Home > Western Alliance Bank > Performance and Condition Ratios
Western Alliance 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 | 6.2534% | 461 |
| Cost of funding earning assets | 2.5995% | 298 |
| Net interest margin | 3.6539% | 1,849 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.4099% | 2,560 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0403% | 2,094 |
| Return on assets (ROA) | 0.9922% | 2,226 |
| Pretax return on assets | 1.2848% | 1,913 |
| Return on Equity (ROE) | 11.5000% | 2,093 |
| Retained earnings to average equity (ytd only) | 7.6726% | 1,645 |
| Net charge-offs to loans | 0.0572% | 1,283 |
| Credit loss provision to net charge-offs | 190.0912% | 1,258 |
| Earnings coverage of net charge-offs (x) | 33.3973% | 1,560 |
| Efficiency ratio | 62.2725% | 2,804 |
| Assets per employee ($millions) | 21.4121% | 88 |
| Cash dividends to net income (ytd only)* | 33.2933% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 4,187 |
| Loan loss allowance to noncurrent loans | 38.9210% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 347 |
| Noncurrent loans to loans | 1.6667% | 380 |
| Net loans and leases to total assets | 72.7800% | 1,491 |
| Net loans and leases to deposits | 92.5937% | 1,049 |
| Net loans and leases to core deposits | 150.0717% | 200 |
| Total domestic deposits to total assets | 78.6000% | 3,661 |
| Equity capital to assets | 8.9631% | 2,699 |
| Core capital (leverage) ratio | 8.8552% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9535% | 2,259 |
| Memoranda: | ||
| Average total assets | $69,629,322,600 | 37 |
| Average earning assets | $64,345,680,000 | 37 |
| Average equity | $6,006,152,200 | 39 |
| Average total loans | $52,304,017,600 | 31 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2325% | 400 |
| Cost of funding earning assets | 2.5622% | 248 |
| Net interest margin | 3.6703% | 1,840 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2568% | 2,927 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1500% | 1,923 |
| Return on assets (ROA) | 1.1035% | 2,026 |
| Pretax return on assets | 1.3922% | 1,798 |
| Return on Equity (ROE) | 12.9200% | 1,917 |
| Retained earnings to average equity (ytd only) | 9.0935% | 1,655 |
| Net charge-offs to loans | 0.0545% | 1,125 |
| Credit loss provision to net charge-offs | 182.5141% | 1,184 |
| Earnings coverage of net charge-offs (x) | 37.7042% | 1,483 |
| Efficiency ratio | 58.8297% | 3,108 |
| Assets per employee ($millions) | 21.2156% | 86 |
| Cash dividends to net income (ytd only)* | 29.6289% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6378% | 4,220 |
| Loan loss allowance to noncurrent loans | 44.3217% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0639% | 473 |
| Noncurrent loans to loans | 1.4390% | 512 |
| Net loans and leases to total assets | 72.3000% | 1,538 |
| Net loans and leases to deposits | 93.9417% | 900 |
| Net loans and leases to core deposits | 149.6809% | 151 |
| Total domestic deposits to total assets | 76.9700% | 3,927 |
| Equity capital to assets | 8.5943% | 2,668 |
| Core capital (leverage) ratio | 8.8966% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8514% | 2,323 |
| Memoranda: | ||
| Average total assets | $69,323,485,500 | 38 |
| Average earning assets | $64,047,720,750 | 38 |
| Average equity | $5,920,033,750 | 40 |
| Average total loans | $52,404,661,750 | 32 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1808% | 356 |
| Cost of funding earning assets | 2.5035% | 192 |
| Net interest margin | 3.6773% | 1,859 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1235% | 3,284 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.1458% | 1,979 |
| Return on assets (ROA) | 1.0606% | 2,230 |
| Pretax return on assets | 1.3229% | 2,010 |
| Return on Equity (ROE) | 12.4500% | 2,027 |
| Retained earnings to average equity (ytd only) | 8.7007% | 1,763 |
| Net charge-offs to loans | 0.0508% | 1,006 |
| Credit loss provision to net charge-offs | 185.0056% | 1,085 |
| Earnings coverage of net charge-offs (x) | 39.8191% | 1,402 |
| Efficiency ratio | 57.4046% | 3,267 |
| Assets per employee ($millions) | 20.0183% | 93 |
| Cash dividends to net income (ytd only)* | 30.0979% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 4,265 |
| Loan loss allowance to noncurrent loans | 42.5500% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.1299% | 379 |
| Noncurrent loans to loans | 1.4775% | 452 |
| Net loans and leases to total assets | 74.5500% | 1,221 |
| Net loans and leases to deposits | 98.9607% | 564 |
| Net loans and leases to core deposits | 159.1256% | 105 |
| Total domestic deposits to total assets | 75.3300% | 4,097 |
| Equity capital to assets | 8.8493% | 2,625 |
| Core capital (leverage) ratio | 8.5333% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4288% | 2,490 |
| Memoranda: | ||
| Average total assets | $68,917,317,667 | 38 |
| Average earning assets | $63,687,697,333 | 38 |
| Average equity | $5,872,505,667 | 40 |
| Average total loans | $52,762,206,333 | 32 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0339% | 301 |
| Cost of funding earning assets | 2.2002% | 196 |
| Net interest margin | 3.8337% | 1,613 |
| Noninterest income to average assets | -0.2200% | 4,670 |
| Noninterest expense to average assets | 2.0099% | 3,608 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.9332% | 2,744 |
| Return on assets (ROA) | 0.8238% | 3,069 |
| Pretax return on assets | 1.0731% | 2,787 |
| Return on Equity (ROE) | 9.8500% | 2,829 |
| Retained earnings to average equity (ytd only) | 6.0590% | 2,747 |
| Net charge-offs to loans | 0.0444% | 913 |
| Credit loss provision to net charge-offs | 16.7983% | 1,380 |
| Earnings coverage of net charge-offs (x) | 38.5407% | 1,201 |
| Efficiency ratio | 59.8369% | 2,975 |
| Assets per employee ($millions) | 20.9336% | 89 |
| Cash dividends to net income (ytd only)* | 38.5151% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 4,388 |
| Loan loss allowance to noncurrent loans | 44.3660% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 420 |
| Noncurrent loans to loans | 1.2806% | 527 |
| Net loans and leases to total assets | 75.1300% | 1,062 |
| Net loans and leases to deposits | 111.4573% | 164 |
| Net loans and leases to core deposits | 137.8820% | 199 |
| Total domestic deposits to total assets | 67.4100% | 4,465 |
| Equity capital to assets | 8.2729% | 3,061 |
| Core capital (leverage) ratio | 8.1410% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5840% | 2,836 |
| Memoranda: | ||
| Average total assets | $69,334,855,000 | 41 |
| Average earning assets | $64,176,692,500 | 41 |
| Average equity | $5,796,361,500 | 43 |
| Average total loans | $53,604,817,500 | 34 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 682 |
| Cost of funding earning assets | 0.7643% | 445 |
| Net interest margin | 3.7678% | 1,229 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 1.8553% | 3,919 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.6505% | 603 |
| Return on assets (ROA) | 1.6421% | 588 |
| Pretax return on assets | 2.0483% | 425 |
| Return on Equity (ROE) | 19.4800% | 524 |
| Retained earnings to average equity (ytd only) | 17.5311% | 151 |
| Net charge-offs to loans | 0.0032% | 2,368 |
| Credit loss provision to net charge-offs | 3,719.8986% | 166 |
| Earnings coverage of net charge-offs (x) | 876.3295% | 205 |
| Efficiency ratio | 45.7389% | 4,360 |
| Assets per employee ($millions) | 19.7790% | 98 |
| Cash dividends to net income (ytd only)* | 10.0129% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 4,360 |
| Loan loss allowance to noncurrent loans | 42.3325% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 370 |
| Noncurrent loans to loans | 1.3657% | 500 |
| Net loans and leases to total assets | 78.6900% | 733 |
| Net loans and leases to deposits | 98.7805% | 486 |
| Net loans and leases to core deposits | 110.3492% | 599 |
| Total domestic deposits to total assets | 79.6600% | 3,923 |
| Equity capital to assets | 8.4512% | 2,734 |
| Core capital (leverage) ratio | 8.2237% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5425% | 2,856 |
| Memoranda: | ||
| Average total assets | $63,859,320,000 | 42 |
| Average earning assets | $59,309,530,400 | 42 |
| Average equity | $5,382,698,200 | 50 |
| Average total loans | $50,091,330,000 | 37 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 1,059 |
| Cost of funding earning assets | 0.4794% | 844 |
| Net interest margin | 3.6244% | 1,338 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 1.7976% | 3,994 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.6149% | 635 |
| Return on assets (ROA) | 1.6029% | 633 |
| Pretax return on assets | 1.9970% | 470 |
| Return on Equity (ROE) | 19.0300% | 524 |
| Retained earnings to average equity (ytd only) | 16.3880% | 251 |
| Net charge-offs to loans | -0.0006% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.1248% | 4,419 |
| Assets per employee ($millions) | 19.9782% | 102 |
| Cash dividends to net income (ytd only)* | 13.8846% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 4,422 |
| Loan loss allowance to noncurrent loans | 34.3049% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 284 |
| Noncurrent loans to loans | 1.6209% | 417 |
| Net loans and leases to total assets | 78.7300% | 637 |
| Net loans and leases to deposits | 97.3341% | 482 |
| Net loans and leases to core deposits | 105.3459% | 601 |
| Total domestic deposits to total assets | 80.8800% | 4,004 |
| Equity capital to assets | 7.7314% | 3,069 |
| Core capital (leverage) ratio | 7.9023% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7981% | 3,069 |
| Memoranda: | ||
| Average total assets | $62,903,189,750 | 43 |
| Average earning assets | $58,500,057,000 | 43 |
| Average equity | $5,298,347,500 | 53 |
| Average total loans | $49,221,577,750 | 38 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 1,419 |
| Cost of funding earning assets | 0.2786% | 1,919 |
| Net interest margin | 3.4733% | 1,388 |
| Noninterest income to average assets | 0.6817% | 1,424 |
| Noninterest expense to average assets | 1.7674% | 4,024 |
| Loan and lease loss provision to assets | 0.1200% | 829 |
| Net operating income to assets | 1.6305% | 510 |
| Return on assets (ROA) | 1.6165% | 514 |
| Pretax return on assets | 2.0099% | 372 |
| Return on Equity (ROE) | 18.6130% | 411 |
| Retained earnings to average equity (ytd only) | 16.7205% | 159 |
| Net charge-offs to loans | 0.0070% | 1,745 |
| Credit loss provision to net charge-offs | 1,346.6184% | 331 |
| Earnings coverage of net charge-offs (x) | 394.4855% | 322 |
| Efficiency ratio | 44.6815% | 4,505 |
| Assets per employee ($millions) | 19.8179% | 102 |
| Cash dividends to net income (ytd only)* | 10.1675% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5300% | 4,521 |
| Loan loss allowance to noncurrent loans | 25.0447% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 193 |
| Noncurrent loans to loans | 2.1163% | 302 |
| Net loans and leases to total assets | 77.7000% | 576 |
| Net loans and leases to deposits | 94.8982% | 479 |
| Net loans and leases to core deposits | 102.0491% | 590 |
| Total domestic deposits to total assets | 81.8772% | 4,022 |
| Equity capital to assets | 7.9753% | 3,142 |
| Core capital (leverage) ratio | 8.0031% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2239% | 2,985 |
| Memoranda: | ||
| Average total assets | $60,842,667,333 | 46 |
| Average earning assets | $56,635,153,000 | 45 |
| Average equity | $5,284,064,667 | 53 |
| Average total loans | $47,398,092,667 | 38 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 1,589 |
| Cost of funding earning assets | 0.2194% | 2,540 |
| Net interest margin | 3.3508% | 1,441 |
| Noninterest income to average assets | 0.7117% | 1,278 |
| Noninterest expense to average assets | 1.7766% | 4,001 |
| Loan and lease loss provision to assets | 0.0618% | 1,304 |
| Net operating income to assets | 1.6046% | 501 |
| Return on assets (ROA) | 1.6049% | 499 |
| Pretax return on assets | 1.9895% | 365 |
| Return on Equity (ROE) | 17.6628% | 364 |
| Retained earnings to average equity (ytd only) | 17.6628% | 151 |
| Net charge-offs to loans | 0.0021% | 1,748 |
| Credit loss provision to net charge-offs | 2,264.9573% | 190 |
| Earnings coverage of net charge-offs (x) | 1,276.6709% | 62 |
| Efficiency ratio | 45.9530% | 4,498 |
| Assets per employee ($millions) | 18.4677% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5610% | 4,536 |
| Loan loss allowance to noncurrent loans | 41.9921% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 470 |
| Noncurrent loans to loans | 1.3360% | 651 |
| Net loans and leases to total assets | 75.4405% | 542 |
| Net loans and leases to deposits | 87.0142% | 675 |
| Net loans and leases to core deposits | 92.0074% | 813 |
| Total domestic deposits to total assets | 86.6990% | 3,040 |
| Equity capital to assets | 8.8056% | 2,870 |
| Core capital (leverage) ratio | 8.3623% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2993% | 3,007 |
| Memoranda: | ||
| Average total assets | $58,267,258,000 | 48 |
| Average earning assets | $54,179,874,000 | 46 |
| Average equity | $5,294,515,500 | 54 |
| Average total loans | $45,322,038,500 | 39 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 2,058 |
| Cost of funding earning assets | 0.2032% | 3,429 |
| Net interest margin | 3.5162% | 1,685 |
| Noninterest income to average assets | 0.8098% | 1,422 |
| Noninterest expense to average assets | 1.9843% | 3,727 |
| Loan and lease loss provision to assets | -0.0450% | 4,326 |
| Net operating income to assets | 1.6979% | 633 |
| Return on assets (ROA) | 1.7096% | 643 |
| Pretax return on assets | 2.1740% | 435 |
| Return on Equity (ROE) | 18.8616% | 391 |
| Retained earnings to average equity (ytd only) | 17.7024% | 100 |
| Net charge-offs to loans | 0.0168% | 1,955 |
| Credit loss provision to net charge-offs | -345.7312% | 3,657 |
| Earnings coverage of net charge-offs (x) | 170.1075% | 601 |
| Efficiency ratio | 48.1013% | 4,395 |
| Assets per employee ($millions) | 17.2193% | 146 |
| Cash dividends to net income (ytd only)* | 6.1458% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 4,566 |
| Loan loss allowance to noncurrent loans | 42.7236% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 480 |
| Noncurrent loans to loans | 1.3221% | 707 |
| Net loans and leases to total assets | 79.4043% | 296 |
| Net loans and leases to deposits | 92.6190% | 435 |
| Net loans and leases to core deposits | 97.1064% | 654 |
| Total domestic deposits to total assets | 85.7322% | 3,005 |
| Equity capital to assets | 9.3904% | 3,236 |
| Core capital (leverage) ratio | 8.1766% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4471% | 2,993 |
| Memoranda: | ||
| Average total assets | $47,589,240,800 | 51 |
| Average earning assets | $44,510,174,400 | 49 |
| Average equity | $4,313,323,800 | 61 |
| Average total loans | $35,262,750,800 | 43 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 2,350 |
| Cost of funding earning assets | 0.2029% | 3,577 |
| Net interest margin | 3.4695% | 1,956 |
| Noninterest income to average assets | 0.8355% | 1,426 |
| Noninterest expense to average assets | 2.0649% | 3,469 |
| Loan and lease loss provision to assets | -0.1014% | 4,609 |
| Net operating income to assets | 1.6612% | 902 |
| Return on assets (ROA) | 1.6608% | 944 |
| Pretax return on assets | 2.1194% | 655 |
| Return on Equity (ROE) | 18.5288% | 567 |
| Retained earnings to average equity (ytd only) | 16.8937% | 246 |
| Net charge-offs to loans | 0.0188% | 1,681 |
| Credit loss provision to net charge-offs | -591.2126% | 3,702 |
| Earnings coverage of net charge-offs (x) | 148.3220% | 682 |
| Efficiency ratio | 50.2665% | 4,200 |
| Assets per employee ($millions) | 16.6311% | 155 |
| Cash dividends to net income (ytd only)* | 8.8248% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 4,636 |
| Loan loss allowance to noncurrent loans | 53.4959% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 751 |
| Noncurrent loans to loans | 1.1163% | 1,003 |
| Net loans and leases to total assets | 77.7470% | 416 |
| Net loans and leases to deposits | 89.2700% | 640 |
| Net loans and leases to core deposits | 92.3750% | 909 |
| Total domestic deposits to total assets | 87.0920% | 2,319 |
| Equity capital to assets | 8.8913% | 3,932 |
| Core capital (leverage) ratio | 8.0639% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9358% | 3,097 |
| Memoranda: | ||
| Average total assets | $45,487,228,000 | 53 |
| Average earning assets | $42,582,308,500 | 50 |
| Average equity | $4,077,065,250 | 64 |
| Average total loans | $32,899,225,000 | 46 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 2,556 |
| Cost of funding earning assets | 0.1945% | 3,808 |
| Net interest margin | 3.4276% | 2,067 |
| Noninterest income to average assets | 0.6688% | 1,934 |
| Noninterest expense to average assets | 2.0343% | 3,593 |
| Loan and lease loss provision to assets | -0.2180% | 4,778 |
| Net operating income to assets | 1.6185% | 1,017 |
| Return on assets (ROA) | 1.6199% | 1,067 |
| Pretax return on assets | 2.0685% | 725 |
| Return on Equity (ROE) | 18.0136% | 652 |
| Retained earnings to average equity (ytd only) | 15.4294% | 378 |
| Net charge-offs to loans | 0.0106% | 1,757 |
| Credit loss provision to net charge-offs | -2,783.3438% | 3,887 |
| Earnings coverage of net charge-offs (x) | 249.0783% | 435 |
| Efficiency ratio | 52.1158% | 4,035 |
| Assets per employee ($millions) | 15.3101% | 193 |
| Cash dividends to net income (ytd only)* | 14.3460% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 4,572 |
| Loan loss allowance to noncurrent loans | 48.2079% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 738 |
| Noncurrent loans to loans | 1.4006% | 835 |
| Net loans and leases to total assets | 69.8221% | 1,216 |
| Net loans and leases to deposits | 80.9754% | 1,331 |
| Net loans and leases to core deposits | 83.5624% | 1,602 |
| Total domestic deposits to total assets | 86.2264% | 2,656 |
| Equity capital to assets | 9.1638% | 3,643 |
| Core capital (leverage) ratio | 8.1215% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7473% | 3,004 |
| Memoranda: | ||
| Average total assets | $43,031,727,667 | 55 |
| Average earning assets | $40,352,198,000 | 54 |
| Average equity | $3,869,630,333 | 66 |
| Average total loans | $30,085,947,000 | 49 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5078% | 2,899 |
| Cost of funding earning assets | 0.1538% | 4,282 |
| Net interest margin | 3.3539% | 2,236 |
| Noninterest income to average assets | 0.1583% | 4,406 |
| Noninterest expense to average assets | 1.6273% | 4,494 |
| Loan and lease loss provision to assets | -0.3234% | 4,868 |
| Net operating income to assets | 1.6817% | 972 |
| Return on assets (ROA) | 1.6698% | 1,040 |
| Pretax return on assets | 2.0253% | 910 |
| Return on Equity (ROE) | 18.7881% | 645 |
| Retained earnings to average equity (ytd only) | 17.1009% | 420 |
| Net charge-offs to loans | 0.0212% | 1,314 |
| Credit loss provision to net charge-offs | -2,056.8336% | 3,553 |
| Earnings coverage of net charge-offs (x) | 116.1719% | 560 |
| Efficiency ratio | 48.5222% | 4,303 |
| Assets per employee ($millions) | 20.9809% | 85 |
| Cash dividends to net income (ytd only)* | 8.9803% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,272 |
| Loan loss allowance to noncurrent loans | 217.9031% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 2,717 |
| Noncurrent loans to loans | 0.3949% | 2,690 |
| Net loans and leases to total assets | 65.5073% | 1,864 |
| Net loans and leases to deposits | 73.5155% | 2,155 |
| Net loans and leases to core deposits | 76.4409% | 2,313 |
| Total domestic deposits to total assets | 89.1068% | 1,286 |
| Equity capital to assets | 8.5102% | 4,110 |
| Core capital (leverage) ratio | 8.5205% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7953% | 2,962 |
| Memoranda: | ||
| Average total assets | $40,013,133,500 | 59 |
| Average earning assets | $38,002,779,500 | 57 |
| Average equity | $3,556,145,500 | 68 |
| Average total loans | $27,881,990,500 | 50 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 2,063 |
| Cost of funding earning assets | 0.2831% | 4,230 |
| Net interest margin | 3.9448% | 1,102 |
| Noninterest income to average assets | 0.2023% | 4,257 |
| Noninterest expense to average assets | 1.6462% | 4,671 |
| Loan and lease loss provision to assets | 0.3913% | 814 |
| Net operating income to assets | 1.5334% | 740 |
| Return on assets (ROA) | 1.5429% | 784 |
| Pretax return on assets | 1.8951% | 557 |
| Return on Equity (ROE) | 15.4421% | 573 |
| Retained earnings to average equity (ytd only) | 10.3716% | 519 |
| Net charge-offs to loans | 0.0590% | 1,931 |
| Credit loss provision to net charge-offs | 736.8348% | 970 |
| Earnings coverage of net charge-offs (x) | 49.7109% | 1,204 |
| Efficiency ratio | 41.8543% | 4,839 |
| Assets per employee ($millions) | 18.8822% | 107 |
| Cash dividends to net income (ytd only)* | 32.8357% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,751 |
| Loan loss allowance to noncurrent loans | 242.4127% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 2,645 |
| Noncurrent loans to loans | 0.4254% | 2,703 |
| Net loans and leases to total assets | 73.2035% | 1,130 |
| Net loans and leases to deposits | 83.1754% | 1,525 |
| Net loans and leases to core deposits | 86.1864% | 1,855 |
| Total domestic deposits to total assets | 88.0110% | 1,465 |
| Equity capital to assets | 9.3357% | 3,760 |
| Core capital (leverage) ratio | 8.9569% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6227% | 3,004 |
| Memoranda: | ||
| Average total assets | $31,581,343,800 | 68 |
| Average earning assets | $29,769,615,000 | 63 |
| Average equity | $3,155,500,800 | 71 |
| Average total loans | $24,477,180,200 | 55 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,005 |
| Cost of funding earning assets | 0.3257% | 4,186 |
| Net interest margin | 4.0092% | 1,096 |
| Noninterest income to average assets | 0.2113% | 4,214 |
| Noninterest expense to average assets | 1.5873% | 4,738 |
| Loan and lease loss provision to assets | 0.6938% | 308 |
| Net operating income to assets | 1.3928% | 1,119 |
| Return on assets (ROA) | 1.3971% | 1,208 |
| Pretax return on assets | 1.7088% | 953 |
| Return on Equity (ROE) | 13.7114% | 936 |
| Retained earnings to average equity (ytd only) | 7.4563% | 1,507 |
| Net charge-offs to loans | 0.0587% | 1,770 |
| Credit loss provision to net charge-offs | 1,278.1494% | 700 |
| Earnings coverage of net charge-offs (x) | 51.9725% | 1,172 |
| Efficiency ratio | 39.7115% | 4,900 |
| Assets per employee ($millions) | 18.2744% | 105 |
| Cash dividends to net income (ytd only)* | 45.6194% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,699 |
| Loan loss allowance to noncurrent loans | 178.4028% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 2,044 |
| Noncurrent loans to loans | 0.6692% | 2,111 |
| Net loans and leases to total assets | 77.0702% | 953 |
| Net loans and leases to deposits | 88.3321% | 1,447 |
| Net loans and leases to core deposits | 93.1609% | 1,697 |
| Total domestic deposits to total assets | 87.2505% | 1,557 |
| Equity capital to assets | 9.7009% | 3,516 |
| Core capital (leverage) ratio | 9.0832% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2173% | 2,860 |
| Memoranda: | ||
| Average total assets | $30,332,975,500 | 70 |
| Average earning assets | $28,548,431,750 | 67 |
| Average equity | $3,090,751,750 | 73 |
| Average total loans | $23,833,220,750 | 55 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 1,835 |
| Cost of funding earning assets | 0.3764% | 4,143 |
| Net interest margin | 4.1524% | 1,014 |
| Noninterest income to average assets | 0.2243% | 4,147 |
| Noninterest expense to average assets | 1.6135% | 4,770 |
| Loan and lease loss provision to assets | 0.9764% | 220 |
| Net operating income to assets | 1.2591% | 1,465 |
| Return on assets (ROA) | 1.2469% | 1,619 |
| Pretax return on assets | 1.5205% | 1,410 |
| Return on Equity (ROE) | 12.0189% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.4734% | 3,191 |
| Net charge-offs to loans | 0.0199% | 2,329 |
| Credit loss provision to net charge-offs | 5,472.6641% | 215 |
| Earnings coverage of net charge-offs (x) | 160.0674% | 513 |
| Efficiency ratio | 38.9895% | 4,939 |
| Assets per employee ($millions) | 16.9735% | 119 |
| Cash dividends to net income (ytd only)* | 71.1000% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,301 |
| Loan loss allowance to noncurrent loans | 223.0178% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 2,460 |
| Noncurrent loans to loans | 0.5563% | 2,498 |
| Net loans and leases to total assets | 77.4228% | 932 |
| Net loans and leases to deposits | 88.8563% | 1,469 |
| Net loans and leases to core deposits | 94.8085% | 1,680 |
| Total domestic deposits to total assets | 87.1326% | 1,565 |
| Equity capital to assets | 9.7151% | 3,454 |
| Core capital (leverage) ratio | 9.2202% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6015% | 2,773 |
| Memoranda: | ||
| Average total assets | $29,327,063,333 | 73 |
| Average earning assets | $27,551,708,000 | 69 |
| Average equity | $3,042,566,667 | 74 |
| Average total loans | $23,106,288,333 | 59 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 1,808 |
| Cost of funding earning assets | 0.5320% | 3,780 |
| Net interest margin | 4.1342% | 1,068 |
| Noninterest income to average assets | 0.2405% | 4,118 |
| Noninterest expense to average assets | 1.6403% | 4,832 |
| Loan and lease loss provision to assets | 0.7304% | 357 |
| Net operating income to assets | 1.4297% | 924 |
| Return on assets (ROA) | 1.3671% | 1,142 |
| Pretax return on assets | 1.6683% | 913 |
| Return on Equity (ROE) | 12.7165% | 932 |
| Retained earnings to average equity (ytd only) | 0.1043% | 3,968 |
| Net charge-offs to loans | -0.0571% | 4,678 |
| Credit loss provision to net charge-offs | -1,430.3193% | 3,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7278% | 4,982 |
| Assets per employee ($millions) | 15.4534% | 122 |
| Cash dividends to net income (ytd only)* | 99.1794% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,622 |
| Loan loss allowance to noncurrent loans | 273.7657% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 3,122 |
| Noncurrent loans to loans | 0.3711% | 3,158 |
| Net loans and leases to total assets | 78.5533% | 895 |
| Net loans and leases to deposits | 91.3195% | 1,363 |
| Net loans and leases to core deposits | 97.4374% | 1,686 |
| Total domestic deposits to total assets | 86.0203% | 1,994 |
| Equity capital to assets | 10.2917% | 3,525 |
| Core capital (leverage) ratio | 9.9545% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3866% | 3,252 |
| Memoranda: | ||
| Average total assets | $28,027,035,500 | 74 |
| Average earning assets | $26,269,152,500 | 71 |
| Average equity | $3,012,970,000 | 73 |
| Average total loans | $22,144,718,500 | 60 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 959 |
| Cost of funding earning assets | 0.7259% | 3,036 |
| Net interest margin | 4.4897% | 732 |
| Noninterest income to average assets | 0.2029% | 4,446 |
| Noninterest expense to average assets | 1.9272% | 4,632 |
| Loan and lease loss provision to assets | 0.0737% | 2,522 |
| Net operating income to assets | 1.9734% | 379 |
| Return on assets (ROA) | 1.9968% | 370 |
| Pretax return on assets | 2.4210% | 241 |
| Return on Equity (ROE) | 17.8959% | 347 |
| Retained earnings to average equity (ytd only) | 13.2546% | 156 |
| Net charge-offs to loans | 0.0177% | 3,081 |
| Credit loss provision to net charge-offs | 540.9357% | 549 |
| Earnings coverage of net charge-offs (x) | 181.0216% | 423 |
| Efficiency ratio | 43.7264% | 4,988 |
| Assets per employee ($millions) | 14.4036% | 135 |
| Cash dividends to net income (ytd only)* | 25.9345% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 4,319 |
| Loan loss allowance to noncurrent loans | 301.0730% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 3,396 |
| Noncurrent loans to loans | 0.2638% | 3,500 |
| Net loans and leases to total assets | 78.0097% | 1,081 |
| Net loans and leases to deposits | 90.7714% | 1,509 |
| Net loans and leases to core deposits | 98.3241% | 1,705 |
| Total domestic deposits to total assets | 85.9409% | 2,090 |
| Equity capital to assets | 11.2485% | 2,764 |
| Core capital (leverage) ratio | 10.3448% | 3,143 |
| Tier 1 risk-based capital ratio | 10.6220% | 4,980 |
| Total risk-based capital ratio | 11.9058% | 4,893 |
| Memoranda: | ||
| Average total assets | $25,103,545,000 | 76 |
| Average earning assets | $23,431,073,000 | 73 |
| Average equity | $2,800,995,600 | 76 |
| Average total loans | $19,270,756,800 | 66 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 939 |
| Cost of funding earning assets | 0.7536% | 2,952 |
| Net interest margin | 4.5029% | 758 |
| Noninterest income to average assets | 0.1968% | 4,541 |
| Noninterest expense to average assets | 1.8896% | 4,711 |
| Loan and lease loss provision to assets | 0.0784% | 2,338 |
| Net operating income to assets | 1.9952% | 401 |
| Return on assets (ROA) | 2.0255% | 393 |
| Pretax return on assets | 2.4666% | 264 |
| Return on Equity (ROE) | 18.1932% | 377 |
| Retained earnings to average equity (ytd only) | 13.3374% | 247 |
| Net charge-offs to loans | 0.0156% | 2,843 |
| Credit loss provision to net charge-offs | 660.2914% | 507 |
| Earnings coverage of net charge-offs (x) | 211.2775% | 427 |
| Efficiency ratio | 42.8249% | 5,050 |
| Assets per employee ($millions) | 14.3333% | 139 |
| Cash dividends to net income (ytd only)* | 26.6899% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 4,357 |
| Loan loss allowance to noncurrent loans | 329.0811% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 3,570 |
| Noncurrent loans to loans | 0.2488% | 3,651 |
| Net loans and leases to total assets | 75.8706% | 1,506 |
| Net loans and leases to deposits | 88.0603% | 1,922 |
| Net loans and leases to core deposits | 94.2497% | 2,159 |
| Total domestic deposits to total assets | 86.1575% | 1,920 |
| Equity capital to assets | 11.1057% | 3,007 |
| Core capital (leverage) ratio | 10.1192% | 3,510 |
| Tier 1 risk-based capital ratio | 10.3322% | 5,128 |
| Total risk-based capital ratio | 11.6196% | 5,042 |
| Memoranda: | ||
| Average total assets | $24,663,763,000 | 77 |
| Average earning assets | $23,010,271,500 | 74 |
| Average equity | $2,745,829,250 | 78 |
| Average total loans | $18,807,622,000 | 68 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 863 |
| Cost of funding earning assets | 0.7517% | 2,882 |
| Net interest margin | 4.5192% | 739 |
| Noninterest income to average assets | 0.2001% | 4,552 |
| Noninterest expense to average assets | 1.8909% | 4,766 |
| Loan and lease loss provision to assets | 0.0871% | 2,109 |
| Net operating income to assets | 2.0107% | 378 |
| Return on assets (ROA) | 2.0292% | 388 |
| Pretax return on assets | 2.4576% | 259 |
| Return on Equity (ROE) | 18.2101% | 370 |
| Retained earnings to average equity (ytd only) | 12.9976% | 302 |
| Net charge-offs to loans | 0.0306% | 2,244 |
| Credit loss provision to net charge-offs | 374.0648% | 763 |
| Earnings coverage of net charge-offs (x) | 108.3010% | 657 |
| Efficiency ratio | 42.6994% | 5,101 |
| Assets per employee ($millions) | 13.8802% | 133 |
| Cash dividends to net income (ytd only)* | 28.6241% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 4,328 |
| Loan loss allowance to noncurrent loans | 310.4971% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,522 |
| Noncurrent loans to loans | 0.2684% | 3,570 |
| Net loans and leases to total assets | 75.3190% | 1,665 |
| Net loans and leases to deposits | 87.7456% | 2,034 |
| Net loans and leases to core deposits | 93.7759% | 2,259 |
| Total domestic deposits to total assets | 85.8379% | 2,118 |
| Equity capital to assets | 11.0970% | 2,948 |
| Core capital (leverage) ratio | 10.4809% | 3,117 |
| Tier 1 risk-based capital ratio | 10.4372% | 5,125 |
| Total risk-based capital ratio | 11.7743% | 5,012 |
| Memoranda: | ||
| Average total assets | $24,103,463,330 | 77 |
| Average earning assets | $22,471,977,000 | 73 |
| Average equity | $2,685,855,670 | 78 |
| Average total loans | $18,359,209,000 | 68 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 735 |
| Cost of funding earning assets | 0.7326% | 2,871 |
| Net interest margin | 4.5824% | 634 |
| Noninterest income to average assets | 0.1925% | 4,603 |
| Noninterest expense to average assets | 1.9565% | 4,718 |
| Loan and lease loss provision to assets | 0.0596% | 2,463 |
| Net operating income to assets | 2.0186% | 375 |
| Return on assets (ROA) | 2.0445% | 372 |
| Pretax return on assets | 2.4712% | 260 |
| Return on Equity (ROE) | 18.3066% | 372 |
| Retained earnings to average equity (ytd only) | 12.2056% | 578 |
| Net charge-offs to loans | 0.0275% | 1,907 |
| Credit loss provision to net charge-offs | 284.5528% | 858 |
| Earnings coverage of net charge-offs (x) | 119.3073% | 596 |
| Efficiency ratio | 43.7570% | 5,109 |
| Assets per employee ($millions) | 13.3036% | 156 |
| Cash dividends to net income (ytd only)* | 33.3269% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,322 |
| Loan loss allowance to noncurrent loans | 353.7708% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 3,638 |
| Noncurrent loans to loans | 0.2418% | 3,702 |
| Net loans and leases to total assets | 75.3851% | 1,584 |
| Net loans and leases to deposits | 87.4835% | 1,941 |
| Net loans and leases to core deposits | 94.0278% | 2,120 |
| Total domestic deposits to total assets | 86.1706% | 2,199 |
| Equity capital to assets | 11.2352% | 2,619 |
| Core capital (leverage) ratio | 10.4555% | 3,097 |
| Tier 1 risk-based capital ratio | 10.5638% | 5,164 |
| Total risk-based capital ratio | 11.9500% | 5,008 |
| Memoranda: | ||
| Average total assets | $23,482,537,500 | 78 |
| Average earning assets | $21,849,165,500 | 76 |
| Average equity | $2,622,501,000 | 82 |
| Average total loans | $17,913,688,500 | 71 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 787 |
| Cost of funding earning assets | 0.5169% | 3,244 |
| Net interest margin | 4.6211% | 578 |
| Noninterest income to average assets | 0.2438% | 4,462 |
| Noninterest expense to average assets | 1.9150% | 4,877 |
| Loan and lease loss provision to assets | 0.1068% | 2,064 |
| Net operating income to assets | 2.1251% | 290 |
| Return on assets (ROA) | 2.0880% | 300 |
| Pretax return on assets | 2.4706% | 219 |
| Return on Equity (ROE) | 18.5371% | 342 |
| Retained earnings to average equity (ytd only) | 12.3693% | 292 |
| Net charge-offs to loans | 0.0636% | 2,207 |
| Credit loss provision to net charge-offs | 223.0717% | 1,311 |
| Earnings coverage of net charge-offs (x) | 54.7668% | 1,083 |
| Efficiency ratio | 42.0546% | 5,238 |
| Assets per employee ($millions) | 12.7625% | 170 |
| Cash dividends to net income (ytd only)* | 33.2728% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,319 |
| Loan loss allowance to noncurrent loans | 540.2087% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 3,878 |
| Noncurrent loans to loans | 0.1596% | 4,023 |
| Net loans and leases to total assets | 75.8822% | 1,635 |
| Net loans and leases to deposits | 90.0575% | 1,795 |
| Net loans and leases to core deposits | 96.7465% | 1,986 |
| Total domestic deposits to total assets | 84.2596% | 2,920 |
| Equity capital to assets | 11.0986% | 2,594 |
| Core capital (leverage) ratio | 10.4357% | 3,099 |
| Tier 1 risk-based capital ratio | 10.5157% | 5,171 |
| Total risk-based capital ratio | 11.9263% | 5,016 |
| Memoranda: | ||
| Average total assets | $21,590,867,200 | 81 |
| Average earning assets | $20,054,271,600 | 79 |
| Average equity | $2,431,985,400 | 86 |
| Average total loans | $16,246,085,600 | 75 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 801 |
| Cost of funding earning assets | 0.4660% | 3,415 |
| Net interest margin | 4.6092% | 587 |
| Noninterest income to average assets | 0.2497% | 4,482 |
| Noninterest expense to average assets | 1.8834% | 4,930 |
| Loan and lease loss provision to assets | 0.1072% | 1,868 |
| Net operating income to assets | 2.1393% | 287 |
| Return on assets (ROA) | 2.0868% | 313 |
| Pretax return on assets | 2.4770% | 243 |
| Return on Equity (ROE) | 18.4520% | 383 |
| Retained earnings to average equity (ytd only) | 15.6719% | 152 |
| Net charge-offs to loans | 0.0591% | 1,978 |
| Credit loss provision to net charge-offs | 242.2219% | 1,208 |
| Earnings coverage of net charge-offs (x) | 59.7973% | 1,066 |
| Efficiency ratio | 41.4097% | 5,292 |
| Assets per employee ($millions) | 12.2009% | 187 |
| Cash dividends to net income (ytd only)* | 15.0664% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,281 |
| Loan loss allowance to noncurrent loans | 407.9157% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 3,775 |
| Noncurrent loans to loans | 0.2198% | 3,919 |
| Net loans and leases to total assets | 74.7603% | 1,860 |
| Net loans and leases to deposits | 86.6659% | 2,298 |
| Net loans and leases to core deposits | 91.6871% | 2,511 |
| Total domestic deposits to total assets | 86.2627% | 2,073 |
| Equity capital to assets | 11.3292% | 2,376 |
| Core capital (leverage) ratio | 10.7572% | 2,832 |
| Tier 1 risk-based capital ratio | 11.0621% | 5,007 |
| Total risk-based capital ratio | 12.5462% | 4,794 |
| Memoranda: | ||
| Average total assets | $21,203,985,750 | 81 |
| Average earning assets | $19,691,579,000 | 80 |
| Average equity | $2,397,974,750 | 86 |
| Average total loans | $15,879,949,750 | 76 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 802 |
| Cost of funding earning assets | 0.4259% | 3,532 |
| Net interest margin | 4.5821% | 576 |
| Noninterest income to average assets | 0.2596% | 4,452 |
| Noninterest expense to average assets | 1.8464% | 5,039 |
| Loan and lease loss provision to assets | 0.1054% | 1,851 |
| Net operating income to assets | 2.0802% | 320 |
| Return on assets (ROA) | 2.0669% | 322 |
| Pretax return on assets | 2.5448% | 207 |
| Return on Equity (ROE) | 18.2880% | 395 |
| Retained earnings to average equity (ytd only) | 16.5928% | 135 |
| Net charge-offs to loans | 0.0509% | 1,875 |
| Credit loss provision to net charge-offs | 277.2876% | 1,074 |
| Earnings coverage of net charge-offs (x) | 70.1689% | 909 |
| Efficiency ratio | 40.7445% | 5,382 |
| Assets per employee ($millions) | 11.9220% | 193 |
| Cash dividends to net income (ytd only)* | 9.2693% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,288 |
| Loan loss allowance to noncurrent loans | 433.7640% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 3,832 |
| Noncurrent loans to loans | 0.2101% | 3,970 |
| Net loans and leases to total assets | 74.6792% | 1,840 |
| Net loans and leases to deposits | 87.2512% | 2,187 |
| Net loans and leases to core deposits | 92.2241% | 2,382 |
| Total domestic deposits to total assets | 85.5910% | 2,461 |
| Equity capital to assets | 11.3916% | 2,273 |
| Core capital (leverage) ratio | 10.6939% | 2,817 |
| Tier 1 risk-based capital ratio | 10.9837% | 5,061 |
| Total risk-based capital ratio | 12.5028% | 4,818 |
| Memoranda: | ||
| Average total assets | $20,878,237,330 | 83 |
| Average earning assets | $19,380,262,330 | 81 |
| Average equity | $2,359,650,000 | 86 |
| Average total loans | $15,595,678,000 | 76 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 871 |
| Cost of funding earning assets | 0.3628% | 3,896 |
| Net interest margin | 4.5370% | 570 |
| Noninterest income to average assets | 0.2649% | 4,409 |
| Noninterest expense to average assets | 1.8344% | 5,117 |
| Loan and lease loss provision to assets | 0.1164% | 1,628 |
| Net operating income to assets | 2.0748% | 313 |
| Return on assets (ROA) | 2.0595% | 325 |
| Pretax return on assets | 2.5042% | 210 |
| Return on Equity (ROE) | 18.2980% | 380 |
| Retained earnings to average equity (ytd only) | 16.5738% | 216 |
| Net charge-offs to loans | 0.0363% | 1,796 |
| Credit loss provision to net charge-offs | 431.3444% | 660 |
| Earnings coverage of net charge-offs (x) | 97.7692% | 623 |
| Efficiency ratio | 40.8319% | 5,438 |
| Assets per employee ($millions) | 12.0270% | 194 |
| Cash dividends to net income (ytd only)* | 9.4229% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,308 |
| Loan loss allowance to noncurrent loans | 388.1600% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 3,816 |
| Noncurrent loans to loans | 0.2394% | 3,916 |
| Net loans and leases to total assets | 74.0394% | 1,849 |
| Net loans and leases to deposits | 87.5768% | 1,986 |
| Net loans and leases to core deposits | 98.3989% | 1,812 |
| Total domestic deposits to total assets | 84.5423% | 3,104 |
| Equity capital to assets | 11.2813% | 2,320 |
| Core capital (leverage) ratio | 10.4407% | 3,020 |
| Tier 1 risk-based capital ratio | 10.7694% | 5,258 |
| Total risk-based capital ratio | 12.3163% | 4,999 |
| Memoranda: | ||
| Average total assets | $20,611,423,000 | 84 |
| Average earning assets | $19,120,011,500 | 82 |
| Average equity | $2,319,901,500 | 87 |
| Average total loans | $15,324,894,500 | 77 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 960 |
| Cost of funding earning assets | 0.2820% | 4,298 |
| Net interest margin | 4.5294% | 575 |
| Noninterest income to average assets | 0.2190% | 4,838 |
| Noninterest expense to average assets | 1.8858% | 5,134 |
| Loan and lease loss provision to assets | 0.1014% | 2,198 |
| Net operating income to assets | 1.7701% | 458 |
| Return on assets (ROA) | 1.7770% | 463 |
| Pretax return on assets | 2.4571% | 190 |
| Return on Equity (ROE) | 15.5380% | 538 |
| Retained earnings to average equity (ytd only) | 12.2856% | 165 |
| Net charge-offs to loans | 0.0221% | 3,363 |
| Credit loss provision to net charge-offs | 613.5048% | 525 |
| Earnings coverage of net charge-offs (x) | 154.2447% | 472 |
| Efficiency ratio | 42.2753% | 5,490 |
| Assets per employee ($millions) | 11.6795% | 205 |
| Cash dividends to net income (ytd only)* | 20.9319% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 4,330 |
| Loan loss allowance to noncurrent loans | 327.0111% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 3,740 |
| Noncurrent loans to loans | 0.2837% | 3,766 |
| Net loans and leases to total assets | 73.2750% | 2,051 |
| Net loans and leases to deposits | 86.7657% | 2,164 |
| Net loans and leases to core deposits | 96.8005% | 1,959 |
| Total domestic deposits to total assets | 84.4516% | 3,055 |
| Equity capital to assets | 11.2290% | 2,407 |
| Core capital (leverage) ratio | 10.2535% | 3,124 |
| Tier 1 risk-based capital ratio | 10.7358% | 5,277 |
| Total risk-based capital ratio | 12.3226% | 4,992 |
| Memoranda: | ||
| Average total assets | $18,819,621,800 | 86 |
| Average earning assets | $17,516,571,600 | 83 |
| Average equity | $2,152,264,600 | 85 |
| Average total loans | $14,088,045,400 | 77 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 969 |
| Cost of funding earning assets | 0.2711% | 4,397 |
| Net interest margin | 4.5047% | 597 |
| Noninterest income to average assets | 0.2137% | 4,939 |
| Noninterest expense to average assets | 1.8266% | 5,240 |
| Loan and lease loss provision to assets | 0.1019% | 2,073 |
| Net operating income to assets | 1.7758% | 487 |
| Return on assets (ROA) | 1.7805% | 497 |
| Pretax return on assets | 2.4898% | 207 |
| Return on Equity (ROE) | 15.4912% | 591 |
| Retained earnings to average equity (ytd only) | 12.9727% | 223 |
| Net charge-offs to loans | 0.0168% | 3,178 |
| Credit loss provision to net charge-offs | 809.6607% | 428 |
| Earnings coverage of net charge-offs (x) | 205.4110% | 424 |
| Efficiency ratio | 41.1299% | 5,552 |
| Assets per employee ($millions) | 11.7904% | 189 |
| Cash dividends to net income (ytd only)* | 16.2581% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 4,381 |
| Loan loss allowance to noncurrent loans | 247.9563% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,590 |
| Noncurrent loans to loans | 0.3788% | 3,593 |
| Net loans and leases to total assets | 72.5249% | 2,179 |
| Net loans and leases to deposits | 84.7663% | 2,467 |
| Net loans and leases to core deposits | 95.8292% | 2,094 |
| Total domestic deposits to total assets | 85.5586% | 2,496 |
| Equity capital to assets | 11.2778% | 2,592 |
| Core capital (leverage) ratio | 10.2239% | 3,287 |
| Tier 1 risk-based capital ratio | 10.9717% | 5,259 |
| Total risk-based capital ratio | 12.6220% | 4,925 |
| Memoranda: | ||
| Average total assets | $18,423,517,750 | 86 |
| Average earning assets | $17,169,088,750 | 84 |
| Average equity | $2,117,539,500 | 84 |
| Average total loans | $13,837,293,000 | 78 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 942 |
| Cost of funding earning assets | 0.2589% | 4,472 |
| Net interest margin | 4.5038% | 563 |
| Noninterest income to average assets | 0.2214% | 4,923 |
| Noninterest expense to average assets | 1.8613% | 5,239 |
| Loan and lease loss provision to assets | 0.0863% | 2,260 |
| Net operating income to assets | 1.7862% | 464 |
| Return on assets (ROA) | 1.7909% | 474 |
| Pretax return on assets | 2.4711% | 225 |
| Return on Equity (ROE) | 15.4749% | 600 |
| Retained earnings to average equity (ytd only) | 12.5873% | 274 |
| Net charge-offs to loans | 0.0070% | 3,209 |
| Credit loss provision to net charge-offs | 1,624.7379% | 257 |
| Earnings coverage of net charge-offs (x) | 480.0671% | 173 |
| Efficiency ratio | 41.8887% | 5,579 |
| Assets per employee ($millions) | 11.3832% | 201 |
| Cash dividends to net income (ytd only)* | 18.6597% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 4,476 |
| Loan loss allowance to noncurrent loans | 416.0752% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 4,063 |
| Noncurrent loans to loans | 0.2257% | 4,219 |
| Net loans and leases to total assets | 73.8847% | 1,894 |
| Net loans and leases to deposits | 86.1283% | 2,201 |
| Net loans and leases to core deposits | 97.4637% | 1,851 |
| Total domestic deposits to total assets | 85.7844% | 2,480 |
| Equity capital to assets | 11.5043% | 2,316 |
| Core capital (leverage) ratio | 10.1458% | 3,343 |
| Tier 1 risk-based capital ratio | 11.0008% | 5,250 |
| Total risk-based capital ratio | 12.6983% | 4,886 |
| Memoranda: | ||
| Average total assets | $17,954,195,330 | 86 |
| Average earning assets | $16,706,453,670 | 86 |
| Average equity | $2,077,870,000 | 83 |
| Average total loans | $13,610,012,670 | 78 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 948 |
| Cost of funding earning assets | 0.2505% | 4,531 |
| Net interest margin | 4.4427% | 585 |
| Noninterest income to average assets | 0.2235% | 4,931 |
| Noninterest expense to average assets | 1.9003% | 5,238 |
| Loan and lease loss provision to assets | 0.1082% | 1,763 |
| Net operating income to assets | 1.7434% | 505 |
| Return on assets (ROA) | 1.7541% | 503 |
| Pretax return on assets | 2.3600% | 269 |
| Return on Equity (ROE) | 15.1084% | 629 |
| Retained earnings to average equity (ytd only) | 11.1837% | 577 |
| Net charge-offs to loans | 0.0389% | 2,032 |
| Credit loss provision to net charge-offs | 363.9847% | 696 |
| Earnings coverage of net charge-offs (x) | 82.5303% | 641 |
| Efficiency ratio | 43.2843% | 5,618 |
| Assets per employee ($millions) | 11.3258% | 201 |
| Cash dividends to net income (ytd only)* | 25.9767% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,625 |
| Loan loss allowance to noncurrent loans | 359.2492% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 3,910 |
| Noncurrent loans to loans | 0.2599% | 4,184 |
| Net loans and leases to total assets | 75.0750% | 1,565 |
| Net loans and leases to deposits | 87.9348% | 1,805 |
| Net loans and leases to core deposits | 101.5085% | 1,402 |
| Total domestic deposits to total assets | 85.3758% | 2,932 |
| Equity capital to assets | 11.5055% | 2,176 |
| Core capital (leverage) ratio | 10.4666% | 2,942 |
| Tier 1 risk-based capital ratio | 10.7808% | 5,423 |
| Total risk-based capital ratio | 12.4987% | 5,073 |
| Memoranda: | ||
| Average total assets | $17,557,258,000 | 87 |
| Average earning assets | $16,323,468,000 | 86 |
| Average equity | $2,038,388,000 | 82 |
| Average total loans | $13,423,392,500 | 79 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 1,060 |
| Cost of funding earning assets | 0.2453% | 4,609 |
| Net interest margin | 4.4546% | 676 |
| Noninterest income to average assets | 0.2555% | 4,889 |
| Noninterest expense to average assets | 1.9902% | 5,209 |
| Loan and lease loss provision to assets | 0.0702% | 2,948 |
| Net operating income to assets | 1.6588% | 597 |
| Return on assets (ROA) | 1.6588% | 624 |
| Pretax return on assets | 2.3182% | 267 |
| Return on Equity (ROE) | 14.7515% | 659 |
| Retained earnings to average equity (ytd only) | 14.7515% | 114 |
| Net charge-offs to loans | 0.0462% | 3,115 |
| Credit loss provision to net charge-offs | 198.1122% | 1,429 |
| Earnings coverage of net charge-offs (x) | 67.4037% | 820 |
| Efficiency ratio | 45.0551% | 5,668 |
| Assets per employee ($millions) | 10.6978% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,622 |
| Loan loss allowance to noncurrent loans | 325.5492% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,814 |
| Noncurrent loans to loans | 0.2888% | 4,116 |
| Net loans and leases to total assets | 76.4382% | 1,444 |
| Net loans and leases to deposits | 89.7232% | 1,714 |
| Net loans and leases to core deposits | 105.6582% | 1,151 |
| Total domestic deposits to total assets | 85.1934% | 2,959 |
| Equity capital to assets | 11.7200% | 1,994 |
| Core capital (leverage) ratio | 10.2603% | 3,159 |
| Tier 1 risk-based capital ratio | 10.8260% | 5,417 |
| Total risk-based capital ratio | 12.5946% | 5,045 |
| Memoranda: | ||
| Average total assets | $15,995,652,000 | 90 |
| Average earning assets | $14,805,285,400 | 88 |
| Average equity | $1,798,674,200 | 88 |
| Average total loans | $12,273,541,400 | 79 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,138 |
| Cost of funding earning assets | 0.2463% | 4,637 |
| Net interest margin | 4.4231% | 744 |
| Noninterest income to average assets | 0.2585% | 4,912 |
| Noninterest expense to average assets | 1.9710% | 5,263 |
| Loan and lease loss provision to assets | 0.0868% | 2,492 |
| Net operating income to assets | 1.6319% | 680 |
| Return on assets (ROA) | 1.6319% | 719 |
| Pretax return on assets | 2.2927% | 323 |
| Return on Equity (ROE) | 14.6808% | 707 |
| Retained earnings to average equity (ytd only) | 14.6808% | 143 |
| Net charge-offs to loans | 0.0718% | 2,289 |
| Credit loss provision to net charge-offs | 157.6603% | 1,718 |
| Earnings coverage of net charge-offs (x) | 43.2431% | 1,179 |
| Efficiency ratio | 44.8977% | 5,715 |
| Assets per employee ($millions) | 10.8402% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 4,707 |
| Loan loss allowance to noncurrent loans | 314.6686% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 3,854 |
| Noncurrent loans to loans | 0.2984% | 4,184 |
| Net loans and leases to total assets | 76.0939% | 1,512 |
| Net loans and leases to deposits | 89.1200% | 1,872 |
| Net loans and leases to core deposits | 106.5895% | 1,142 |
| Total domestic deposits to total assets | 85.3836% | 2,649 |
| Equity capital to assets | 11.5946% | 2,436 |
| Core capital (leverage) ratio | 9.9384% | 3,649 |
| Tier 1 risk-based capital ratio | 10.6481% | 5,548 |
| Total risk-based capital ratio | 12.4860% | 5,141 |
| Memoranda: | ||
| Average total assets | $15,720,788,250 | 91 |
| Average earning assets | $14,543,712,750 | 89 |
| Average equity | $1,747,455,000 | 92 |
| Average total loans | $12,044,119,000 | 79 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,253 |
| Cost of funding earning assets | 0.2430% | 4,726 |
| Net interest margin | 4.3645% | 826 |
| Noninterest income to average assets | 0.2699% | 4,849 |
| Noninterest expense to average assets | 1.9601% | 5,350 |
| Loan and lease loss provision to assets | 0.1075% | 2,066 |
| Net operating income to assets | 1.6152% | 696 |
| Return on assets (ROA) | 1.6152% | 743 |
| Pretax return on assets | 2.2343% | 347 |
| Return on Equity (ROE) | 14.7656% | 707 |
| Retained earnings to average equity (ytd only) | 14.7656% | 154 |
| Net charge-offs to loans | 0.0899% | 1,944 |
| Credit loss provision to net charge-offs | 156.2666% | 1,546 |
| Earnings coverage of net charge-offs (x) | 34.0486% | 1,289 |
| Efficiency ratio | 45.1412% | 5,787 |
| Assets per employee ($millions) | 10.7481% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,782 |
| Loan loss allowance to noncurrent loans | 274.8348% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 3,758 |
| Noncurrent loans to loans | 0.3438% | 4,136 |
| Net loans and leases to total assets | 76.5529% | 1,406 |
| Net loans and leases to deposits | 89.4907% | 1,813 |
| Net loans and leases to core deposits | 106.9952% | 1,104 |
| Total domestic deposits to total assets | 85.5428% | 2,628 |
| Equity capital to assets | 11.3979% | 2,641 |
| Core capital (leverage) ratio | 10.1053% | 3,443 |
| Tier 1 risk-based capital ratio | 10.3713% | 5,733 |
| Total risk-based capital ratio | 12.2417% | 5,355 |
| Memoranda: | ||
| Average total assets | $15,313,293,670 | 91 |
| Average earning assets | $14,146,459,000 | 90 |
| Average equity | $1,675,105,330 | 95 |
| Average total loans | $11,720,491,330 | 80 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 1,432 |
| Cost of funding earning assets | 0.2316% | 4,887 |
| Net interest margin | 4.2961% | 938 |
| Noninterest income to average assets | 0.3274% | 4,390 |
| Noninterest expense to average assets | 1.9655% | 5,405 |
| Loan and lease loss provision to assets | 0.1587% | 1,317 |
| Net operating income to assets | 1.6257% | 666 |
| Return on assets (ROA) | 1.6257% | 707 |
| Pretax return on assets | 2.1610% | 411 |
| Return on Equity (ROE) | 15.2236% | 635 |
| Retained earnings to average equity (ytd only) | 15.2236% | 234 |
| Net charge-offs to loans | 0.2023% | 984 |
| Credit loss provision to net charge-offs | 103.0303% | 1,583 |
| Earnings coverage of net charge-offs (x) | 15.0618% | 1,678 |
| Efficiency ratio | 45.4232% | 5,833 |
| Assets per employee ($millions) | 10.1726% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 4,300 |
| Loan loss allowance to noncurrent loans | 382.7006% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 4,015 |
| Noncurrent loans to loans | 0.2765% | 4,442 |
| Net loans and leases to total assets | 73.1922% | 1,855 |
| Net loans and leases to deposits | 84.7415% | 2,222 |
| Net loans and leases to core deposits | 104.6311% | 1,154 |
| Total domestic deposits to total assets | 86.3712% | 2,508 |
| Equity capital to assets | 10.6081% | 3,359 |
| Core capital (leverage) ratio | 9.1827% | 4,617 |
| Tier 1 risk-based capital ratio | 9.6541% | 5,978 |
| Total risk-based capital ratio | 11.6953% | 5,692 |
| Memoranda: | ||
| Average total assets | $14,656,260,500 | 95 |
| Average earning assets | $13,501,959,500 | 92 |
| Average equity | $1,565,073,500 | 102 |
| Average total loans | $11,155,657,500 | 82 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,682 |
| Cost of funding earning assets | 0.2229% | 5,065 |
| Net interest margin | 4.2505% | 1,065 |
| Noninterest income to average assets | 0.2341% | 5,192 |
| Noninterest expense to average assets | 1.9913% | 5,471 |
| Loan and lease loss provision to assets | 0.0278% | 3,818 |
| Net operating income to assets | 1.5842% | 735 |
| Return on assets (ROA) | 1.5879% | 748 |
| Pretax return on assets | 2.1452% | 387 |
| Return on Equity (ROE) | 15.4345% | 621 |
| Retained earnings to average equity (ytd only) | 5.2355% | 2,253 |
| Net charge-offs to loans | -0.0561% | 5,589 |
| Credit loss provision to net charge-offs | -63.3255% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4980% | 5,860 |
| Assets per employee ($millions) | 9.6229% | 304 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 4,223 |
| Loan loss allowance to noncurrent loans | 326.4896% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,751 |
| Noncurrent loans to loans | 0.3269% | 4,290 |
| Net loans and leases to total assets | 77.5702% | 1,182 |
| Net loans and leases to deposits | 91.2070% | 1,487 |
| Net loans and leases to core deposits | 112.6601% | 738 |
| Total domestic deposits to total assets | 85.0485% | 3,066 |
| Equity capital to assets | 10.7539% | 3,071 |
| Core capital (leverage) ratio | 8.9468% | 4,947 |
| Tier 1 risk-based capital ratio | 9.2807% | 6,076 |
| Total risk-based capital ratio | 11.3595% | 5,853 |
| Memoranda: | ||
| Average total assets | $12,580,314,400 | 98 |
| Average earning assets | $11,617,822,600 | 98 |
| Average equity | $1,294,246,200 | 110 |
| Average total loans | $9,859,746,600 | 89 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 2,009 |
| Cost of funding earning assets | 0.2200% | 5,186 |
| Net interest margin | 4.1509% | 1,278 |
| Noninterest income to average assets | 0.2162% | 5,362 |
| Noninterest expense to average assets | 1.9741% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5431% | 861 |
| Return on assets (ROA) | 1.5478% | 894 |
| Pretax return on assets | 2.0877% | 515 |
| Return on Equity (ROE) | 15.2458% | 696 |
| Retained earnings to average equity (ytd only) | 3.1763% | 4,203 |
| Net charge-offs to loans | -0.0842% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3379% | 5,856 |
| Assets per employee ($millions) | 9.6186% | 307 |
| Cash dividends to net income (ytd only)* | 79.1659% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 4,359 |
| Loan loss allowance to noncurrent loans | 529.9160% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 3,914 |
| Noncurrent loans to loans | 0.2027% | 4,839 |
| Net loans and leases to total assets | 76.8801% | 1,260 |
| Net loans and leases to deposits | 91.4162% | 1,473 |
| Net loans and leases to core deposits | 116.2608% | 580 |
| Total domestic deposits to total assets | 84.0990% | 3,384 |
| Equity capital to assets | 10.7799% | 3,262 |
| Core capital (leverage) ratio | 8.8382% | 5,193 |
| Tier 1 risk-based capital ratio | 9.0232% | 6,188 |
| Total risk-based capital ratio | 11.1072% | 6,045 |
| Memoranda: | ||
| Average total assets | $12,186,574,250 | 101 |
| Average earning assets | $11,271,101,250 | 101 |
| Average equity | $1,237,246,500 | 116 |
| Average total loans | $9,549,996,000 | 92 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 2,668 |
| Cost of funding earning assets | 0.2141% | 5,319 |
| Net interest margin | 3.9489% | 1,811 |
| Noninterest income to average assets | 0.1902% | 5,540 |
| Noninterest expense to average assets | 1.8841% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4519% | 984 |
| Return on assets (ROA) | 1.4594% | 1,018 |
| Pretax return on assets | 1.9765% | 623 |
| Return on Equity (ROE) | 14.7356% | 775 |
| Retained earnings to average equity (ytd only) | 0.5075% | 5,349 |
| Net charge-offs to loans | -0.0879% | 5,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6814% | 5,923 |
| Assets per employee ($millions) | 9.2784% | 335 |
| Cash dividends to net income (ytd only)* | 96.5558% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 4,324 |
| Loan loss allowance to noncurrent loans | 217.2910% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 3,233 |
| Noncurrent loans to loans | 0.5060% | 3,943 |
| Net loans and leases to total assets | 76.7149% | 1,269 |
| Net loans and leases to deposits | 89.0631% | 1,709 |
| Net loans and leases to core deposits | 110.4114% | 817 |
| Total domestic deposits to total assets | 86.1354% | 2,615 |
| Equity capital to assets | 10.9378% | 2,949 |
| Core capital (leverage) ratio | 9.1056% | 4,812 |
| Tier 1 risk-based capital ratio | 9.2700% | 6,229 |
| Total risk-based capital ratio | 11.4246% | 5,978 |
| Memoranda: | ||
| Average total assets | $11,638,251,000 | 107 |
| Average earning assets | $10,787,695,670 | 103 |
| Average equity | $1,152,652,330 | 125 |
| Average total loans | $9,150,268,000 | 98 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,008 |
| Cost of funding earning assets | 0.2294% | 5,221 |
| Net interest margin | 4.0985% | 1,280 |
| Noninterest income to average assets | 0.2118% | 5,436 |
| Noninterest expense to average assets | 1.8955% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5702% | 750 |
| Return on assets (ROA) | 1.5861% | 763 |
| Pretax return on assets | 2.1610% | 423 |
| Return on Equity (ROE) | 17.1152% | 461 |
| Retained earnings to average equity (ytd only) | 8.3269% | 1,445 |
| Net charge-offs to loans | -0.0552% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7220% | 6,078 |
| Assets per employee ($millions) | 9.6391% | 288 |
| Cash dividends to net income (ytd only)* | 51.3479% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 3,631 |
| Loan loss allowance to noncurrent loans | 228.7085% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 3,029 |
| Noncurrent loans to loans | 0.5511% | 3,926 |
| Net loans and leases to total assets | 77.8463% | 951 |
| Net loans and leases to deposits | 89.6062% | 1,428 |
| Net loans and leases to core deposits | 117.4571% | 471 |
| Total domestic deposits to total assets | 86.8760% | 2,438 |
| Equity capital to assets | 9.1150% | 5,176 |
| Core capital (leverage) ratio | 9.1217% | 4,821 |
| Tier 1 risk-based capital ratio | 9.4730% | 6,276 |
| Total risk-based capital ratio | 10.5795% | 6,274 |
| Memoranda: | ||
| Average total assets | $10,804,796,500 | 108 |
| Average earning assets | $10,078,059,500 | 107 |
| Average equity | $1,001,333,500 | 138 |
| Average total loans | $8,565,148,500 | 100 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,855 |
| Cost of funding earning assets | 0.2491% | 5,329 |
| Net interest margin | 4.2526% | 1,159 |
| Noninterest income to average assets | 0.2754% | 5,145 |
| Noninterest expense to average assets | 2.0404% | 5,694 |
| Loan and lease loss provision to assets | 0.0425% | 3,715 |
| Net operating income to assets | 1.5887% | 725 |
| Return on assets (ROA) | 1.5806% | 772 |
| Pretax return on assets | 2.1234% | 388 |
| Return on Equity (ROE) | 17.0461% | 488 |
| Retained earnings to average equity (ytd only) | 10.4729% | 446 |
| Net charge-offs to loans | -0.0777% | 6,053 |
| Credit loss provision to net charge-offs | -71.7839% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0751% | 6,182 |
| Assets per employee ($millions) | 9.1178% | 320 |
| Cash dividends to net income (ytd only)* | 38.5614% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 3,364 |
| Loan loss allowance to noncurrent loans | 196.9976% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 3,010 |
| Noncurrent loans to loans | 0.6651% | 3,688 |
| Net loans and leases to total assets | 78.6859% | 920 |
| Net loans and leases to deposits | 92.1790% | 1,271 |
| Net loans and leases to core deposits | 119.9142% | 413 |
| Total domestic deposits to total assets | 85.3621% | 3,138 |
| Equity capital to assets | 9.4296% | 4,809 |
| Core capital (leverage) ratio | 9.2422% | 4,613 |
| Tier 1 risk-based capital ratio | 10.0227% | 6,254 |
| Total risk-based capital ratio | 11.2051% | 6,223 |
| Memoranda: | ||
| Average total assets | $9,844,402,200 | 112 |
| Average earning assets | $9,116,025,000 | 109 |
| Average equity | $912,793,400 | 142 |
| Average total loans | $7,503,195,000 | 104 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,862 |
| Cost of funding earning assets | 0.2501% | 5,412 |
| Net interest margin | 4.2514% | 1,153 |
| Noninterest income to average assets | 0.2648% | 5,315 |
| Noninterest expense to average assets | 2.0186% | 5,736 |
| Loan and lease loss provision to assets | 0.0535% | 3,304 |
| Net operating income to assets | 1.5861% | 777 |
| Return on assets (ROA) | 1.5712% | 837 |
| Pretax return on assets | 2.1081% | 445 |
| Return on Equity (ROE) | 17.0235% | 545 |
| Retained earnings to average equity (ytd only) | 11.0581% | 506 |
| Net charge-offs to loans | -0.0890% | 6,103 |
| Credit loss provision to net charge-offs | -79.8561% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7344% | 6,211 |
| Assets per employee ($millions) | 9.0674% | 328 |
| Cash dividends to net income (ytd only)* | 35.0422% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 3,292 |
| Loan loss allowance to noncurrent loans | 185.1522% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 3,197 |
| Noncurrent loans to loans | 0.7418% | 3,752 |
| Net loans and leases to total assets | 76.4949% | 1,157 |
| Net loans and leases to deposits | 89.1296% | 1,535 |
| Net loans and leases to core deposits | 114.6120% | 568 |
| Total domestic deposits to total assets | 85.8244% | 2,942 |
| Equity capital to assets | 9.3707% | 4,954 |
| Core capital (leverage) ratio | 9.2598% | 4,695 |
| Tier 1 risk-based capital ratio | 10.0809% | 6,328 |
| Total risk-based capital ratio | 11.2945% | 6,296 |
| Memoranda: | ||
| Average total assets | $9,686,400,750 | 114 |
| Average earning assets | $8,953,806,250 | 110 |
| Average equity | $894,021,250 | 144 |
| Average total loans | $7,290,768,250 | 105 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 1,805 |
| Cost of funding earning assets | 0.2489% | 5,499 |
| Net interest margin | 4.2587% | 1,120 |
| Noninterest income to average assets | 0.2501% | 5,409 |
| Noninterest expense to average assets | 2.0551% | 5,715 |
| Loan and lease loss provision to assets | 0.0735% | 2,799 |
| Net operating income to assets | 1.5303% | 825 |
| Return on assets (ROA) | 1.5047% | 896 |
| Pretax return on assets | 2.0241% | 531 |
| Return on Equity (ROE) | 16.3920% | 613 |
| Retained earnings to average equity (ytd only) | 9.0762% | 964 |
| Net charge-offs to loans | -0.0581% | 5,942 |
| Credit loss provision to net charge-offs | -169.9175% | 5,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7284% | 6,245 |
| Assets per employee ($millions) | 8.9525% | 334 |
| Cash dividends to net income (ytd only)* | 44.6304% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 3,340 |
| Loan loss allowance to noncurrent loans | 224.9989% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 3,432 |
| Noncurrent loans to loans | 0.6230% | 4,157 |
| Net loans and leases to total assets | 74.6470% | 1,356 |
| Net loans and leases to deposits | 86.9541% | 1,714 |
| Net loans and leases to core deposits | 107.9488% | 770 |
| Total domestic deposits to total assets | 85.8464% | 3,128 |
| Equity capital to assets | 9.2121% | 5,092 |
| Core capital (leverage) ratio | 9.2683% | 4,640 |
| Tier 1 risk-based capital ratio | 10.2318% | 6,330 |
| Total risk-based capital ratio | 11.4804% | 6,288 |
| Memoranda: | ||
| Average total assets | $9,530,044,330 | 115 |
| Average earning assets | $8,791,591,670 | 109 |
| Average equity | $874,815,330 | 147 |
| Average total loans | $7,095,492,000 | 105 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,726 |
| Cost of funding earning assets | 0.2506% | 5,577 |
| Net interest margin | 4.2734% | 1,055 |
| Noninterest income to average assets | 0.2638% | 5,250 |
| Noninterest expense to average assets | 2.1002% | 5,680 |
| Loan and lease loss provision to assets | 0.1498% | 1,618 |
| Net operating income to assets | 1.4485% | 900 |
| Return on assets (ROA) | 1.4207% | 996 |
| Pretax return on assets | 1.9218% | 626 |
| Return on Equity (ROE) | 15.5056% | 704 |
| Retained earnings to average equity (ytd only) | 8.0339% | 1,584 |
| Net charge-offs to loans | -0.0202% | 5,369 |
| Credit loss provision to net charge-offs | -1,003.4384% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4004% | 6,292 |
| Assets per employee ($millions) | 8.6545% | 380 |
| Cash dividends to net income (ytd only)* | 48.1870% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 3,311 |
| Loan loss allowance to noncurrent loans | 197.2290% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 3,457 |
| Noncurrent loans to loans | 0.7425% | 4,011 |
| Net loans and leases to total assets | 73.1315% | 1,408 |
| Net loans and leases to deposits | 85.2285% | 1,702 |
| Net loans and leases to core deposits | 104.9167% | 802 |
| Total domestic deposits to total assets | 85.8064% | 3,464 |
| Equity capital to assets | 9.1226% | 4,977 |
| Core capital (leverage) ratio | 9.2565% | 4,636 |
| Tier 1 risk-based capital ratio | 10.3399% | 6,382 |
| Total risk-based capital ratio | 11.5903% | 6,338 |
| Memoranda: | ||
| Average total assets | $9,348,793,500 | 117 |
| Average earning assets | $8,610,271,500 | 112 |
| Average equity | $856,569,000 | 149 |
| Average total loans | $6,898,501,000 | 107 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 1,706 |
| Cost of funding earning assets | 0.2466% | 5,988 |
| Net interest margin | 4.4057% | 901 |
| Noninterest income to average assets | 0.3331% | 4,954 |
| Noninterest expense to average assets | 2.1370% | 5,755 |
| Loan and lease loss provision to assets | 0.1423% | 2,526 |
| Net operating income to assets | 1.5250% | 781 |
| Return on assets (ROA) | 1.5049% | 855 |
| Pretax return on assets | 2.0668% | 418 |
| Return on Equity (ROE) | 15.4946% | 686 |
| Retained earnings to average equity (ytd only) | 7.2622% | 1,332 |
| Net charge-offs to loans | 0.1222% | 3,588 |
| Credit loss provision to net charge-offs | 156.3582% | 1,477 |
| Earnings coverage of net charge-offs (x) | 24.5237% | 1,363 |
| Efficiency ratio | 48.2561% | 6,484 |
| Assets per employee ($millions) | 10.0492% | 225 |
| Cash dividends to net income (ytd only)* | 53.1307% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 3,314 |
| Loan loss allowance to noncurrent loans | 167.1885% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 3,286 |
| Noncurrent loans to loans | 0.8818% | 3,781 |
| Net loans and leases to total assets | 72.2666% | 1,644 |
| Net loans and leases to deposits | 84.6622% | 1,843 |
| Net loans and leases to core deposits | 104.2074% | 893 |
| Total domestic deposits to total assets | 85.3588% | 3,572 |
| Equity capital to assets | 9.2035% | 4,801 |
| Core capital (leverage) ratio | 9.4487% | 4,339 |
| Tier 1 risk-based capital ratio | 10.5216% | 6,358 |
| Total risk-based capital ratio | 11.7445% | 6,326 |
| Memoranda: | ||
| Average total assets | $8,379,655,800 | 124 |
| Average earning assets | $7,677,019,200 | 122 |
| Average equity | $813,856,000 | 145 |
| Average total loans | $6,242,587,600 | 114 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 1,226 |
| Cost of funding earning assets | 0.2990% | 5,749 |
| Net interest margin | 4.5562% | 669 |
| Noninterest income to average assets | 0.6764% | 2,745 |
| Noninterest expense to average assets | 2.0960% | 5,836 |
| Loan and lease loss provision to assets | 0.4521% | 629 |
| Net operating income to assets | 1.7671% | 569 |
| Return on assets (ROA) | 1.7665% | 593 |
| Pretax return on assets | 2.3620% | 293 |
| Return on Equity (ROE) | 20.5358% | 271 |
| Retained earnings to average equity (ytd only) | 16.8274% | 137 |
| Net charge-offs to loans | 0.1884% | 2,714 |
| Credit loss provision to net charge-offs | 305.4495% | 830 |
| Earnings coverage of net charge-offs (x) | 19.0175% | 1,646 |
| Efficiency ratio | 42.1211% | 6,708 |
| Assets per employee ($millions) | 11.3834% | 158 |
| Cash dividends to net income (ytd only)* | 18.0580% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,406 |
| Loan loss allowance to noncurrent loans | 141.8867% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 3,836 |
| Noncurrent loans to loans | 0.7607% | 4,326 |
| Net loans and leases to total assets | 76.5298% | 934 |
| Net loans and leases to deposits | 90.4387% | 1,119 |
| Net loans and leases to core deposits | 122.7279% | 282 |
| Total domestic deposits to total assets | 84.6206% | 3,919 |
| Equity capital to assets | 8.7111% | 5,506 |
| Core capital (leverage) ratio | 8.9751% | 5,161 |
| Tier 1 risk-based capital ratio | 9.1525% | 6,713 |
| Total risk-based capital ratio | 10.6328% | 6,670 |
| Memoranda: | ||
| Average total assets | $2,925,750,000 | 257 |
| Average earning assets | $2,719,170,500 | 248 |
| Average equity | $251,678,250 | 315 |
| Average total loans | $2,299,167,750 | 221 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 1,184 |
| Cost of funding earning assets | 0.2968% | 5,853 |
| Net interest margin | 4.5662% | 630 |
| Noninterest income to average assets | 0.9265% | 1,726 |
| Noninterest expense to average assets | 2.1792% | 5,683 |
| Loan and lease loss provision to assets | 0.2616% | 1,417 |
| Net operating income to assets | 2.0809% | 312 |
| Return on assets (ROA) | 2.0799% | 329 |
| Pretax return on assets | 2.7325% | 202 |
| Return on Equity (ROE) | 24.3019% | 135 |
| Retained earnings to average equity (ytd only) | 18.4293% | 116 |
| Net charge-offs to loans | 0.2351% | 2,307 |
| Credit loss provision to net charge-offs | 140.7493% | 1,611 |
| Earnings coverage of net charge-offs (x) | 16.1136% | 1,684 |
| Efficiency ratio | 41.5552% | 6,766 |
| Assets per employee ($millions) | 10.4174% | 196 |
| Cash dividends to net income (ytd only)* | 24.1654% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 6,106 |
| Loan loss allowance to noncurrent loans | 142.2800% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 3,968 |
| Noncurrent loans to loans | 0.6394% | 4,662 |
| Net loans and leases to total assets | 79.6814% | 566 |
| Net loans and leases to deposits | 91.8154% | 982 |
| Net loans and leases to core deposits | 125.4015% | 231 |
| Total domestic deposits to total assets | 86.7844% | 2,951 |
| Equity capital to assets | 8.5970% | 5,673 |
| Core capital (leverage) ratio | 8.3467% | 5,827 |
| Tier 1 risk-based capital ratio | 8.7140% | 6,774 |
| Total risk-based capital ratio | 10.1055% | 6,768 |
| Memoranda: | ||
| Average total assets | $2,785,431,330 | 272 |
| Average earning assets | $2,591,364,000 | 260 |
| Average equity | $238,392,670 | 327 |
| Average total loans | $2,202,499,670 | 232 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,772 |
| Cost of funding earning assets | 0.2983% | 5,976 |
| Net interest margin | 4.3211% | 927 |
| Noninterest income to average assets | 0.2255% | 5,852 |
| Noninterest expense to average assets | 1.9849% | 6,131 |
| Loan and lease loss provision to assets | 0.3974% | 779 |
| Net operating income to assets | 1.2811% | 1,330 |
| Return on assets (ROA) | 1.2811% | 1,428 |
| Pretax return on assets | 1.8606% | 788 |
| Return on Equity (ROE) | 15.0080% | 767 |
| Retained earnings to average equity (ytd only) | 8.8239% | 1,446 |
| Net charge-offs to loans | 0.2949% | 1,786 |
| Credit loss provision to net charge-offs | 172.1097% | 1,228 |
| Earnings coverage of net charge-offs (x) | 9.7786% | 1,808 |
| Efficiency ratio | 46.0666% | 6,691 |
| Assets per employee ($millions) | 9.8876% | 239 |
| Cash dividends to net income (ytd only)* | 41.2056% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,766 |
| Loan loss allowance to noncurrent loans | 97.7076% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2960% | 3,376 |
| Noncurrent loans to loans | 1.0823% | 3,986 |
| Net loans and leases to total assets | 76.4405% | 787 |
| Net loans and leases to deposits | 85.7609% | 1,376 |
| Net loans and leases to core deposits | 122.5716% | 251 |
| Total domestic deposits to total assets | 89.1321% | 1,605 |
| Equity capital to assets | 8.3522% | 6,146 |
| Core capital (leverage) ratio | 8.5352% | 5,540 |
| Tier 1 risk-based capital ratio | 8.9524% | 6,813 |
| Total risk-based capital ratio | 10.5475% | 6,779 |
| Memoranda: | ||
| Average total assets | $2,651,994,500 | 285 |
| Average earning assets | $2,465,658,000 | 277 |
| Average equity | $226,386,000 | 346 |
| Average total loans | $2,076,525,500 | 248 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 2,098 |
| Cost of funding earning assets | 0.3630% | 6,143 |
| Net interest margin | 4.4644% | 1,013 |
| Noninterest income to average assets | 0.1791% | 6,117 |
| Noninterest expense to average assets | 2.0333% | 6,268 |
| Loan and lease loss provision to assets | 0.1091% | 4,266 |
| Net operating income to assets | 1.5136% | 891 |
| Return on assets (ROA) | 1.5526% | 906 |
| Pretax return on assets | 2.2442% | 372 |
| Return on Equity (ROE) | 17.5982% | 475 |
| Retained earnings to average equity (ytd only) | 13.0515% | 250 |
| Net charge-offs to loans | 0.1631% | 4,072 |
| Credit loss provision to net charge-offs | 87.5635% | 3,569 |
| Earnings coverage of net charge-offs (x) | 18.4327% | 1,436 |
| Efficiency ratio | 46.1736% | 6,778 |
| Assets per employee ($millions) | 9.7906% | 261 |
| Cash dividends to net income (ytd only)* | 25.8363% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,784 |
| Loan loss allowance to noncurrent loans | 85.3138% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 3,453 |
| Noncurrent loans to loans | 1.2241% | 3,799 |
| Net loans and leases to total assets | 78.5848% | 612 |
| Net loans and leases to deposits | 90.6289% | 1,015 |
| Net loans and leases to core deposits | 129.5719% | 191 |
| Total domestic deposits to total assets | 86.7106% | 2,988 |
| Equity capital to assets | 8.7331% | 5,813 |
| Core capital (leverage) ratio | 8.6164% | 5,439 |
| Tier 1 risk-based capital ratio | 9.1783% | 6,837 |
| Total risk-based capital ratio | 10.8658% | 6,770 |
| Memoranda: | ||
| Average total assets | $2,368,283,800 | 309 |
| Average earning assets | $2,202,069,400 | 297 |
| Average equity | $208,942,200 | 361 |
| Average total loans | $1,809,387,400 | 265 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 2,387 |
| Cost of funding earning assets | 0.3781% | 6,244 |
| Net interest margin | 4.4234% | 1,155 |
| Noninterest income to average assets | 0.1693% | 6,290 |
| Noninterest expense to average assets | 1.9933% | 6,358 |
| Loan and lease loss provision to assets | 0.0699% | 4,798 |
| Net operating income to assets | 1.4859% | 1,045 |
| Return on assets (ROA) | 1.5151% | 1,103 |
| Pretax return on assets | 2.2643% | 427 |
| Return on Equity (ROE) | 17.1252% | 595 |
| Retained earnings to average equity (ytd only) | 12.5764% | 428 |
| Net charge-offs to loans | 0.1812% | 3,669 |
| Credit loss provision to net charge-offs | 51.0290% | 4,382 |
| Earnings coverage of net charge-offs (x) | 16.7325% | 1,668 |
| Efficiency ratio | 45.7214% | 6,828 |
| Assets per employee ($millions) | 9.7581% | 263 |
| Cash dividends to net income (ytd only)* | 26.5624% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 5,740 |
| Loan loss allowance to noncurrent loans | 74.1167% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6237% | 3,151 |
| Noncurrent loans to loans | 1.4761% | 3,579 |
| Net loans and leases to total assets | 76.1758% | 953 |
| Net loans and leases to deposits | 86.0667% | 1,594 |
| Net loans and leases to core deposits | 124.4664% | 242 |
| Total domestic deposits to total assets | 88.5079% | 1,719 |
| Equity capital to assets | 8.9436% | 5,877 |
| Core capital (leverage) ratio | 8.9268% | 5,158 |
| Tier 1 risk-based capital ratio | 9.4818% | 6,902 |
| Total risk-based capital ratio | 11.2571% | 6,779 |
| Memoranda: | ||
| Average total assets | $2,319,070,500 | 313 |
| Average earning assets | $2,157,118,750 | 298 |
| Average equity | $205,173,500 | 364 |
| Average total loans | $1,752,463,750 | 269 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 2,419 |
| Cost of funding earning assets | 0.3958% | 6,285 |
| Net interest margin | 4.4262% | 1,136 |
| Noninterest income to average assets | 0.1973% | 6,147 |
| Noninterest expense to average assets | 2.0313% | 6,368 |
| Loan and lease loss provision to assets | 0.0090% | 5,542 |
| Net operating income to assets | 1.4972% | 993 |
| Return on assets (ROA) | 1.5417% | 1,042 |
| Pretax return on assets | 2.3535% | 378 |
| Return on Equity (ROE) | 17.4933% | 575 |
| Retained earnings to average equity (ytd only) | 13.0186% | 437 |
| Net charge-offs to loans | 0.1690% | 3,590 |
| Credit loss provision to net charge-offs | 7.1182% | 4,764 |
| Earnings coverage of net charge-offs (x) | 18.0981% | 1,501 |
| Efficiency ratio | 46.1381% | 6,880 |
| Assets per employee ($millions) | 9.7938% | 243 |
| Cash dividends to net income (ytd only)* | 25.5798% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,610 |
| Loan loss allowance to noncurrent loans | 118.6901% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 4,341 |
| Noncurrent loans to loans | 0.9587% | 4,593 |
| Net loans and leases to total assets | 75.3327% | 1,057 |
| Net loans and leases to deposits | 88.2473% | 1,350 |
| Net loans and leases to core deposits | 119.0751% | 332 |
| Total domestic deposits to total assets | 85.3655% | 3,684 |
| Equity capital to assets | 8.9144% | 5,788 |
| Core capital (leverage) ratio | 8.7099% | 5,361 |
| Tier 1 risk-based capital ratio | 9.6516% | 6,896 |
| Total risk-based capital ratio | 11.6256% | 6,719 |
| Memoranda: | ||
| Average total assets | $2,282,172,330 | 316 |
| Average earning assets | $2,128,936,670 | 299 |
| Average equity | $201,128,330 | 371 |
| Average total loans | $1,712,829,330 | 273 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 2,653 |
| Cost of funding earning assets | 0.4137% | 6,342 |
| Net interest margin | 4.3833% | 1,264 |
| Noninterest income to average assets | 0.1919% | 6,233 |
| Noninterest expense to average assets | 2.0459% | 6,383 |
| Loan and lease loss provision to assets | -0.3546% | 7,243 |
| Net operating income to assets | 1.6993% | 721 |
| Return on assets (ROA) | 1.7426% | 745 |
| Pretax return on assets | 2.6609% | 273 |
| Return on Equity (ROE) | 19.8924% | 396 |
| Retained earnings to average equity (ytd only) | 15.8390% | 379 |
| Net charge-offs to loans | 0.0253% | 4,335 |
| Credit loss provision to net charge-offs | -1,883.9623% | 6,048 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 296 |
| Efficiency ratio | 46.9072% | 6,857 |
| Assets per employee ($millions) | 9.5827% | 274 |
| Cash dividends to net income (ytd only)* | 20.3770% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,742 |
| Loan loss allowance to noncurrent loans | 144.9978% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 4,682 |
| Noncurrent loans to loans | 0.7879% | 5,094 |
| Net loans and leases to total assets | 74.4348% | 995 |
| Net loans and leases to deposits | 86.5260% | 1,353 |
| Net loans and leases to core deposits | 122.9729% | 270 |
| Total domestic deposits to total assets | 86.0259% | 3,511 |
| Equity capital to assets | 8.8935% | 5,645 |
| Core capital (leverage) ratio | 8.8945% | 4,999 |
| Tier 1 risk-based capital ratio | 9.6641% | 6,941 |
| Total risk-based capital ratio | 11.6653% | 6,759 |
| Memoranda: | ||
| Average total assets | $2,252,895,500 | 315 |
| Average earning assets | $2,103,976,000 | 299 |
| Average equity | $197,361,500 | 369 |
| Average total loans | $1,677,429,500 | 274 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 3,037 |
| Cost of funding earning assets | 0.5946% | 6,111 |
| Net interest margin | 4.3725% | 1,472 |
| Noninterest income to average assets | 0.2215% | 5,945 |
| Noninterest expense to average assets | 2.3068% | 6,024 |
| Loan and lease loss provision to assets | 0.4905% | 2,156 |
| Net operating income to assets | 0.9441% | 2,434 |
| Return on assets (ROA) | 0.9661% | 2,468 |
| Pretax return on assets | 1.4962% | 1,485 |
| Return on Equity (ROE) | 11.1145% | 1,662 |
| Retained earnings to average equity (ytd only) | 9.9943% | 570 |
| Net charge-offs to loans | 0.6119% | 2,611 |
| Credit loss provision to net charge-offs | 114.2145% | 2,865 |
| Earnings coverage of net charge-offs (x) | 4.5474% | 3,072 |
| Efficiency ratio | 53.2342% | 6,584 |
| Assets per employee ($millions) | 9.9320% | 241 |
| Cash dividends to net income (ytd only)* | 10.0781% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 4,833 |
| Loan loss allowance to noncurrent loans | 127.0326% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 4,390 |
| Noncurrent loans to loans | 1.0357% | 4,634 |
| Net loans and leases to total assets | 72.6361% | 1,529 |
| Net loans and leases to deposits | 86.4566% | 1,620 |
| Net loans and leases to core deposits | 125.8161% | 279 |
| Total domestic deposits to total assets | 84.0146% | 4,309 |
| Equity capital to assets | 8.6250% | 5,984 |
| Core capital (leverage) ratio | 8.8499% | 5,020 |
| Tier 1 risk-based capital ratio | 9.6848% | 6,920 |
| Total risk-based capital ratio | 11.8977% | 6,602 |
| Memoranda: | ||
| Average total assets | $2,054,170,800 | 338 |
| Average earning assets | $1,897,087,400 | 327 |
| Average equity | $178,551,000 | 395 |
| Average total loans | $1,441,757,400 | 312 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9974% | 3,095 |
| Cost of funding earning assets | 0.6418% | 6,076 |
| Net interest margin | 4.3557% | 1,548 |
| Noninterest income to average assets | 0.2264% | 5,998 |
| Noninterest expense to average assets | 2.3680% | 5,856 |
| Loan and lease loss provision to assets | 0.4384% | 2,284 |
| Net operating income to assets | 0.9123% | 2,695 |
| Return on assets (ROA) | 0.9425% | 2,721 |
| Pretax return on assets | 1.4789% | 1,708 |
| Return on Equity (ROE) | 10.8201% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.8201% | 660 |
| Net charge-offs to loans | 0.6473% | 2,308 |
| Credit loss provision to net charge-offs | 97.8232% | 3,497 |
| Earnings coverage of net charge-offs (x) | 4.1730% | 3,155 |
| Efficiency ratio | 54.9294% | 6,393 |
| Assets per employee ($millions) | 9.5098% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,721 |
| Loan loss allowance to noncurrent loans | 122.4602% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 4,043 |
| Noncurrent loans to loans | 1.1131% | 4,695 |
| Net loans and leases to total assets | 70.6450% | 1,953 |
| Net loans and leases to deposits | 82.8189% | 2,201 |
| Net loans and leases to core deposits | 119.2074% | 412 |
| Total domestic deposits to total assets | 85.3007% | 3,616 |
| Equity capital to assets | 9.1282% | 5,608 |
| Core capital (leverage) ratio | 9.0307% | 4,882 |
| Tier 1 risk-based capital ratio | 10.6083% | 6,732 |
| Total risk-based capital ratio | 13.0995% | 5,984 |
| Memoranda: | ||
| Average total assets | $2,009,038,000 | 349 |
| Average earning assets | $1,850,422,750 | 338 |
| Average equity | $175,003,000 | 413 |
| Average total loans | $1,390,986,500 | 318 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 3,052 |
| Cost of funding earning assets | 0.6699% | 6,124 |
| Net interest margin | 4.3530% | 1,503 |
| Noninterest income to average assets | 0.2294% | 6,018 |
| Noninterest expense to average assets | 2.3866% | 5,883 |
| Loan and lease loss provision to assets | 0.5364% | 1,817 |
| Net operating income to assets | 0.8247% | 2,963 |
| Return on assets (ROA) | 0.8735% | 2,850 |
| Pretax return on assets | 1.3840% | 1,846 |
| Return on Equity (ROE) | 10.1975% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.1975% | 806 |
| Net charge-offs to loans | 0.6643% | 2,176 |
| Credit loss provision to net charge-offs | 118.0469% | 2,603 |
| Earnings coverage of net charge-offs (x) | 4.0585% | 2,979 |
| Efficiency ratio | 55.4546% | 6,468 |
| Assets per employee ($millions) | 9.3438% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 4,205 |
| Loan loss allowance to noncurrent loans | 152.2623% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 4,583 |
| Noncurrent loans to loans | 0.9743% | 5,036 |
| Net loans and leases to total assets | 68.4920% | 2,520 |
| Net loans and leases to deposits | 79.9861% | 2,803 |
| Net loans and leases to core deposits | 110.3390% | 711 |
| Total domestic deposits to total assets | 85.6299% | 3,538 |
| Equity capital to assets | 8.8286% | 5,785 |
| Core capital (leverage) ratio | 8.9693% | 4,775 |
| Tier 1 risk-based capital ratio | 10.9811% | 6,545 |
| Total risk-based capital ratio | 13.6338% | 5,428 |
| Memoranda: | ||
| Average total assets | $1,987,674,670 | 354 |
| Average earning assets | $1,827,096,670 | 347 |
| Average equity | $170,257,330 | 425 |
| Average total loans | $1,359,715,000 | 329 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 2,835 |
| Cost of funding earning assets | 0.6895% | 6,196 |
| Net interest margin | 4.3647% | 1,377 |
| Noninterest income to average assets | 0.1898% | 6,365 |
| Noninterest expense to average assets | 2.3848% | 5,932 |
| Loan and lease loss provision to assets | 0.3276% | 2,588 |
| Net operating income to assets | 0.9457% | 2,373 |
| Return on assets (ROA) | 0.9940% | 2,252 |
| Pretax return on assets | 1.5773% | 1,237 |
| Return on Equity (ROE) | 11.7952% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.7952% | 766 |
| Net charge-offs to loans | 0.6949% | 1,826 |
| Credit loss provision to net charge-offs | 69.5048% | 3,362 |
| Earnings coverage of net charge-offs (x) | 3.8814% | 2,612 |
| Efficiency ratio | 55.6139% | 6,543 |
| Assets per employee ($millions) | 9.4278% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 4,373 |
| Loan loss allowance to noncurrent loans | 67.5648% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.9775% | 3,345 |
| Noncurrent loans to loans | 2.1669% | 3,364 |
| Net loans and leases to total assets | 66.9194% | 2,780 |
| Net loans and leases to deposits | 78.2536% | 3,012 |
| Net loans and leases to core deposits | 110.0893% | 715 |
| Total domestic deposits to total assets | 85.5161% | 3,776 |
| Equity capital to assets | 8.3765% | 6,078 |
| Core capital (leverage) ratio | 8.6962% | 5,087 |
| Tier 1 risk-based capital ratio | 10.9573% | 6,537 |
| Total risk-based capital ratio | 13.7075% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,953,689,500 | 361 |
| Average earning assets | $1,801,374,000 | 351 |
| Average equity | $164,643,500 | 433 |
| Average total loans | $1,324,996,000 | 338 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 5,164 |
| Cost of funding earning assets | 0.8651% | 6,321 |
| Net interest margin | 4.0014% | 3,013 |
| Noninterest income to average assets | 0.3202% | 5,498 |
| Noninterest expense to average assets | 2.6861% | 5,051 |
| Loan and lease loss provision to assets | 0.3369% | 4,128 |
| Net operating income to assets | 0.6031% | 3,651 |
| Return on assets (ROA) | 0.6856% | 3,408 |
| Pretax return on assets | 1.1217% | 2,500 |
| Return on Equity (ROE) | 8.9500% | 2,314 |
| Retained earnings to average equity (ytd only) | 8.9500% | 718 |
| Net charge-offs to loans | 0.9698% | 2,237 |
| Credit loss provision to net charge-offs | 53.6012% | 6,204 |
| Earnings coverage of net charge-offs (x) | 2.1155% | 4,135 |
| Efficiency ratio | 65.8185% | 5,006 |
| Assets per employee ($millions) | 8.4541% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,730 |
| Loan loss allowance to noncurrent loans | 89.1235% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 3,608 |
| Noncurrent loans to loans | 1.7523% | 3,879 |
| Net loans and leases to total assets | 66.6665% | 3,312 |
| Net loans and leases to deposits | 76.8975% | 3,703 |
| Net loans and leases to core deposits | 107.0097% | 1,125 |
| Total domestic deposits to total assets | 86.6953% | 2,983 |
| Equity capital to assets | 8.4795% | 5,883 |
| Core capital (leverage) ratio | 8.3328% | 5,639 |
| Tier 1 risk-based capital ratio | 10.9189% | 6,393 |
| Total risk-based capital ratio | 13.7120% | 5,045 |
| Memoranda: | ||
| Average total assets | $1,873,094,200 | 374 |
| Average earning assets | $1,730,021,800 | 360 |
| Average equity | $143,486,400 | 481 |
| Average total loans | $1,214,058,600 | 370 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 6,415 |
| Cost of funding earning assets | 0.9348% | 6,252 |
| Net interest margin | 3.6358% | 4,697 |
| Noninterest income to average assets | 0.5088% | 4,107 |
| Noninterest expense to average assets | 2.4982% | 5,723 |
| Loan and lease loss provision to assets | 0.4546% | 3,201 |
| Net operating income to assets | 0.5702% | 4,003 |
| Return on assets (ROA) | 0.6829% | 3,655 |
| Pretax return on assets | 1.1337% | 2,720 |
| Return on Equity (ROE) | 10.2928% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.2928% | 730 |
| Net charge-offs to loans | 0.9297% | 2,134 |
| Credit loss provision to net charge-offs | 78.9501% | 5,170 |
| Earnings coverage of net charge-offs (x) | 2.4524% | 3,944 |
| Efficiency ratio | 63.8859% | 5,259 |
| Assets per employee ($millions) | 9.7450% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 2,921 |
| Loan loss allowance to noncurrent loans | 78.6111% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.9037% | 3,608 |
| Noncurrent loans to loans | 2.2441% | 3,398 |
| Net loans and leases to total assets | 62.3919% | 4,449 |
| Net loans and leases to deposits | 70.3725% | 5,094 |
| Net loans and leases to core deposits | 102.1928% | 1,635 |
| Total domestic deposits to total assets | 88.6594% | 1,590 |
| Equity capital to assets | 7.8676% | 6,889 |
| Core capital (leverage) ratio | 8.1639% | 6,091 |
| Tier 1 risk-based capital ratio | 11.2401% | 6,144 |
| Total risk-based capital ratio | 14.3367% | 4,485 |
| Memoranda: | ||
| Average total assets | $1,314,410,500 | 509 |
| Average earning assets | $1,229,753,500 | 488 |
| Average equity | $87,204,500 | 762 |
| Average total loans | $814,167,000 | 539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 6,715 |
| Cost of funding earning assets | 1.0249% | 6,031 |
| Net interest margin | 3.4742% | 5,346 |
| Noninterest income to average assets | 0.6216% | 3,182 |
| Noninterest expense to average assets | 2.5749% | 5,434 |
| Loan and lease loss provision to assets | 0.4721% | 2,955 |
| Net operating income to assets | 0.4762% | 4,433 |
| Return on assets (ROA) | 0.5447% | 4,264 |
| Pretax return on assets | 0.9219% | 3,411 |
| Return on Equity (ROE) | 8.8057% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.8057% | 1,172 |
| Net charge-offs to loans | 0.6978% | 2,472 |
| Credit loss provision to net charge-offs | 110.2508% | 3,689 |
| Earnings coverage of net charge-offs (x) | 3.0055% | 3,496 |
| Efficiency ratio | 66.6734% | 4,848 |
| Assets per employee ($millions) | 9.2641% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 2,063 |
| Loan loss allowance to noncurrent loans | 67.2505% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.2204% | 3,235 |
| Noncurrent loans to loans | 3.0554% | 2,635 |
| Net loans and leases to total assets | 60.2043% | 5,017 |
| Net loans and leases to deposits | 66.6037% | 5,735 |
| Net loans and leases to core deposits | 95.7658% | 2,468 |
| Total domestic deposits to total assets | 90.3919% | 724 |
| Equity capital to assets | 6.3786% | 7,487 |
| Core capital (leverage) ratio | 6.0884% | 7,469 |
| Tier 1 risk-based capital ratio | 9.3139% | 7,333 |
| Total risk-based capital ratio | 12.5357% | 5,940 |
| Memoranda: | ||
| Average total assets | $1,284,789,330 | 517 |
| Average earning assets | $1,198,332,670 | 502 |
| Average equity | $79,471,330 | 821 |
| Average total loans | $788,472,000 | 554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 7,000 |
| Cost of funding earning assets | 1.0888% | 5,963 |
| Net interest margin | 3.3067% | 5,948 |
| Noninterest income to average assets | 0.7116% | 2,521 |
| Noninterest expense to average assets | 2.7009% | 4,907 |
| Loan and lease loss provision to assets | 0.6525% | 1,945 |
| Net operating income to assets | 0.2257% | 5,596 |
| Return on assets (ROA) | 0.2686% | 5,547 |
| Pretax return on assets | 0.4946% | 4,977 |
| Return on Equity (ROE) | 4.4184% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.4184% | 3,501 |
| Net charge-offs to loans | 0.9171% | 1,748 |
| Credit loss provision to net charge-offs | 116.0388% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.9207% | 3,581 |
| Efficiency ratio | 71.4346% | 4,038 |
| Assets per employee ($millions) | 9.7833% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1972% | 1,760 |
| Loan loss allowance to noncurrent loans | 69.3424% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 3,237 |
| Noncurrent loans to loans | 3.1686% | 2,532 |
| Net loans and leases to total assets | 55.8956% | 5,756 |
| Net loans and leases to deposits | 61.8920% | 6,285 |
| Net loans and leases to core deposits | 90.6042% | 3,284 |
| Total domestic deposits to total assets | 90.3115% | 826 |
| Equity capital to assets | 5.8157% | 7,643 |
| Core capital (leverage) ratio | 6.2011% | 7,547 |
| Tier 1 risk-based capital ratio | 9.1101% | 7,456 |
| Total risk-based capital ratio | 12.4797% | 5,878 |
| Memoranda: | ||
| Average total assets | $1,246,270,000 | 552 |
| Average earning assets | $1,156,818,000 | 534 |
| Average equity | $75,774,000 | 873 |
| Average total loans | $764,168,500 | 591 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1929% | 5,681 |
| Cost of funding earning assets | 1.4316% | 5,797 |
| Net interest margin | 3.7614% | 3,867 |
| Noninterest income to average assets | 0.0536% | 7,490 |
| Noninterest expense to average assets | 2.8209% | 4,889 |
| Loan and lease loss provision to assets | 1.7674% | 1,288 |
| Net operating income to assets | -0.7277% | 6,389 |
| Return on assets (ROA) | -0.7038% | 6,364 |
| Pretax return on assets | -1.0855% | 6,467 |
| Return on Equity (ROE) | -9.8588% | 6,615 |
| Retained earnings to average equity (ytd only) | -9.8588% | 6,508 |
| Net charge-offs to loans | 1.8782% | 1,325 |
| Credit loss provision to net charge-offs | 130.7610% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.4774% | 5,632 |
| Efficiency ratio | 81.3845% | 2,684 |
| Assets per employee ($millions) | 8.6375% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 1,537 |
| Loan loss allowance to noncurrent loans | 78.2661% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.4181% | 2,876 |
| Noncurrent loans to loans | 2.8993% | 2,663 |
| Net loans and leases to total assets | 64.8903% | 4,389 |
| Net loans and leases to deposits | 74.0183% | 5,035 |
| Net loans and leases to core deposits | 125.7799% | 1,533 |
| Total domestic deposits to total assets | 87.6679% | 2,137 |
| Equity capital to assets | 6.4025% | 7,584 |
| Core capital (leverage) ratio | 6.2104% | 7,585 |
| Tier 1 risk-based capital ratio | 8.3845% | 7,603 |
| Total risk-based capital ratio | 11.8382% | 6,291 |
| Memoranda: | ||
| Average total assets | $973,122,000 | 688 |
| Average earning assets | $882,871,800 | 685 |
| Average equity | $69,470,800 | 941 |
| Average total loans | $700,285,200 | 664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3501% | 5,176 |
| Cost of funding earning assets | 1.4837% | 5,890 |
| Net interest margin | 3.8664% | 3,357 |
| Noninterest income to average assets | -0.0536% | 7,901 |
| Noninterest expense to average assets | 2.9454% | 4,251 |
| Loan and lease loss provision to assets | 1.8641% | 993 |
| Net operating income to assets | -0.8401% | 6,719 |
| Return on assets (ROA) | -0.8075% | 6,699 |
| Pretax return on assets | -1.3174% | 6,871 |
| Return on Equity (ROE) | -10.9718% | 6,956 |
| Retained earnings to average equity (ytd only) | -10.9718% | 6,883 |
| Net charge-offs to loans | 1.8179% | 1,112 |
| Credit loss provision to net charge-offs | 139.2591% | 3,542 |
| Earnings coverage of net charge-offs (x) | 0.3704% | 5,653 |
| Efficiency ratio | 85.5901% | 2,109 |
| Assets per employee ($millions) | 7.0682% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 1,249 |
| Loan loss allowance to noncurrent loans | 82.5071% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 2.7534% | 2,524 |
| Noncurrent loans to loans | 2.8365% | 2,676 |
| Net loans and leases to total assets | 67.4248% | 4,085 |
| Net loans and leases to deposits | 78.7584% | 4,608 |
| Net loans and leases to core deposits | 118.5180% | 2,372 |
| Total domestic deposits to total assets | 85.6097% | 2,912 |
| Equity capital to assets | 7.1785% | 7,503 |
| Core capital (leverage) ratio | 7.1488% | 7,304 |
| Tier 1 risk-based capital ratio | 9.0872% | 7,587 |
| Total risk-based capital ratio | 12.6516% | 5,478 |
| Memoranda: | ||
| Average total assets | $935,683,500 | 731 |
| Average earning assets | $845,769,500 | 730 |
| Average equity | $68,865,500 | 966 |
| Average total loans | $688,967,500 | 695 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 4,490 |
| Cost of funding earning assets | 1.5160% | 6,073 |
| Net interest margin | 4.0079% | 2,665 |
| Noninterest income to average assets | -0.3150% | 8,096 |
| Noninterest expense to average assets | 3.1680% | 3,435 |
| Loan and lease loss provision to assets | 1.8138% | 907 |
| Net operating income to assets | -1.0531% | 7,024 |
| Return on assets (ROA) | -1.0027% | 6,987 |
| Pretax return on assets | -1.6052% | 7,134 |
| Return on Equity (ROE) | -13.4984% | 7,252 |
| Retained earnings to average equity (ytd only) | -13.4984% | 7,153 |
| Net charge-offs to loans | 2.2479% | 800 |
| Credit loss provision to net charge-offs | 107.0628% | 4,310 |
| Earnings coverage of net charge-offs (x) | 0.0766% | 5,600 |
| Efficiency ratio | 96.0637% | 1,371 |
| Assets per employee ($millions) | 6.4292% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 1,676 |
| Loan loss allowance to noncurrent loans | 62.9010% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.5365% | 2,536 |
| Noncurrent loans to loans | 3.0983% | 2,310 |
| Net loans and leases to total assets | 69.9765% | 3,711 |
| Net loans and leases to deposits | 83.9325% | 3,890 |
| Net loans and leases to core deposits | 118.2438% | 2,528 |
| Total domestic deposits to total assets | 83.3723% | 4,079 |
| Equity capital to assets | 7.7296% | 7,041 |
| Core capital (leverage) ratio | 8.1788% | 6,015 |
| Tier 1 risk-based capital ratio | 9.7025% | 7,228 |
| Total risk-based capital ratio | 13.3306% | 4,769 |
| Memoranda: | ||
| Average total assets | $905,947,670 | 778 |
| Average earning assets | $816,644,000 | 781 |
| Average equity | $67,296,670 | 1,001 |
| Average total loans | $682,759,670 | 722 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5036% | 4,893 |
| Cost of funding earning assets | 1.5752% | 6,138 |
| Net interest margin | 3.9285% | 2,936 |
| Noninterest income to average assets | -0.4485% | 8,191 |
| Noninterest expense to average assets | 2.9916% | 3,805 |
| Loan and lease loss provision to assets | 2.5016% | 464 |
| Net operating income to assets | -1.6305% | 7,551 |
| Return on assets (ROA) | -1.8117% | 7,612 |
| Pretax return on assets | -2.6818% | 7,697 |
| Return on Equity (ROE) | -24.9458% | 7,843 |
| Retained earnings to average equity (ytd only) | -24.9458% | 7,768 |
| Net charge-offs to loans | 2.4741% | 571 |
| Credit loss provision to net charge-offs | 130.3614% | 3,079 |
| Earnings coverage of net charge-offs (x) | 0.0449% | 4,941 |
| Efficiency ratio | 97.1983% | 1,260 |
| Assets per employee ($millions) | 5.9086% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 1,282 |
| Loan loss allowance to noncurrent loans | 68.1518% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.6778% | 2,131 |
| Noncurrent loans to loans | 3.0439% | 2,143 |
| Net loans and leases to total assets | 75.3598% | 2,413 |
| Net loans and leases to deposits | 91.1149% | 2,755 |
| Net loans and leases to core deposits | 123.5067% | 2,112 |
| Total domestic deposits to total assets | 82.7086% | 4,284 |
| Equity capital to assets | 7.2728% | 7,512 |
| Core capital (leverage) ratio | 7.5992% | 7,028 |
| Tier 1 risk-based capital ratio | 8.3808% | 7,963 |
| Total risk-based capital ratio | 11.9820% | 6,064 |
| Memoranda: | ||
| Average total assets | $876,735,000 | 803 |
| Average earning assets | $786,969,500 | 810 |
| Average equity | $63,674,000 | 1,071 |
| Average total loans | $680,016,000 | 730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2405% | 4,297 |
| Cost of funding earning assets | 2.1647% | 5,760 |
| Net interest margin | 4.0758% | 2,806 |
| Noninterest income to average assets | 0.6893% | 3,189 |
| Noninterest expense to average assets | 3.0871% | 3,752 |
| Loan and lease loss provision to assets | 1.1498% | 1,269 |
| Net operating income to assets | 0.1383% | 6,007 |
| Return on assets (ROA) | -1.2465% | 7,306 |
| Pretax return on assets | -2.0698% | 7,457 |
| Return on Equity (ROE) | -18.0153% | 7,713 |
| Retained earnings to average equity (ytd only) | -18.0153% | 7,622 |
| Net charge-offs to loans | 0.5404% | 2,208 |
| Credit loss provision to net charge-offs | 282.0597% | 1,618 |
| Earnings coverage of net charge-offs (x) | 3.0510% | 4,560 |
| Efficiency ratio | 71.2821% | 4,068 |
| Assets per employee ($millions) | 5.7812% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 1,419 |
| Loan loss allowance to noncurrent loans | 81.2062% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.2989% | 2,115 |
| Noncurrent loans to loans | 2.3380% | 2,364 |
| Net loans and leases to total assets | 76.6974% | 2,450 |
| Net loans and leases to deposits | 97.8346% | 2,150 |
| Net loans and leases to core deposits | 125.8354% | 2,173 |
| Total domestic deposits to total assets | 78.3949% | 5,584 |
| Equity capital to assets | 7.2522% | 7,587 |
| Core capital (leverage) ratio | 7.3089% | 7,406 |
| Tier 1 risk-based capital ratio | 8.2262% | 8,044 |
| Total risk-based capital ratio | 11.8313% | 6,026 |
| Memoranda: | ||
| Average total assets | $821,818,000 | 829 |
| Average earning assets | $734,241,400 | 830 |
| Average equity | $56,862,800 | 1,180 |
| Average total loans | $619,937,600 | 770 |