176 |
| Average equity | $653,957,000 | 169 |
| Average total loans | $2,555,483,000 | 224 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0070% | 6,134 |
| Cost of funding earning assets | 0.8642% | 503 |
| Net interest margin | 2.1428% | 6,411 |
| Noninterest income to average assets | 0.1641% | 5,934 |
| Noninterest expense to average assets | 1.9130% | 5,930 |
| Loan and lease loss provision to assets | -0.0032% | 6,064 |
| Net operating income to assets | 0.1792% | 5,886 |
| Return on assets (ROA) | 0.3600% | 5,474 |
| Pretax return on assets | 0.5285% | 5,241 |
| Return on Equity (ROE) | 2.8308% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.8308% | 4,589 |
| Net charge-offs to loans | -0.0150% | 5,539 |
| Credit loss provision to net charge-offs | 42.3077% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3734% | 1,061 |
| Assets per employee ($millions) | 7.9881% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5415% | 6,292 |
| Loan loss allowance to noncurrent loans | 68.4512% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 4,655 |
| Noncurrent loans to loans | 0.7911% | 3,606 |
| Net loans and leases to total assets | 50.1371% | 4,991 |
| Net loans and leases to deposits | 64.3974% | 4,492 |
| Net loans and leases to core deposits | 66.7624% | 4,633 |
| Total domestic deposits to total assets | 77.8558% | 5,560 |
| Equity capital to assets | 13.0442% | 1,406 |
| Core capital (leverage) ratio | 12.4459% | 1,433 |
| Tier 1 risk-based capital ratio | 25.2895% | 853 |
| Total risk-based capital ratio | 25.8494% | 905 |
| Memoranda: | ||
| Average total assets | $5,119,221,000 | 182 |
| Average earning assets | $4,797,863,750 | 176 |
| Average equity | $651,008,000 | 169 |
| Average total loans | $2,547,112,000 | 223 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0388% | 6,140 |
| Cost of funding earning assets | 0.8645% | 516 |
| Net interest margin | 2.1743% | 6,467 |
| Noninterest income to average assets | 0.1604% | 5,995 |
| Noninterest expense to average assets | 1.9146% | 5,976 |
| Loan and lease loss provision to assets | -0.0085% | 6,225 |
| Net operating income to assets | 0.1956% | 5,849 |
| Return on assets (ROA) | 0.4050% | 5,284 |
| Pretax return on assets | 0.6102% | 4,925 |
| Return on Equity (ROE) | 3.2123% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.2123% | 4,157 |
| Net charge-offs to loans | -0.0248% | 5,610 |
| Credit loss provision to net charge-offs | 69.5238% | 2,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3294% | 1,239 |
| Assets per employee ($millions) | 7.8092% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 6,374 |
| Loan loss allowance to noncurrent loans | 83.7874% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 4,968 |
| Noncurrent loans to loans | 0.6437% | 4,098 |
| Net loans and leases to total assets | 49.6772% | 4,992 |
| Net loans and leases to deposits | 63.6815% | 4,531 |
| Net loans and leases to core deposits | 65.9641% | 4,646 |
| Total domestic deposits to total assets | 78.0088% | 5,628 |
| Equity capital to assets | 12.9459% | 1,400 |
| Core capital (leverage) ratio | 12.2431% | 1,529 |
| Tier 1 risk-based capital ratio | 25.1926% | 850 |
| Total risk-based capital ratio | 25.7508% | 910 |
| Memoranda: | ||
| Average total assets | $5,134,807,330 | 181 |
| Average earning assets | $4,814,278,670 | 173 |
| Average equity | $647,456,670 | 169 |
| Average total loans | $2,543,805,000 | 221 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0566% | 6,176 |
| Cost of funding earning assets | 0.8620% | 555 |
| Net interest margin | 2.1946% | 6,528 |
| Noninterest income to average assets | 0.1546% | 6,046 |
| Noninterest expense to average assets | 1.8894% | 6,086 |
| Loan and lease loss provision to assets | 0.0106% | 3,691 |
| Net operating income to assets | 0.2097% | 5,773 |
| Return on assets (ROA) | 0.3671% | 5,307 |
| Pretax return on assets | 0.5482% | 5,015 |
| Return on Equity (ROE) | 2.9508% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.9508% | 4,333 |
| Net charge-offs to loans | 0.0495% | 2,688 |
| Credit loss provision to net charge-offs | 43.3121% | 2,273 |
| Earnings coverage of net charge-offs (x) | 13.2643% | 1,673 |
| Efficiency ratio | 84.6378% | 1,597 |
| Assets per employee ($millions) | 7.8362% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 6,474 |
| Loan loss allowance to noncurrent loans | 62.8707% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 4,819 |
| Noncurrent loans to loans | 0.8452% | 3,778 |
| Net loans and leases to total assets | 49.0260% | 4,998 |
| Net loans and leases to deposits | 62.0280% | 4,542 |
| Net loans and leases to core deposits | 64.2113% | 4,675 |
| Total domestic deposits to total assets | 79.0385% | 5,679 |
| Equity capital to assets | 12.5244% | 1,561 |
| Core capital (leverage) ratio | 12.1414% | 1,581 |
| Tier 1 risk-based capital ratio | 24.9030% | 899 |
| Total risk-based capital ratio | 25.4488% | 957 |
| Memoranda: | ||
| Average total assets | $5,144,683,500 | 181 |
| Average earning assets | $4,825,961,000 | 173 |
| Average equity | $640,090,000 | 172 |
| Average total loans | $2,538,309,500 | 218 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1194% | 6,221 |
| Cost of funding earning assets | 0.8897% | 784 |
| Net interest margin | 2.2297% | 6,561 |
| Noninterest income to average assets | 0.1553% | 6,158 |
| Noninterest expense to average assets | 2.0597% | 5,910 |
| Loan and lease loss provision to assets | -0.0482% | 6,377 |
| Net operating income to assets | 0.1569% | 5,928 |
| Return on assets (ROA) | 0.4322% | 5,149 |
| Pretax return on assets | 0.6203% | 4,806 |
| Return on Equity (ROE) | 3.4691% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.4691% | 3,760 |
| Net charge-offs to loans | 0.0396% | 4,672 |
| Credit loss provision to net charge-offs | -252.1376% | 6,025 |
| Earnings coverage of net charge-offs (x) | 9.3504% | 2,519 |
| Efficiency ratio | 91.1809% | 937 |
| Assets per employee ($millions) | 7.5934% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5397% | 6,537 |
| Loan loss allowance to noncurrent loans | 47.1696% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 4,487 |
| Noncurrent loans to loans | 1.1441% | 3,252 |
| Net loans and leases to total assets | 49.1228% | 5,180 |
| Net loans and leases to deposits | 61.9372% | 4,733 |
| Net loans and leases to core deposits | 64.1074% | 4,858 |
| Total domestic deposits to total assets | 79.3107% | 5,600 |
| Equity capital to assets | 12.3588% | 1,589 |
| Core capital (leverage) ratio | 12.0329% | 1,584 |
| Tier 1 risk-based capital ratio | 24.7736% | 873 |
| Total risk-based capital ratio | 25.3281% | 935 |
| Memoranda: | ||
| Average total assets | $5,016,525,800 | 177 |
| Average earning assets | $4,686,543,000 | 169 |
| Average equity | $625,000,400 | 169 |
| Average total loans | $2,422,334,200 | 212 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0738% | 6,346 |
| Cost of funding earning assets | 0.8854% | 879 |
| Net interest margin | 2.1884% | 6,654 |
| Noninterest income to average assets | 0.1520% | 6,277 |
| Noninterest expense to average assets | 2.0496% | 5,925 |
| Loan and lease loss provision to assets | -0.0736% | 6,587 |
| Net operating income to assets | 0.1483% | 6,039 |
| Return on assets (ROA) | 0.5109% | 4,909 |
| Pretax return on assets | 0.7436% | 4,514 |
| Return on Equity (ROE) | 4.0921% | 5,178 |
| Retained earnings to average equity (ytd only) | 4.0921% | 3,777 |
| Net charge-offs to loans | 0.0339% | 4,452 |
| Credit loss provision to net charge-offs | -452.6316% | 6,042 |
| Earnings coverage of net charge-offs (x) | 8.8980% | 2,559 |
| Efficiency ratio | 92.5204% | 820 |
| Assets per employee ($millions) | 7.4132% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5411% | 6,622 |
| Loan loss allowance to noncurrent loans | 35.4777% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 4,168 |
| Noncurrent loans to loans | 1.5252% | 2,879 |
| Net loans and leases to total assets | 50.0976% | 5,124 |
| Net loans and leases to deposits | 62.0454% | 4,759 |
| Net loans and leases to core deposits | 64.2146% | 4,880 |
| Total domestic deposits to total assets | 80.7435% | 5,288 |
| Equity capital to assets | 12.3359% | 1,683 |
| Core capital (leverage) ratio | 12.2219% | 1,554 |
| Tier 1 risk-based capital ratio | 24.7503% | 903 |
| Total risk-based capital ratio | 25.3122% | 974 |
| Memoranda: | ||
| Average total assets | $4,987,372,250 | 176 |
| Average earning assets | $4,654,277,500 | 167 |
| Average equity | $622,652,500 | 166 |
| Average total loans | $2,394,111,750 | 210 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1088% | 6,331 |
| Cost of funding earning assets | 0.8921% | 940 |
| Net interest margin | 2.2167% | 6,673 |
| Noninterest income to average assets | 0.1397% | 6,352 |
| Noninterest expense to average assets | 2.0566% | 5,952 |
| Loan and lease loss provision to assets | -0.0952% | 6,706 |
| Net operating income to assets | 0.1618% | 6,000 |
| Return on assets (ROA) | 0.5859% | 4,547 |
| Pretax return on assets | 0.8780% | 3,992 |
| Return on Equity (ROE) | 4.6740% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.6740% | 3,280 |
| Net charge-offs to loans | 0.0935% | 3,427 |
| Credit loss provision to net charge-offs | -215.6648% | 5,751 |
| Earnings coverage of net charge-offs (x) | 3.3971% | 3,398 |
| Efficiency ratio | 92.2560% | 882 |
| Assets per employee ($millions) | 7.3709% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 6,653 |
| Loan loss allowance to noncurrent loans | 28.7464% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9747% | 3,822 |
| Noncurrent loans to loans | 1.9617% | 2,440 |
| Net loans and leases to total assets | 47.8206% | 5,345 |
| Net loans and leases to deposits | 59.1214% | 5,058 |
| Net loans and leases to core deposits | 61.1058% | 5,165 |
| Total domestic deposits to total assets | 80.8853% | 5,374 |
| Equity capital to assets | 12.2815% | 1,721 |
| Core capital (leverage) ratio | 12.1860% | 1,516 |
| Tier 1 risk-based capital ratio | 24.7108% | 905 |
| Total risk-based capital ratio | 25.2670% | 974 |
| Memoranda: | ||
| Average total assets | $4,974,441,670 | 176 |
| Average earning assets | $4,638,181,330 | 167 |
| Average equity | $623,528,330 | 167 |
| Average total loans | $2,348,253,000 | 214 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1763% | 6,321 |
| Cost of funding earning assets | 0.9150% | 914 |
| Net interest margin | 2.2613% | 6,714 |
| Noninterest income to average assets | 0.1522% | 6,342 |
| Noninterest expense to average assets | 2.0594% | 5,987 |
| Loan and lease loss provision to assets | -0.2585% | 6,914 |
| Net operating income to assets | 0.2959% | 5,583 |
| Return on assets (ROA) | 0.7046% | 3,803 |
| Pretax return on assets | 1.0867% | 3,010 |
| Return on Equity (ROE) | 5.5643% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.5643% | 2,921 |
| Net charge-offs to loans | 0.1730% | 2,363 |
| Credit loss provision to net charge-offs | -319.6607% | 5,367 |
| Earnings coverage of net charge-offs (x) | 2.4651% | 3,026 |
| Efficiency ratio | 90.2369% | 1,132 |
| Assets per employee ($millions) | 7.4194% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5560% | 6,748 |
| Loan loss allowance to noncurrent loans | 23.1867% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 3,625 |
| Noncurrent loans to loans | 2.3979% | 2,163 |
| Net loans and leases to total assets | 46.0433% | 5,434 |
| Net loans and leases to deposits | 56.7570% | 5,166 |
| Net loans and leases to core deposits | 58.6309% | 5,275 |
| Total domestic deposits to total assets | 81.1237% | 5,465 |
| Equity capital to assets | 12.6957% | 1,591 |
| Core capital (leverage) ratio | 12.2079% | 1,457 |
| Tier 1 risk-based capital ratio | 24.9797% | 893 |
| Total risk-based capital ratio | 25.5172% | 967 |
| Memoranda: | ||
| Average total assets | $4,955,541,000 | 179 |
| Average earning assets | $4,616,302,000 | 170 |
| Average equity | $627,503,000 | 169 |
| Average total loans | $2,317,141,000 | 219 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 6,294 |
| Cost of funding earning assets | 1.0801% | 982 |
| Net interest margin | 2.4708% | 6,730 |
| Noninterest income to average assets | 0.1578% | 6,248 |
| Noninterest expense to average assets | 2.1084% | 6,106 |
| Loan and lease loss provision to assets | 0.1520% | 3,714 |
| Net operating income to assets | 0.1583% | 5,871 |
| Return on assets (ROA) | 0.2927% | 5,700 |
| Pretax return on assets | 0.3709% | 5,653 |
| Return on Equity (ROE) | 2.3060% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.3060% | 4,612 |
| Net charge-offs to loans | 0.0818% | 4,857 |
| Credit loss provision to net charge-offs | 383.9583% | 636 |
| Earnings coverage of net charge-offs (x) | 8.9063% | 2,336 |
| Efficiency ratio | 84.7107% | 1,545 |
| Assets per employee ($millions) | 7.2321% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 6,591 |
| Loan loss allowance to noncurrent loans | 54.6448% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 4,761 |
| Noncurrent loans to loans | 1.3442% | 3,590 |
| Net loans and leases to total assets | 46.8765% | 5,522 |
| Net loans and leases to deposits | 57.4779% | 5,299 |
| Net loans and leases to core deposits | 59.3795% | 5,417 |
| Total domestic deposits to total assets | 81.5558% | 5,241 |
| Equity capital to assets | 12.6291% | 1,625 |
| Core capital (leverage) ratio | 12.2403% | 1,432 |
| Tier 1 risk-based capital ratio | 24.0417% | 962 |
| Total risk-based capital ratio | 24.7380% | 1,017 |
| Memoranda: | ||
| Average total assets | $4,849,089,400 | 176 |
| Average earning assets | $4,520,404,000 | 171 |
| Average equity | $615,445,600 | 169 |
| Average total loans | $2,347,485,600 | 209 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 6,405 |
| Cost of funding earning assets | 1.1107% | 1,026 |
| Net interest margin | 2.4805% | 6,836 |
| Noninterest income to average assets | 0.1538% | 6,382 |
| Noninterest expense to average assets | 2.1053% | 6,148 |
| Loan and lease loss provision to assets | 0.1052% | 4,257 |
| Net operating income to assets | 0.1790% | 5,968 |
| Return on assets (ROA) | 0.3344% | 5,698 |
| Pretax return on assets | 0.4810% | 5,518 |
| Return on Equity (ROE) | 2.6317% | 5,829 |
| Retained earnings to average equity (ytd only) | 2.6317% | 4,985 |
| Net charge-offs to loans | 0.0820% | 4,579 |
| Credit loss provision to net charge-offs | 263.4416% | 1,048 |
| Earnings coverage of net charge-offs (x) | 9.1202% | 2,364 |
| Efficiency ratio | 84.2673% | 1,560 |
| Assets per employee ($millions) | 7.1508% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5928% | 6,877 |
| Loan loss allowance to noncurrent loans | 44.9854% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 4,904 |
| Noncurrent loans to loans | 1.3178% | 3,833 |
| Net loans and leases to total assets | 48.3243% | 5,509 |
| Net loans and leases to deposits | 59.2998% | 5,286 |
| Net loans and leases to core deposits | 61.2306% | 5,435 |
| Total domestic deposits to total assets | 81.4915% | 5,192 |
| Equity capital to assets | 12.9801% | 1,600 |
| Core capital (leverage) ratio | 12.2580% | 1,512 |
| Tier 1 risk-based capital ratio | 24.1735% | 1,000 |
| Total risk-based capital ratio | 24.7491% | 1,069 |
| Memoranda: | ||
| Average total assets | $4,831,907,250 | 179 |
| Average earning assets | $4,510,899,750 | 172 |
| Average equity | $614,038,500 | 170 |
| Average total loans | $2,353,766,500 | 210 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 6,413 |
| Cost of funding earning assets | 1.1432% | 1,059 |
| Net interest margin | 2.5099% | 6,879 |
| Noninterest income to average assets | 0.1563% | 6,413 |
| Noninterest expense to average assets | 2.1031% | 6,227 |
| Loan and lease loss provision to assets | 0.1176% | 4,052 |
| Net operating income to assets | 0.1941% | 5,935 |
| Return on assets (ROA) | 0.2859% | 5,863 |
| Pretax return on assets | 0.4097% | 5,689 |
| Return on Equity (ROE) | 2.2662% | 5,961 |
| Retained earnings to average equity (ytd only) | 2.2662% | 5,062 |
| Net charge-offs to loans | 0.1096% | 4,089 |
| Credit loss provision to net charge-offs | 220.1707% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.4158% | 2,486 |
| Efficiency ratio | 83.1161% | 1,735 |
| Assets per employee ($millions) | 7.1619% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5578% | 6,970 |
| Loan loss allowance to noncurrent loans | 50.3752% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 5,331 |
| Noncurrent loans to loans | 1.1073% | 4,309 |
| Net loans and leases to total assets | 48.5154% | 5,563 |
| Net loans and leases to deposits | 59.1428% | 5,320 |
| Net loans and leases to core deposits | 61.0299% | 5,486 |
| Total domestic deposits to total assets | 82.0310% | 5,117 |
| Equity capital to assets | 12.7165% | 1,673 |
| Core capital (leverage) ratio | 12.0972% | 1,554 |
| Tier 1 risk-based capital ratio | 23.4247% | 1,081 |
| Total risk-based capital ratio | 23.9566% | 1,157 |
| Memoranda: | ||
| Average total assets | $4,826,457,000 | 178 |
| Average earning assets | $4,505,378,000 | 171 |
| Average equity | $608,947,670 | 168 |
| Average total loans | $2,352,736,000 | 208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 6,483 |
| Cost of funding earning assets | 1.1727% | 1,094 |
| Net interest margin | 2.4993% | 6,953 |
| Noninterest income to average assets | 0.1489% | 6,493 |
| Noninterest expense to average assets | 2.0879% | 6,292 |
| Loan and lease loss provision to assets | 0.0605% | 4,658 |
| Net operating income to assets | 0.2315% | 5,882 |
| Return on assets (ROA) | 0.3481% | 5,660 |
| Pretax return on assets | 0.5015% | 5,424 |
| Return on Equity (ROE) | 2.7701% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.7701% | 4,870 |
| Net charge-offs to loans | 0.1362% | 3,288 |
| Credit loss provision to net charge-offs | 91.1250% | 2,525 |
| Earnings coverage of net charge-offs (x) | 5.9213% | 2,280 |
| Efficiency ratio | 83.1188% | 1,786 |
| Assets per employee ($millions) | 7.1402% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4912% | 7,071 |
| Loan loss allowance to noncurrent loans | 40.1392% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,327 |
| Noncurrent loans to loans | 1.2239% | 4,292 |
| Net loans and leases to total assets | 48.2702% | 5,520 |
| Net loans and leases to deposits | 58.9670% | 5,280 |
| Net loans and leases to core deposits | 60.8407% | 5,451 |
| Total domestic deposits to total assets | 81.8596% | 5,342 |
| Equity capital to assets | 12.6880% | 1,603 |
| Core capital (leverage) ratio | 12.1843% | 1,486 |
| Tier 1 risk-based capital ratio | 23.3355% | 1,091 |
| Total risk-based capital ratio | 23.8016% | 1,178 |
| Memoranda: | ||
| Average total assets | $4,822,532,500 | 175 |
| Average earning assets | $4,499,547,500 | 167 |
| Average equity | $606,044,500 | 168 |
| Average total loans | $2,349,834,000 | 208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 6,362 |
| Cost of funding earning assets | 1.3160% | 1,409 |
| Net interest margin | 2.7351% | 6,899 |
| Noninterest income to average assets | 0.1705% | 6,267 |
| Noninterest expense to average assets | 2.1408% | 6,404 |
| Loan and lease loss provision to assets | 0.1585% | 4,646 |
| Net operating income to assets | 0.3047% | 5,230 |
| Return on assets (ROA) | 0.4007% | 5,033 |
| Pretax return on assets | 0.5498% | 4,837 |
| Return on Equity (ROE) | 3.1349% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.1349% | 3,990 |
| Net charge-offs to loans | 0.3904% | 3,464 |
| Credit loss provision to net charge-offs | 78.2128% | 4,542 |
| Earnings coverage of net charge-offs (x) | 2.8463% | 3,787 |
| Efficiency ratio | 77.7171% | 2,626 |
| Assets per employee ($millions) | 7.1171% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4936% | 7,111 |
| Loan loss allowance to noncurrent loans | 27.9041% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 4,839 |
| Noncurrent loans to loans | 1.7690% | 3,509 |
| Net loans and leases to total assets | 48.7039% | 5,750 |
| Net loans and leases to deposits | 59.2054% | 5,575 |
| Net loans and leases to core deposits | 61.0652% | 5,748 |
| Total domestic deposits to total assets | 82.2626% | 5,041 |
| Equity capital to assets | 12.4449% | 1,825 |
| Core capital (leverage) ratio | 12.1024% | 1,536 |
| Tier 1 risk-based capital ratio | 22.6614% | 1,137 |
| Total risk-based capital ratio | 23.1227% | 1,223 |
| Memoranda: | ||
| Average total assets | $4,689,370,600 | 176 |
| Average earning assets | $4,366,933,000 | 168 |
| Average equity | $599,416,600 | 169 |
| Average total loans | $2,433,657,000 | 202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 6,444 |
| Cost of funding earning assets | 1.3332% | 1,537 |
| Net interest margin | 2.7511% | 6,946 |
| Noninterest income to average assets | 0.1854% | 6,268 |
| Noninterest expense to average assets | 2.1219% | 6,467 |
| Loan and lease loss provision to assets | 0.1126% | 5,016 |
| Net operating income to assets | 0.3548% | 5,188 |
| Return on assets (ROA) | 0.4867% | 4,789 |
| Pretax return on assets | 0.7054% | 4,454 |
| Return on Equity (ROE) | 3.7820% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.7820% | 4,051 |
| Net charge-offs to loans | 0.2480% | 3,883 |
| Credit loss provision to net charge-offs | 86.2212% | 3,912 |
| Earnings coverage of net charge-offs (x) | 4.8002% | 2,960 |
| Efficiency ratio | 76.1125% | 2,821 |
| Assets per employee ($millions) | 7.0227% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 7,135 |
| Loan loss allowance to noncurrent loans | 33.7515% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 5,076 |
| Noncurrent loans to loans | 1.6178% | 3,873 |
| Net loans and leases to total assets | 49.9855% | 5,706 |
| Net loans and leases to deposits | 60.6789% | 5,558 |
| Net loans and leases to core deposits | 62.5809% | 5,761 |
| Total domestic deposits to total assets | 82.3770% | 4,938 |
| Equity capital to assets | 12.7077% | 1,784 |
| Core capital (leverage) ratio | 12.1201% | 1,638 |
| Tier 1 risk-based capital ratio | 22.5369% | 1,212 |
| Total risk-based capital ratio | 23.0553% | 1,291 |
| Memoranda: | ||
| Average total assets | $4,660,709,750 | 176 |
| Average earning assets | $4,342,784,500 | 169 |
| Average equity | $599,806,750 | 170 |
| Average total loans | $2,454,234,000 | 201 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 6,439 |
| Cost of funding earning assets | 1.3423% | 1,689 |
| Net interest margin | 2.7796% | 6,947 |
| Noninterest income to average assets | 0.1908% | 6,300 |
| Noninterest expense to average assets | 2.2065% | 6,370 |
| Loan and lease loss provision to assets | 0.1386% | 4,571 |
| Net operating income to assets | 0.2853% | 5,428 |
| Return on assets (ROA) | 0.4761% | 4,754 |
| Pretax return on assets | 0.7206% | 4,315 |
| Return on Equity (ROE) | 3.6838% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.6838% | 3,877 |
| Net charge-offs to loans | 0.2075% | 3,908 |
| Credit loss provision to net charge-offs | 124.8735% | 2,448 |
| Earnings coverage of net charge-offs (x) | 5.1359% | 2,685 |
| Efficiency ratio | 78.3379% | 2,658 |
| Assets per employee ($millions) | 6.9586% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 7,148 |
| Loan loss allowance to noncurrent loans | 36.5230% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 5,164 |
| Noncurrent loans to loans | 1.6166% | 3,972 |
| Net loans and leases to total assets | 51.0920% | 5,683 |
| Net loans and leases to deposits | 62.2640% | 5,466 |
| Net loans and leases to core deposits | 64.1511% | 5,708 |
| Total domestic deposits to total assets | 82.0571% | 5,142 |
| Equity capital to assets | 12.9602% | 1,536 |
| Core capital (leverage) ratio | 12.3485% | 1,428 |
| Tier 1 risk-based capital ratio | 22.6089% | 1,178 |
| Total risk-based capital ratio | 23.1808% | 1,238 |
| Memoranda: | ||
| Average total assets | $4,629,492,000 | 179 |
| Average earning assets | $4,306,447,000 | 172 |
| Average equity | $598,352,670 | 171 |
| Average total loans | $2,475,799,330 | 202 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 6,433 |
| Cost of funding earning assets | 1.3694% | 1,775 |
| Net interest margin | 2.7640% | 6,955 |
| Noninterest income to average assets | 0.1984% | 6,301 |
| Noninterest expense to average assets | 2.1673% | 6,493 |
| Loan and lease loss provision to assets | 0.1552% | 4,084 |
| Net operating income to assets | 0.2875% | 5,471 |
| Return on assets (ROA) | 0.4699% | 4,703 |
| Pretax return on assets | 0.7344% | 4,169 |
| Return on Equity (ROE) | 3.6404% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.6404% | 3,995 |
| Net charge-offs to loans | 0.1446% | 3,627 |
| Credit loss provision to net charge-offs | 196.7920% | 1,506 |
| Earnings coverage of net charge-offs (x) | 7.6659% | 1,917 |
| Efficiency ratio | 77.0410% | 2,980 |
| Assets per employee ($millions) | 6.8289% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5850% | 7,217 |
| Loan loss allowance to noncurrent loans | 37.5610% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8641% | 5,178 |
| Noncurrent loans to loans | 1.5574% | 4,135 |
| Net loans and leases to total assets | 53.6536% | 5,356 |
| Net loans and leases to deposits | 65.5246% | 5,038 |
| Net loans and leases to core deposits | 67.5021% | 5,360 |
| Total domestic deposits to total assets | 81.8831% | 5,354 |
| Equity capital to assets | 12.9562% | 1,399 |
| Core capital (leverage) ratio | 12.3338% | 1,398 |
| Tier 1 risk-based capital ratio | 22.2455% | 1,185 |
| Total risk-based capital ratio | 22.8234% | 1,281 |
| Memoranda: | ||
| Average total assets | $4,585,277,000 | 181 |
| Average earning assets | $4,269,129,500 | 174 |
| Average equity | $591,804,000 | 172 |
| Average total loans | $2,501,300,000 | 202 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 6,333 |
| Cost of funding earning assets | 1.5981% | 2,079 |
| Net interest margin | 2.9238% | 6,863 |
| Noninterest income to average assets | 0.2093% | 6,303 |
| Noninterest expense to average assets | 2.2299% | 6,541 |
| Loan and lease loss provision to assets | 0.2099% | 5,153 |
| Net operating income to assets | 0.3333% | 4,815 |
| Return on assets (ROA) | 0.3176% | 5,043 |
| Pretax return on assets | 0.4519% | 4,786 |
| Return on Equity (ROE) | 2.4957% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.4957% | 4,128 |
| Net charge-offs to loans | 0.2277% | 4,919 |
| Credit loss provision to net charge-offs | 157.8534% | 2,229 |
| Earnings coverage of net charge-offs (x) | 5.1447% | 2,704 |
| Efficiency ratio | 75.3365% | 3,144 |
| Assets per employee ($millions) | 6.6391% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5439% | 7,323 |
| Loan loss allowance to noncurrent loans | 28.9672% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 4,898 |
| Noncurrent loans to loans | 1.8776% | 3,716 |
| Net loans and leases to total assets | 54.8384% | 5,520 |
| Net loans and leases to deposits | 66.0825% | 5,388 |
| Net loans and leases to core deposits | 68.1389% | 5,647 |
| Total domestic deposits to total assets | 82.9846% | 4,801 |
| Equity capital to assets | 12.8565% | 1,462 |
| Core capital (leverage) ratio | 12.2971% | 1,392 |
| Tier 1 risk-based capital ratio | 21.4737% | 1,253 |
| Total risk-based capital ratio | 22.0033% | 1,334 |
| Memoranda: | ||
| Average total assets | $4,505,811,200 | 185 |
| Average earning assets | $4,168,136,200 | 178 |
| Average equity | $573,356,800 | 176 |
| Average total loans | $2,631,036,200 | 198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 6,432 |
| Cost of funding earning assets | 1.6315% | 2,203 |
| Net interest margin | 2.9318% | 6,957 |
| Noninterest income to average assets | 0.2209% | 6,330 |
| Noninterest expense to average assets | 2.2057% | 6,590 |
| Loan and lease loss provision to assets | 0.1495% | 5,542 |
| Net operating income to assets | 0.3796% | 4,841 |
| Return on assets (ROA) | 0.5265% | 4,373 |
| Pretax return on assets | 0.7960% | 3,924 |
| Return on Equity (ROE) | 4.1482% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.1482% | 3,552 |
| Net charge-offs to loans | 0.1394% | 5,188 |
| Credit loss provision to net charge-offs | 181.1579% | 2,019 |
| Earnings coverage of net charge-offs (x) | 8.7580% | 2,116 |
| Efficiency ratio | 74.1031% | 3,314 |
| Assets per employee ($millions) | 6.6647% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4825% | 7,473 |
| Loan loss allowance to noncurrent loans | 32.5978% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 5,419 |
| Noncurrent loans to loans | 1.4801% | 4,414 |
| Net loans and leases to total assets | 56.2536% | 5,513 |
| Net loans and leases to deposits | 68.2638% | 5,382 |
| Net loans and leases to core deposits | 70.4343% | 5,704 |
| Total domestic deposits to total assets | 82.4061% | 4,839 |
| Equity capital to assets | 12.8484% | 1,656 |
| Core capital (leverage) ratio | 12.1875% | 1,567 |
| Tier 1 risk-based capital ratio | 20.9865% | 1,359 |
| Total risk-based capital ratio | 21.4631% | 1,477 |
| Memoranda: | ||
| Average total assets | $4,492,004,250 | 184 |
| Average earning assets | $4,148,703,000 | 177 |
| Average equity | $570,098,000 | 173 |
| Average total loans | $2,660,076,000 | 193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 6,440 |
| Cost of funding earning assets | 1.6804% | 2,222 |
| Net interest margin | 2.9260% | 6,978 |
| Noninterest income to average assets | 0.2112% | 6,412 |
| Noninterest expense to average assets | 2.2255% | 6,584 |
| Loan and lease loss provision to assets | 0.1535% | 5,365 |
| Net operating income to assets | 0.3526% | 4,961 |
| Return on assets (ROA) | 0.4323% | 4,772 |
| Pretax return on assets | 0.6460% | 4,415 |
| Return on Equity (ROE) | 3.4204% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.4204% | 3,934 |
| Net charge-offs to loans | 0.0419% | 5,787 |
| Credit loss provision to net charge-offs | 608.8810% | 602 |
| Earnings coverage of net charge-offs (x) | 26.9893% | 990 |
| Efficiency ratio | 75.2955% | 3,208 |
| Assets per employee ($millions) | 6.3158% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4927% | 7,515 |
| Loan loss allowance to noncurrent loans | 23.7358% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2074% | 4,723 |
| Noncurrent loans to loans | 2.0759% | 3,625 |
| Net loans and leases to total assets | 57.8353% | 5,444 |
| Net loans and leases to deposits | 70.1235% | 5,262 |
| Net loans and leases to core deposits | 72.3060% | 5,638 |
| Total domestic deposits to total assets | 82.4763% | 4,789 |
| Equity capital to assets | 12.5303% | 1,780 |
| Core capital (leverage) ratio | 12.0301% | 1,625 |
| Tier 1 risk-based capital ratio | 19.5567% | 1,593 |
| Total risk-based capital ratio | 20.0363% | 1,740 |
| Memoranda: | ||
| Average total assets | $4,465,335,670 | 188 |
| Average earning assets | $4,112,634,670 | 177 |
| Average equity | $564,320,000 | 174 |
| Average total loans | $2,685,305,000 | 192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 6,518 |
| Cost of funding earning assets | 1.7388% | 2,190 |
| Net interest margin | 2.8755% | 7,062 |
| Noninterest income to average assets | 0.2045% | 6,503 |
| Noninterest expense to average assets | 2.2166% | 6,642 |
| Loan and lease loss provision to assets | 0.1711% | 4,818 |
| Net operating income to assets | 0.3152% | 5,229 |
| Return on assets (ROA) | 0.3736% | 5,083 |
| Pretax return on assets | 0.5478% | 4,793 |
| Return on Equity (ROE) | 2.9429% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.9429% | 4,365 |
| Net charge-offs to loans | 0.1644% | 3,936 |
| Credit loss provision to net charge-offs | 170.0901% | 2,137 |
| Earnings coverage of net charge-offs (x) | 6.2946% | 2,250 |
| Efficiency ratio | 76.4689% | 3,137 |
| Assets per employee ($millions) | 6.3111% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4104% | 7,684 |
| Loan loss allowance to noncurrent loans | 20.6777% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 4,779 |
| Noncurrent loans to loans | 1.9846% | 3,806 |
| Net loans and leases to total assets | 60.0289% | 5,118 |
| Net loans and leases to deposits | 72.9785% | 4,911 |
| Net loans and leases to core deposits | 75.3281% | 5,355 |
| Total domestic deposits to total assets | 82.2555% | 4,953 |
| Equity capital to assets | 12.7735% | 1,614 |
| Core capital (leverage) ratio | 12.4471% | 1,428 |
| Tier 1 risk-based capital ratio | 19.3454% | 1,647 |
| Total risk-based capital ratio | 19.7410% | 1,802 |
| Memoranda: | ||
| Average total assets | $4,414,859,500 | 194 |
| Average earning assets | $4,061,261,000 | 185 |
| Average equity | $560,396,000 | 174 |
| Average total loans | $2,700,955,500 | 199 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 6,669 |
| Cost of funding earning assets | 2.2358% | 1,881 |
| Net interest margin | 2.6827% | 7,234 |
| Noninterest income to average assets | 0.2376% | 6,392 |
| Noninterest expense to average assets | 2.3267% | 6,669 |
| Loan and lease loss provision to assets | 0.3240% | 4,870 |
| Net operating income to assets | 0.1158% | 5,166 |
| Return on assets (ROA) | 0.1088% | 5,235 |
| Pretax return on assets | 0.0437% | 5,343 |
| Return on Equity (ROE) | 0.9006% | 5,259 |
| Retained earnings to average equity (ytd only) | 0.9006% | 4,394 |
| Net charge-offs to loans | 0.3736% | 4,341 |
| Credit loss provision to net charge-offs | 134.5549% | 3,692 |
| Earnings coverage of net charge-offs (x) | 1.5558% | 4,577 |
| Efficiency ratio | 84.6193% | 2,280 |
| Assets per employee ($millions) | 6.1438% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3749% | 7,777 |
| Loan loss allowance to noncurrent loans | 19.8932% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 4,756 |
| Noncurrent loans to loans | 1.8846% | 3,822 |
| Net loans and leases to total assets | 61.8601% | 5,016 |
| Net loans and leases to deposits | 74.9521% | 4,879 |
| Net loans and leases to core deposits | 88.6230% | 5,265 |
| Total domestic deposits to total assets | 82.5329% | 4,732 |
| Equity capital to assets | 12.6123% | 1,689 |
| Core capital (leverage) ratio | 12.2422% | 1,556 |
| Tier 1 risk-based capital ratio | 18.5498% | 1,742 |
| Total risk-based capital ratio | 18.9092% | 1,945 |
| Memoranda: | ||
| Average total assets | $4,328,844,200 | 195 |
| Average earning assets | $3,975,629,200 | 188 |
| Average equity | $523,113,000 | 177 |
| Average total loans | $2,789,975,400 | 199 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 6,770 |
| Cost of funding earning assets | 2.3193% | 1,908 |
| Net interest margin | 2.6288% | 7,321 |
| Noninterest income to average assets | 0.2447% | 6,482 |
| Noninterest expense to average assets | 2.3519% | 6,546 |
| Loan and lease loss provision to assets | 0.0706% | 6,649 |
| Net operating income to assets | 0.2033% | 5,141 |
| Return on assets (ROA) | 0.1961% | 5,249 |
| Pretax return on assets | 0.2285% | 5,234 |
| Return on Equity (ROE) | 1.6414% | 5,290 |
| Retained earnings to average equity (ytd only) | 1.6414% | 4,397 |
| Net charge-offs to loans | 0.0654% | 6,037 |
| Credit loss provision to net charge-offs | 165.9405% | 2,836 |
| Earnings coverage of net charge-offs (x) | 7.2237% | 2,443 |
| Efficiency ratio | 86.8696% | 1,975 |
| Assets per employee ($millions) | 6.0598% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2725% | 7,923 |
| Loan loss allowance to noncurrent loans | 15.3172% | 7,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1337% | 4,810 |
| Noncurrent loans to loans | 1.7787% | 3,944 |
| Net loans and leases to total assets | 63.5129% | 4,971 |
| Net loans and leases to deposits | 76.7849% | 4,930 |
| Net loans and leases to core deposits | 91.4804% | 5,284 |
| Total domestic deposits to total assets | 82.7153% | 4,355 |
| Equity capital to assets | 12.5215% | 1,942 |
| Core capital (leverage) ratio | 12.3792% | 1,628 |
| Tier 1 risk-based capital ratio | 18.5488% | 1,854 |
| Total risk-based capital ratio | 18.8127% | 2,067 |
| Memoranda: | ||
| Average total assets | $4,314,384,250 | 201 |
| Average earning assets | $3,963,000,250 | 198 |
| Average equity | $515,575,750 | 181 |
| Average total loans | $2,806,514,750 | 208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 6,746 |
| Cost of funding earning assets | 2.4150% | 1,906 |
| Net interest margin | 2.5927% | 7,370 |
| Noninterest income to average assets | 0.2233% | 6,696 |
| Noninterest expense to average assets | 2.3785% | 6,529 |
| Loan and lease loss provision to assets | 0.0143% | 7,078 |
| Net operating income to assets | 0.1593% | 5,394 |
| Return on assets (ROA) | 0.1514% | 5,513 |
| Pretax return on assets | 0.2000% | 5,466 |
| Return on Equity (ROE) | 1.2878% | 5,540 |
| Retained earnings to average equity (ytd only) | 1.2878% | 4,624 |
| Net charge-offs to loans | 0.0120% | 6,388 |
| Credit loss provision to net charge-offs | 180.5882% | 2,532 |
| Earnings coverage of net charge-offs (x) | 28.4588% | 1,035 |
| Efficiency ratio | 89.7136% | 1,840 |
| Assets per employee ($millions) | 6.0992% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2404% | 8,036 |
| Loan loss allowance to noncurrent loans | 16.3457% | 7,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 5,075 |
| Noncurrent loans to loans | 1.4709% | 4,289 |
| Net loans and leases to total assets | 64.6460% | 4,849 |
| Net loans and leases to deposits | 77.8429% | 4,901 |
| Net loans and leases to core deposits | 93.2410% | 5,212 |
| Total domestic deposits to total assets | 83.0468% | 4,214 |
| Equity capital to assets | 12.0012% | 2,203 |
| Core capital (leverage) ratio | 11.9634% | 1,848 |
| Tier 1 risk-based capital ratio | 17.8397% | 2,058 |
| Total risk-based capital ratio | 18.0739% | 2,307 |
| Memoranda: | ||
| Average total assets | $4,308,256,000 | 207 |
| Average earning assets | $3,954,424,330 | 204 |
| Average equity | $506,591,330 | 188 |
| Average total loans | $2,822,224,330 | 215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 6,842 |
| Cost of funding earning assets | 2.5070% | 1,894 |
| Net interest margin | 2.5290% | 7,464 |
| Noninterest income to average assets | 0.2326% | 6,605 |
| Noninterest expense to average assets | 2.2240% | 6,790 |
| Loan and lease loss provision to assets | 0.0117% | 6,695 |
| Net operating income to assets | 0.2338% | 5,553 |
| Return on assets (ROA) | 0.2231% | 5,753 |
| Pretax return on assets | 0.2979% | 5,690 |
| Return on Equity (ROE) | 1.9175% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.9175% | 4,787 |
| Net charge-offs to loans | 0.0165% | 5,343 |
| Credit loss provision to net charge-offs | 107.6923% | 3,556 |
| Earnings coverage of net charge-offs (x) | 29.7350% | 1,064 |
| Efficiency ratio | 85.5796% | 2,124 |
| Assets per employee ($millions) | 6.1654% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2337% | 8,083 |
| Loan loss allowance to noncurrent loans | 18.2076% | 7,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 5,103 |
| Noncurrent loans to loans | 1.2835% | 4,409 |
| Net loans and leases to total assets | 64.8273% | 4,837 |
| Net loans and leases to deposits | 77.6883% | 4,977 |
| Net loans and leases to core deposits | 92.9002% | 5,268 |
| Total domestic deposits to total assets | 83.4454% | 3,936 |
| Equity capital to assets | 11.4520% | 2,621 |
| Core capital (leverage) ratio | 11.8988% | 1,942 |
| Tier 1 risk-based capital ratio | 17.9195% | 2,078 |
| Total risk-based capital ratio | 18.1566% | 2,298 |
| Memoranda: | ||
| Average total assets | $4,297,155,500 | 207 |
| Average earning assets | $3,933,905,000 | 201 |
| Average equity | $500,033,500 | 186 |
| Average total loans | $2,830,229,000 | 214 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 7,546 |
| Cost of funding earning assets | 2.7206% | 3,063 |
| Net interest margin | 2.6239% | 7,614 |
| Noninterest income to average assets | 0.2431% | 6,704 |
| Noninterest expense to average assets | 2.1250% | 7,175 |
| Loan and lease loss provision to assets | 0.0102% | 7,242 |
| Net operating income to assets | 0.3961% | 5,166 |
| Return on assets (ROA) | 0.4339% | 4,841 |
| Pretax return on assets | 0.5776% | 4,763 |
| Return on Equity (ROE) | 3.3001% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.3001% | 3,097 |
| Net charge-offs to loans | 0.0040% | 6,940 |
| Credit loss provision to net charge-offs | 380.9091% | 1,156 |
| Earnings coverage of net charge-offs (x) | 201.5182% | 237 |
| Efficiency ratio | 77.4949% | 2,994 |
| Assets per employee ($millions) | 6.0247% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2337% | 8,137 |
| Loan loss allowance to noncurrent loans | 55.7994% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 6,462 |
| Noncurrent loans to loans | 0.4189% | 6,089 |
| Net loans and leases to total assets | 66.6163% | 4,727 |
| Net loans and leases to deposits | 80.4537% | 4,966 |
| Net loans and leases to core deposits | 95.9568% | 5,261 |
| Total domestic deposits to total assets | 82.8008% | 3,856 |
| Equity capital to assets | 11.8261% | 2,405 |
| Core capital (leverage) ratio | 12.3947% | 1,791 |
| Tier 1 risk-based capital ratio | 18.7649% | 1,859 |
| Total risk-based capital ratio | 19.0091% | 2,040 |
| Memoranda: | ||
| Average total assets | $4,125,078,800 | 205 |
| Average earning assets | $3,803,399,000 | 200 |
| Average equity | $542,319,000 | 175 |
| Average total loans | $2,736,521,600 | 213 |