Home > Amalgamated Bank > Performance and Condition Ratios
Amalgamated 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 | 4.7370% | 2,601 |
| Cost of funding earning assets | 1.2432% | 2,677 |
| Net interest margin | 3.4937% | 2,196 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.8962% | 3,844 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.2171% | 1,613 |
| Return on assets (ROA) | 1.1431% | 1,772 |
| Pretax return on assets | 1.6188% | 1,200 |
| Return on Equity (ROE) | 15.1200% | 1,265 |
| Retained earnings to average equity (ytd only) | 5.0592% | 2,590 |
| Net charge-offs to loans | 0.3285% | 330 |
| Credit loss provision to net charge-offs | 95.9450% | 1,890 |
| Earnings coverage of net charge-offs (x) | 10.6730% | 2,227 |
| Efficiency ratio | 49.6724% | 4,001 |
| Assets per employee ($millions) | 19.9156% | 97 |
| Cash dividends to net income (ytd only)* | 66.5410% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,089 |
| Loan loss allowance to noncurrent loans | 192.2363% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 1,301 |
| Noncurrent loans to loans | 0.7743% | 1,007 |
| Net loans and leases to total assets | 54.3000% | 3,329 |
| Net loans and leases to deposits | 61.3941% | 3,445 |
| Net loans and leases to core deposits | 64.4421% | 3,570 |
| Total domestic deposits to total assets | 88.4500% | 1,218 |
| Equity capital to assets | 7.7491% | 3,574 |
| Core capital (leverage) ratio | 8.5016% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9400% | 1,550 |
| Memoranda: | ||
| Average total assets | $7,888,508,600 | 192 |
| Average earning assets | $7,560,441,200 | 178 |
| Average equity | $596,335,800 | 234 |
| Average total loans | $4,271,417,800 | 226 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 2,592 |
| Cost of funding earning assets | 1.1690% | 2,531 |
| Net interest margin | 3.4696% | 2,275 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.9041% | 3,796 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.1979% | 1,805 |
| Return on assets (ROA) | 1.1302% | 1,945 |
| Pretax return on assets | 1.5497% | 1,465 |
| Return on Equity (ROE) | 15.0500% | 1,433 |
| Retained earnings to average equity (ytd only) | 7.1417% | 2,237 |
| Net charge-offs to loans | 0.2673% | 331 |
| Credit loss provision to net charge-offs | 118.3114% | 1,494 |
| Earnings coverage of net charge-offs (x) | 12.6370% | 2,060 |
| Efficiency ratio | 50.8178% | 3,849 |
| Assets per employee ($millions) | 19.8971% | 98 |
| Cash dividends to net income (ytd only)* | 52.5368% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 981 |
| Loan loss allowance to noncurrent loans | 185.7284% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 1,263 |
| Noncurrent loans to loans | 0.8361% | 989 |
| Net loans and leases to total assets | 54.2900% | 3,338 |
| Net loans and leases to deposits | 61.2745% | 3,440 |
| Net loans and leases to core deposits | 65.4217% | 3,457 |
| Total domestic deposits to total assets | 88.6000% | 1,379 |
| Equity capital to assets | 7.5931% | 3,297 |
| Core capital (leverage) ratio | 8.5767% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9775% | 1,573 |
| Memoranda: | ||
| Average total assets | $7,859,114,000 | 193 |
| Average earning assets | $7,534,293,000 | 179 |
| Average equity | $590,319,500 | 236 |
| Average total loans | $4,235,988,250 | 234 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 2,524 |
| Cost of funding earning assets | 1.0473% | 2,460 |
| Net interest margin | 3.5035% | 2,257 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.9211% | 3,773 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.1887% | 1,858 |
| Return on assets (ROA) | 1.1212% | 2,057 |
| Pretax return on assets | 1.5227% | 1,550 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 9.8677% | 1,442 |
| Net charge-offs to loans | 0.2651% | 316 |
| Credit loss provision to net charge-offs | 121.0725% | 1,329 |
| Earnings coverage of net charge-offs (x) | 12.9449% | 1,919 |
| Efficiency ratio | 50.8402% | 3,857 |
| Assets per employee ($millions) | 19.5691% | 99 |
| Cash dividends to net income (ytd only)* | 34.1336% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 961 |
| Loan loss allowance to noncurrent loans | 191.4022% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 1,187 |
| Noncurrent loans to loans | 0.8280% | 928 |
| Net loans and leases to total assets | 53.6300% | 3,292 |
| Net loans and leases to deposits | 60.5727% | 3,386 |
| Net loans and leases to core deposits | 65.5022% | 3,377 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 7.6526% | 3,431 |
| Core capital (leverage) ratio | 8.6518% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1696% | 1,519 |
| Memoranda: | ||
| Average total assets | $7,839,139,333 | 185 |
| Average earning assets | $7,510,006,000 | 175 |
| Average equity | $586,659,333 | 233 |
| Average total loans | $4,192,339,667 | 227 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 2,281 |
| Cost of funding earning assets | 0.9046% | 2,355 |
| Net interest margin | 3.6118% | 2,101 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.9464% | 3,756 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.2204% | 1,883 |
| Return on assets (ROA) | 1.0963% | 2,206 |
| Pretax return on assets | 1.4851% | 1,705 |
| Return on Equity (ROE) | 14.8100% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.4919% | 3,131 |
| Net charge-offs to loans | 0.2450% | 309 |
| Credit loss provision to net charge-offs | 141.7026% | 973 |
| Earnings coverage of net charge-offs (x) | 14.5963% | 1,567 |
| Efficiency ratio | 50.3779% | 3,905 |
| Assets per employee ($millions) | 19.8295% | 95 |
| Cash dividends to net income (ytd only)* | 69.6799% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,002 |
| Loan loss allowance to noncurrent loans | 182.4076% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 1,047 |
| Noncurrent loans to loans | 0.8778% | 863 |
| Net loans and leases to total assets | 52.6900% | 3,300 |
| Net loans and leases to deposits | 58.5400% | 3,419 |
| Net loans and leases to core deposits | 64.4048% | 3,322 |
| Total domestic deposits to total assets | 90.0000% | 1,155 |
| Equity capital to assets | 7.4091% | 3,614 |
| Core capital (leverage) ratio | 8.2903% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8403% | 1,669 |
| Memoranda: | ||
| Average total assets | $7,854,670,000 | 191 |
| Average earning assets | $7,523,265,000 | 182 |
| Average equity | $581,229,500 | 238 |
| Average total loans | $4,161,087,500 | 234 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 3,044 |
| Cost of funding earning assets | 0.2165% | 3,622 |
| Net interest margin | 3.2958% | 2,572 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.8204% | 3,989 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.1352% | 2,030 |
| Return on assets (ROA) | 1.0980% | 2,118 |
| Pretax return on assets | 1.4455% | 1,631 |
| Return on Equity (ROE) | 14.7000% | 1,341 |
| Retained earnings to average equity (ytd only) | 14.6959% | 319 |
| Net charge-offs to loans | 0.1581% | 523 |
| Credit loss provision to net charge-offs | 257.0156% | 988 |
| Earnings coverage of net charge-offs (x) | 22.2087% | 1,844 |
| Efficiency ratio | 51.4989% | 4,031 |
| Assets per employee ($millions) | 20.4074% | 91 |
| Cash dividends to net income (ytd only)* | 0.0261% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 2,928 |
| Loan loss allowance to noncurrent loans | 157.3795% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 1,406 |
| Noncurrent loans to loans | 0.6949% | 1,078 |
| Net loans and leases to total assets | 51.8400% | 3,371 |
| Net loans and leases to deposits | 61.6180% | 3,226 |
| Net loans and leases to core deposits | 63.5582% | 3,289 |
| Total domestic deposits to total assets | 84.1200% | 3,181 |
| Equity capital to assets | 7.3905% | 3,448 |
| Core capital (leverage) ratio | 8.4370% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7476% | 1,712 |
| Memoranda: | ||
| Average total assets | $7,679,666,200 | 195 |
| Average earning assets | $7,363,111,000 | 183 |
| Average equity | $573,630,000 | 247 |
| Average total loans | $3,692,195,000 | 242 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2766% | 3,243 |
| Cost of funding earning assets | 0.0980% | 4,299 |
| Net interest margin | 3.1786% | 2,688 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.8226% | 3,939 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.0575% | 2,263 |
| Return on assets (ROA) | 1.0265% | 2,352 |
| Pretax return on assets | 1.3735% | 1,799 |
| Return on Equity (ROE) | 13.7000% | 1,508 |
| Retained earnings to average equity (ytd only) | 13.7048% | 508 |
| Net charge-offs to loans | 0.1603% | 405 |
| Credit loss provision to net charge-offs | 245.0835% | 905 |
| Earnings coverage of net charge-offs (x) | 21.2134% | 1,692 |
| Efficiency ratio | 52.8938% | 3,925 |
| Assets per employee ($millions) | 21.2475% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,095 |
| Loan loss allowance to noncurrent loans | 164.0329% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 1,637 |
| Noncurrent loans to loans | 0.6596% | 1,235 |
| Net loans and leases to total assets | 48.8500% | 3,544 |
| Net loans and leases to deposits | 53.5934% | 3,626 |
| Net loans and leases to core deposits | 54.0864% | 3,738 |
| Total domestic deposits to total assets | 91.1600% | 1,171 |
| Equity capital to assets | 6.9897% | 3,528 |
| Core capital (leverage) ratio | 7.9543% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1306% | 2,002 |
| Memoranda: | ||
| Average total assets | $7,635,365,750 | 193 |
| Average earning assets | $7,326,240,750 | 184 |
| Average equity | $571,871,500 | 252 |
| Average total loans | $3,585,828,250 | 245 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0127% | 3,528 |
| Cost of funding earning assets | 0.0793% | 4,387 |
| Net interest margin | 2.9333% | 3,077 |
| Noninterest income to average assets | 0.3974% | 2,775 |
| Noninterest expense to average assets | 1.8079% | 3,930 |
| Loan and lease loss provision to assets | 0.1378% | 697 |
| Net operating income to assets | 0.9522% | 2,352 |
| Return on assets (ROA) | 0.9434% | 2,360 |
| Pretax return on assets | 1.2561% | 1,883 |
| Return on Equity (ROE) | 12.3103% | 1,578 |
| Retained earnings to average equity (ytd only) | 12.3103% | 558 |
| Net charge-offs to loans | 0.0915% | 618 |
| Credit loss provision to net charge-offs | 326.5370% | 772 |
| Earnings coverage of net charge-offs (x) | 33.2861% | 1,349 |
| Efficiency ratio | 55.8393% | 3,794 |
| Assets per employee ($millions) | 21.9839% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,239 |
| Loan loss allowance to noncurrent loans | 135.0195% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 1,504 |
| Noncurrent loans to loans | 0.7994% | 1,073 |
| Net loans and leases to total assets | 45.4630% | 3,742 |
| Net loans and leases to deposits | 49.4450% | 3,836 |
| Net loans and leases to core deposits | 49.8798% | 3,939 |
| Total domestic deposits to total assets | 91.9467% | 854 |
| Equity capital to assets | 7.0045% | 3,765 |
| Core capital (leverage) ratio | 7.8408% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8908% | 2,104 |
| Memoranda: | ||
| Average total assets | $7,552,885,000 | 193 |
| Average earning assets | $7,249,466,667 | 186 |
| Average equity | $578,834,000 | 247 |
| Average total loans | $3,483,396,667 | 249 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8732% | 3,600 |
| Cost of funding earning assets | 0.0795% | 4,363 |
| Net interest margin | 2.7937% | 3,160 |
| Noninterest income to average assets | 0.3940% | 2,727 |
| Noninterest expense to average assets | 1.8592% | 3,782 |
| Loan and lease loss provision to assets | 0.1251% | 663 |
| Net operating income to assets | 0.8210% | 2,592 |
| Return on assets (ROA) | 0.8281% | 2,558 |
| Pretax return on assets | 1.0974% | 2,155 |
| Return on Equity (ROE) | 10.2983% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.2983% | 952 |
| Net charge-offs to loans | 0.0727% | 631 |
| Credit loss provision to net charge-offs | 371.6370% | 604 |
| Earnings coverage of net charge-offs (x) | 36.0470% | 1,049 |
| Efficiency ratio | 60.0423% | 3,480 |
| Assets per employee ($millions) | 21.7171% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,418 |
| Loan loss allowance to noncurrent loans | 102.7141% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 1,252 |
| Noncurrent loans to loans | 1.0516% | 860 |
| Net loans and leases to total assets | 45.1043% | 3,646 |
| Net loans and leases to deposits | 49.2982% | 3,789 |
| Net loans and leases to core deposits | 49.7565% | 3,890 |
| Total domestic deposits to total assets | 91.4928% | 806 |
| Equity capital to assets | 7.5301% | 3,911 |
| Core capital (leverage) ratio | 8.0267% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3294% | 2,065 |
| Memoranda: | ||
| Average total assets | $7,331,445,500 | 202 |
| Average earning assets | $7,029,591,000 | 191 |
| Average equity | $589,535,500 | 246 |
| Average total loans | $3,396,342,000 | 254 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8760% | 4,094 |
| Cost of funding earning assets | 0.0925% | 4,441 |
| Net interest margin | 2.7835% | 3,702 |
| Noninterest income to average assets | 0.4205% | 2,942 |
| Noninterest expense to average assets | 2.0116% | 3,645 |
| Loan and lease loss provision to assets | -0.0044% | 4,148 |
| Net operating income to assets | 0.8066% | 3,316 |
| Return on assets (ROA) | 0.8144% | 3,358 |
| Pretax return on assets | 1.0853% | 3,018 |
| Return on Equity (ROE) | 9.6133% | 2,670 |
| Retained earnings to average equity (ytd only) | 7.7974% | 1,618 |
| Net charge-offs to loans | 0.1656% | 582 |
| Credit loss provision to net charge-offs | -5.2796% | 3,156 |
| Earnings coverage of net charge-offs (x) | 12.9380% | 2,095 |
| Efficiency ratio | 64.6616% | 2,452 |
| Assets per employee ($millions) | 20.0576% | 100 |
| Cash dividends to net income (ytd only)* | 18.8894% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,432 |
| Loan loss allowance to noncurrent loans | 127.0988% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 1,611 |
| Noncurrent loans to loans | 0.8507% | 1,194 |
| Net loans and leases to total assets | 46.6054% | 3,646 |
| Net loans and leases to deposits | 51.5971% | 3,760 |
| Net loans and leases to core deposits | 52.0713% | 3,891 |
| Total domestic deposits to total assets | 90.3256% | 798 |
| Equity capital to assets | 8.5946% | 3,995 |
| Core capital (leverage) ratio | 8.2119% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8903% | 1,892 |
| Memoranda: | ||
| Average total assets | $6,567,265,400 | 217 |
| Average earning assets | $6,280,690,600 | 207 |
| Average equity | $556,364,000 | 254 |
| Average total loans | $3,282,577,600 | 254 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8489% | 4,237 |
| Cost of funding earning assets | 0.0953% | 4,534 |
| Net interest margin | 2.7536% | 3,877 |
| Noninterest income to average assets | 0.3139% | 3,544 |
| Noninterest expense to average assets | 2.0095% | 3,644 |
| Loan and lease loss provision to assets | -0.0797% | 4,551 |
| Net operating income to assets | 0.7533% | 3,646 |
| Return on assets (ROA) | 0.7658% | 3,671 |
| Pretax return on assets | 1.0318% | 3,371 |
| Return on Equity (ROE) | 9.0748% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.8046% | 2,491 |
| Net charge-offs to loans | 0.0762% | 901 |
| Credit loss provision to net charge-offs | -206.0396% | 3,399 |
| Earnings coverage of net charge-offs (x) | 24.2084% | 1,645 |
| Efficiency ratio | 67.5774% | 1,889 |
| Assets per employee ($millions) | 19.3419% | 114 |
| Cash dividends to net income (ytd only)* | 25.0169% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,226 |
| Loan loss allowance to noncurrent loans | 78.8302% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 1,123 |
| Noncurrent loans to loans | 1.4525% | 729 |
| Net loans and leases to total assets | 45.0930% | 3,863 |
| Net loans and leases to deposits | 49.7209% | 4,018 |
| Net loans and leases to core deposits | 50.1809% | 4,123 |
| Total domestic deposits to total assets | 90.6923% | 470 |
| Equity capital to assets | 8.0767% | 4,479 |
| Core capital (leverage) ratio | 7.8282% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9430% | 1,992 |
| Memoranda: | ||
| Average total assets | $6,449,030,750 | 218 |
| Average earning assets | $6,164,341,250 | 209 |
| Average equity | $544,186,500 | 259 |
| Average total loans | $3,273,977,000 | 255 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8852% | 4,241 |
| Cost of funding earning assets | 0.0995% | 4,588 |
| Net interest margin | 2.7857% | 3,814 |
| Noninterest income to average assets | 0.2832% | 3,729 |
| Noninterest expense to average assets | 2.0340% | 3,594 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 0.7084% | 3,740 |
| Return on assets (ROA) | 0.7168% | 3,783 |
| Pretax return on assets | 0.9690% | 3,503 |
| Return on Equity (ROE) | 8.3651% | 3,292 |
| Retained earnings to average equity (ytd only) | 5.8692% | 2,856 |
| Net charge-offs to loans | 0.1203% | 647 |
| Credit loss provision to net charge-offs | -79.0290% | 3,028 |
| Earnings coverage of net charge-offs (x) | 14.3408% | 1,667 |
| Efficiency ratio | 68.4816% | 1,822 |
| Assets per employee ($millions) | 18.4841% | 122 |
| Cash dividends to net income (ytd only)* | 29.8373% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,978 |
| Loan loss allowance to noncurrent loans | 73.1971% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 1,018 |
| Noncurrent loans to loans | 1.6296% | 667 |
| Net loans and leases to total assets | 47.9838% | 3,727 |
| Net loans and leases to deposits | 53.2504% | 3,907 |
| Net loans and leases to core deposits | 53.7615% | 4,036 |
| Total domestic deposits to total assets | 90.1099% | 718 |
| Equity capital to assets | 8.3268% | 4,340 |
| Core capital (leverage) ratio | 7.9080% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9807% | 1,983 |
| Memoranda: | ||
| Average total assets | $6,309,912,667 | 222 |
| Average earning assets | $6,022,778,667 | 213 |
| Average equity | $540,722,667 | 258 |
| Average total loans | $3,321,262,000 | 253 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 4,187 |
| Cost of funding earning assets | 0.1065% | 4,617 |
| Net interest margin | 2.8421% | 3,660 |
| Noninterest income to average assets | 0.2551% | 3,870 |
| Noninterest expense to average assets | 2.1212% | 3,355 |
| Loan and lease loss provision to assets | -0.2109% | 4,819 |
| Net operating income to assets | 0.7875% | 3,462 |
| Return on assets (ROA) | 0.7884% | 3,530 |
| Pretax return on assets | 1.0551% | 3,224 |
| Return on Equity (ROE) | 9.0643% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.1941% | 2,510 |
| Net charge-offs to loans | 0.1967% | 413 |
| Credit loss provision to net charge-offs | -195.7383% | 2,956 |
| Earnings coverage of net charge-offs (x) | 7.8229% | 1,601 |
| Efficiency ratio | 70.9008% | 1,611 |
| Assets per employee ($millions) | 17.4141% | 138 |
| Cash dividends to net income (ytd only)* | 20.6334% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,345 |
| Loan loss allowance to noncurrent loans | 60.7731% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 837 |
| Noncurrent loans to loans | 1.8409% | 619 |
| Net loans and leases to total assets | 50.7028% | 3,562 |
| Net loans and leases to deposits | 56.6120% | 3,748 |
| Net loans and leases to core deposits | 57.1236% | 3,899 |
| Total domestic deposits to total assets | 89.5620% | 1,044 |
| Equity capital to assets | 8.4508% | 4,153 |
| Core capital (leverage) ratio | 8.0649% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7391% | 1,987 |
| Memoranda: | ||
| Average total assets | $6,183,937,500 | 226 |
| Average earning assets | $5,894,507,000 | 216 |
| Average equity | $537,888,500 | 254 |
| Average total loans | $3,388,570,000 | 249 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 4,311 |
| Cost of funding earning assets | 0.1816% | 4,639 |
| Net interest margin | 3.1320% | 3,543 |
| Noninterest income to average assets | 0.6451% | 2,047 |
| Noninterest expense to average assets | 2.2192% | 3,626 |
| Loan and lease loss provision to assets | 0.4109% | 743 |
| Net operating income to assets | 0.7446% | 3,279 |
| Return on assets (ROA) | 0.7656% | 3,339 |
| Pretax return on assets | 1.0267% | 2,953 |
| Return on Equity (ROE) | 9.1455% | 2,341 |
| Retained earnings to average equity (ytd only) | 7.1451% | 1,343 |
| Net charge-offs to loans | 0.4772% | 343 |
| Credit loss provision to net charge-offs | 145.4103% | 2,455 |
| Earnings coverage of net charge-offs (x) | 4.9933% | 2,915 |
| Efficiency ratio | 60.5052% | 3,382 |
| Assets per employee ($millions) | 17.2245% | 129 |
| Cash dividends to net income (ytd only)* | 21.8736% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,007 |
| Loan loss allowance to noncurrent loans | 66.7260% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 891 |
| Noncurrent loans to loans | 1.7808% | 706 |
| Net loans and leases to total assets | 57.8642% | 3,099 |
| Net loans and leases to deposits | 64.7156% | 3,386 |
| Net loans and leases to core deposits | 65.2596% | 3,606 |
| Total domestic deposits to total assets | 89.4130% | 805 |
| Equity capital to assets | 8.9626% | 4,086 |
| Core capital (leverage) ratio | 7.9693% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2488% | 2,144 |
| Memoranda: | ||
| Average total assets | $6,033,118,800 | 217 |
| Average earning assets | $5,750,189,400 | 209 |
| Average equity | $505,033,000 | 256 |
| Average total loans | $3,572,378,400 | 239 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3068% | 4,463 |
| Cost of funding earning assets | 0.1997% | 4,677 |
| Net interest margin | 3.1072% | 3,720 |
| Noninterest income to average assets | 0.6372% | 2,035 |
| Noninterest expense to average assets | 2.2316% | 3,603 |
| Loan and lease loss provision to assets | 0.4454% | 735 |
| Net operating income to assets | 0.6864% | 3,501 |
| Return on assets (ROA) | 0.7143% | 3,516 |
| Pretax return on assets | 0.9593% | 3,202 |
| Return on Equity (ROE) | 8.6852% | 2,528 |
| Retained earnings to average equity (ytd only) | 6.6546% | 1,831 |
| Net charge-offs to loans | 0.2220% | 689 |
| Credit loss provision to net charge-offs | 337.9956% | 1,644 |
| Earnings coverage of net charge-offs (x) | 10.3908% | 2,360 |
| Efficiency ratio | 61.3445% | 3,174 |
| Assets per employee ($millions) | 18.9321% | 98 |
| Cash dividends to net income (ytd only)* | 23.3804% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,069 |
| Loan loss allowance to noncurrent loans | 79.6646% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 1,246 |
| Noncurrent loans to loans | 1.6617% | 833 |
| Net loans and leases to total assets | 54.0781% | 3,798 |
| Net loans and leases to deposits | 59.4899% | 4,092 |
| Net loans and leases to core deposits | 59.9248% | 4,207 |
| Total domestic deposits to total assets | 90.9029% | 193 |
| Equity capital to assets | 7.8833% | 4,750 |
| Core capital (leverage) ratio | 7.3902% | 4,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0073% | 2,197 |
| Memoranda: | ||
| Average total assets | $6,047,171,250 | 212 |
| Average earning assets | $5,768,083,500 | 205 |
| Average equity | $497,369,250 | 259 |
| Average total loans | $3,590,453,250 | 235 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 4,495 |
| Cost of funding earning assets | 0.2372% | 4,659 |
| Net interest margin | 3.2033% | 3,661 |
| Noninterest income to average assets | 0.5727% | 2,243 |
| Noninterest expense to average assets | 2.1639% | 3,891 |
| Loan and lease loss provision to assets | 0.5742% | 570 |
| Net operating income to assets | 0.6540% | 3,569 |
| Return on assets (ROA) | 0.6805% | 3,567 |
| Pretax return on assets | 0.9145% | 3,271 |
| Return on Equity (ROE) | 8.1462% | 2,686 |
| Retained earnings to average equity (ytd only) | 6.0768% | 2,046 |
| Net charge-offs to loans | 0.0361% | 2,014 |
| Credit loss provision to net charge-offs | 2,605.8915% | 395 |
| Earnings coverage of net charge-offs (x) | 66.0357% | 911 |
| Efficiency ratio | 59.1455% | 3,535 |
| Assets per employee ($millions) | 18.0531% | 99 |
| Cash dividends to net income (ytd only)* | 25.4029% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,763 |
| Loan loss allowance to noncurrent loans | 109.4862% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 1,726 |
| Noncurrent loans to loans | 1.2357% | 1,261 |
| Net loans and leases to total assets | 56.2615% | 3,664 |
| Net loans and leases to deposits | 61.9830% | 4,005 |
| Net loans and leases to core deposits | 62.7501% | 4,141 |
| Total domestic deposits to total assets | 90.7692% | 205 |
| Equity capital to assets | 7.7698% | 4,813 |
| Core capital (leverage) ratio | 7.6858% | 4,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5732% | 2,369 |
| Memoranda: | ||
| Average total assets | $5,854,152,000 | 217 |
| Average earning assets | $5,567,219,333 | 208 |
| Average equity | $489,037,667 | 262 |
| Average total loans | $3,576,801,667 | 237 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 4,374 |
| Cost of funding earning assets | 0.3000% | 4,661 |
| Net interest margin | 3.4111% | 3,264 |
| Noninterest income to average assets | 0.6209% | 1,944 |
| Noninterest expense to average assets | 2.3297% | 3,698 |
| Loan and lease loss provision to assets | 0.6200% | 441 |
| Net operating income to assets | 0.6606% | 3,407 |
| Return on assets (ROA) | 0.6891% | 3,377 |
| Pretax return on assets | 0.9348% | 3,039 |
| Return on Equity (ROE) | 7.9249% | 2,549 |
| Retained earnings to average equity (ytd only) | 5.8351% | 1,944 |
| Net charge-offs to loans | 0.0099% | 2,219 |
| Credit loss provision to net charge-offs | 9,871.2644% | 79 |
| Earnings coverage of net charge-offs (x) | 241.8161% | 290 |
| Efficiency ratio | 59.8934% | 3,752 |
| Assets per employee ($millions) | 15.6001% | 118 |
| Cash dividends to net income (ytd only)* | 26.3698% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,726 |
| Loan loss allowance to noncurrent loans | 111.9488% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 1,984 |
| Noncurrent loans to loans | 1.0629% | 1,562 |
| Net loans and leases to total assets | 61.0925% | 3,389 |
| Net loans and leases to deposits | 69.2161% | 3,647 |
| Net loans and leases to core deposits | 70.2080% | 3,870 |
| Total domestic deposits to total assets | 88.2635% | 993 |
| Equity capital to assets | 8.2192% | 4,926 |
| Core capital (leverage) ratio | 8.4683% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9570% | 2,302 |
| Memoranda: | ||
| Average total assets | $5,540,697,500 | 220 |
| Average earning assets | $5,242,619,500 | 214 |
| Average equity | $481,772,500 | 266 |
| Average total loans | $3,517,027,000 | 236 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 4,376 |
| Cost of funding earning assets | 0.4074% | 4,420 |
| Net interest margin | 3.5239% | 3,365 |
| Noninterest income to average assets | 0.5821% | 2,306 |
| Noninterest expense to average assets | 2.5625% | 3,281 |
| Loan and lease loss provision to assets | 0.0769% | 2,452 |
| Net operating income to assets | 0.9449% | 3,039 |
| Return on assets (ROA) | 0.9462% | 3,114 |
| Pretax return on assets | 1.2865% | 2,551 |
| Return on Equity (ROE) | 10.0602% | 2,271 |
| Retained earnings to average equity (ytd only) | 8.2910% | 890 |
| Net charge-offs to loans | 0.2132% | 962 |
| Credit loss provision to net charge-offs | 53.4029% | 3,099 |
| Earnings coverage of net charge-offs (x) | 9.4537% | 2,660 |
| Efficiency ratio | 64.5986% | 2,988 |
| Assets per employee ($millions) | 13.8670% | 149 |
| Cash dividends to net income (ytd only)* | 17.5861% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,630 |
| Loan loss allowance to noncurrent loans | 107.5977% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 2,074 |
| Noncurrent loans to loans | 0.9053% | 1,695 |
| Net loans and leases to total assets | 64.6222% | 3,118 |
| Net loans and leases to deposits | 74.1243% | 3,344 |
| Net loans and leases to core deposits | 75.2816% | 3,623 |
| Total domestic deposits to total assets | 87.1809% | 1,527 |
| Equity capital to assets | 9.2097% | 4,561 |
| Core capital (leverage) ratio | 8.8975% | 4,600 |
| Tier 1 risk-based capital ratio | 13.0068% | 3,788 |
| Total risk-based capital ratio | 14.0105% | 3,807 |
| Memoranda: | ||
| Average total assets | $4,988,363,600 | 226 |
| Average earning assets | $4,730,970,200 | 218 |
| Average equity | $469,196,000 | 259 |
| Average total loans | $3,369,762,400 | 234 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 4,383 |
| Cost of funding earning assets | 0.4186% | 4,436 |
| Net interest margin | 3.5718% | 3,324 |
| Noninterest income to average assets | 0.5846% | 2,285 |
| Noninterest expense to average assets | 2.5647% | 3,261 |
| Loan and lease loss provision to assets | 0.1021% | 1,880 |
| Net operating income to assets | 0.9597% | 3,127 |
| Return on assets (ROA) | 0.9568% | 3,218 |
| Pretax return on assets | 1.2974% | 2,681 |
| Return on Equity (ROE) | 10.1153% | 2,381 |
| Retained earnings to average equity (ytd only) | 8.4653% | 1,218 |
| Net charge-offs to loans | 0.2892% | 608 |
| Credit loss provision to net charge-offs | 51.7717% | 2,775 |
| Earnings coverage of net charge-offs (x) | 7.1157% | 2,772 |
| Efficiency ratio | 63.9312% | 3,016 |
| Assets per employee ($millions) | 13.2393% | 160 |
| Cash dividends to net income (ytd only)* | 16.3124% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,770 |
| Loan loss allowance to noncurrent loans | 183.0861% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 2,992 |
| Noncurrent loans to loans | 0.5257% | 2,714 |
| Net loans and leases to total assets | 68.9209% | 2,638 |
| Net loans and leases to deposits | 80.1429% | 2,882 |
| Net loans and leases to core deposits | 81.6691% | 3,270 |
| Total domestic deposits to total assets | 85.9975% | 2,000 |
| Equity capital to assets | 9.6638% | 4,324 |
| Core capital (leverage) ratio | 9.0275% | 4,618 |
| Tier 1 risk-based capital ratio | 13.4921% | 3,576 |
| Total risk-based capital ratio | 14.5510% | 3,585 |
| Memoranda: | ||
| Average total assets | $4,904,218,250 | 231 |
| Average earning assets | $4,645,334,250 | 224 |
| Average equity | $463,892,500 | 261 |
| Average total loans | $3,343,466,750 | 240 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 4,350 |
| Cost of funding earning assets | 0.4197% | 4,433 |
| Net interest margin | 3.5936% | 3,276 |
| Noninterest income to average assets | 0.5679% | 2,298 |
| Noninterest expense to average assets | 2.5689% | 3,277 |
| Loan and lease loss provision to assets | 0.1774% | 1,010 |
| Net operating income to assets | 0.9077% | 3,250 |
| Return on assets (ROA) | 0.9049% | 3,324 |
| Pretax return on assets | 1.2190% | 2,843 |
| Return on Equity (ROE) | 9.6389% | 2,565 |
| Retained earnings to average equity (ytd only) | 7.9660% | 1,415 |
| Net charge-offs to loans | 0.4787% | 333 |
| Credit loss provision to net charge-offs | 54.7417% | 2,435 |
| Earnings coverage of net charge-offs (x) | 4.3200% | 2,748 |
| Efficiency ratio | 64.0170% | 3,129 |
| Assets per employee ($millions) | 12.5488% | 178 |
| Cash dividends to net income (ytd only)* | 17.3553% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,556 |
| Loan loss allowance to noncurrent loans | 111.9023% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 2,174 |
| Noncurrent loans to loans | 0.9038% | 1,808 |
| Net loans and leases to total assets | 66.2352% | 3,076 |
| Net loans and leases to deposits | 79.3346% | 3,018 |
| Net loans and leases to core deposits | 81.6465% | 3,291 |
| Total domestic deposits to total assets | 83.4884% | 3,054 |
| Equity capital to assets | 9.5549% | 4,352 |
| Core capital (leverage) ratio | 9.0385% | 4,599 |
| Tier 1 risk-based capital ratio | 13.5742% | 3,537 |
| Total risk-based capital ratio | 14.6677% | 3,524 |
| Memoranda: | ||
| Average total assets | $4,861,977,330 | 234 |
| Average earning assets | $4,601,126,330 | 226 |
| Average equity | $456,464,000 | 265 |
| Average total loans | $3,290,933,330 | 241 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 4,324 |
| Cost of funding earning assets | 0.4386% | 4,336 |
| Net interest margin | 3.5840% | 3,309 |
| Noninterest income to average assets | 0.5907% | 2,093 |
| Noninterest expense to average assets | 2.6161% | 3,167 |
| Loan and lease loss provision to assets | 0.1819% | 904 |
| Net operating income to assets | 0.8803% | 3,308 |
| Return on assets (ROA) | 0.8995% | 3,291 |
| Pretax return on assets | 1.2109% | 2,765 |
| Return on Equity (ROE) | 9.6698% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.9653% | 1,679 |
| Net charge-offs to loans | 0.9761% | 145 |
| Credit loss provision to net charge-offs | 27.3626% | 2,099 |
| Earnings coverage of net charge-offs (x) | 2.0590% | 2,535 |
| Efficiency ratio | 65.6576% | 2,985 |
| Assets per employee ($millions) | 12.5397% | 178 |
| Cash dividends to net income (ytd only)* | 17.6269% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 3,955 |
| Loan loss allowance to noncurrent loans | 142.9313% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 2,743 |
| Noncurrent loans to loans | 0.6657% | 2,353 |
| Net loans and leases to total assets | 66.3102% | 3,007 |
| Net loans and leases to deposits | 79.3154% | 2,917 |
| Net loans and leases to core deposits | 88.2388% | 2,658 |
| Total domestic deposits to total assets | 83.6031% | 3,182 |
| Equity capital to assets | 9.2398% | 4,492 |
| Core capital (leverage) ratio | 8.9042% | 4,717 |
| Tier 1 risk-based capital ratio | 13.3121% | 3,712 |
| Total risk-based capital ratio | 14.3274% | 3,749 |
| Memoranda: | ||
| Average total assets | $4,808,313,000 | 238 |
| Average earning assets | $4,553,120,500 | 227 |
| Average equity | $447,291,000 | 269 |
| Average total loans | $3,273,870,500 | 243 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 4,278 |
| Cost of funding earning assets | 0.3374% | 4,364 |
| Net interest margin | 3.5618% | 3,507 |
| Noninterest income to average assets | 0.6432% | 2,071 |
| Noninterest expense to average assets | 2.8891% | 2,395 |
| Loan and lease loss provision to assets | -0.0059% | 5,091 |
| Net operating income to assets | 0.8399% | 3,649 |
| Return on assets (ROA) | 0.8356% | 3,669 |
| Pretax return on assets | 1.1358% | 3,151 |
| Return on Equity (ROE) | 9.4974% | 2,747 |
| Retained earnings to average equity (ytd only) | 9.0028% | 863 |
| Net charge-offs to loans | -0.0485% | 4,964 |
| Credit loss provision to net charge-offs | 17.4497% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7892% | 1,933 |
| Assets per employee ($millions) | 11.7316% | 216 |
| Cash dividends to net income (ytd only)* | 5.2077% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 2,857 |
| Loan loss allowance to noncurrent loans | 155.8820% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 2,473 |
| Noncurrent loans to loans | 0.7345% | 2,154 |
| Net loans and leases to total assets | 68.6044% | 2,789 |
| Net loans and leases to deposits | 78.1934% | 3,142 |
| Net loans and leases to core deposits | 84.5022% | 3,032 |
| Total domestic deposits to total assets | 87.7369% | 1,424 |
| Equity capital to assets | 9.2205% | 4,392 |
| Core capital (leverage) ratio | 8.8623% | 4,759 |
| Tier 1 risk-based capital ratio | 13.2202% | 3,711 |
| Total risk-based capital ratio | 14.4558% | 3,607 |
| Memoranda: | ||
| Average total assets | $4,430,533,000 | 244 |
| Average earning assets | $4,205,824,200 | 238 |
| Average equity | $389,812,400 | 287 |
| Average total loans | $3,073,560,200 | 251 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 4,325 |
| Cost of funding earning assets | 0.3201% | 4,380 |
| Net interest margin | 3.5271% | 3,609 |
| Noninterest income to average assets | 0.6362% | 2,137 |
| Noninterest expense to average assets | 2.8382% | 2,503 |
| Loan and lease loss provision to assets | -0.0343% | 5,267 |
| Net operating income to assets | 0.8778% | 3,633 |
| Return on assets (ROA) | 0.8751% | 3,644 |
| Pretax return on assets | 1.1736% | 3,103 |
| Return on Equity (ROE) | 10.0763% | 2,583 |
| Retained earnings to average equity (ytd only) | 10.0763% | 898 |
| Net charge-offs to loans | -0.0692% | 5,051 |
| Credit loss provision to net charge-offs | 71.4558% | 2,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2942% | 1,998 |
| Assets per employee ($millions) | 11.5953% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,980 |
| Loan loss allowance to noncurrent loans | 175.3202% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 2,814 |
| Noncurrent loans to loans | 0.6489% | 2,466 |
| Net loans and leases to total assets | 68.2267% | 2,898 |
| Net loans and leases to deposits | 78.3109% | 3,212 |
| Net loans and leases to core deposits | 83.1275% | 3,236 |
| Total domestic deposits to total assets | 87.1230% | 1,676 |
| Equity capital to assets | 9.0746% | 4,481 |
| Core capital (leverage) ratio | 8.9392% | 4,761 |
| Tier 1 risk-based capital ratio | 12.9490% | 3,940 |
| Total risk-based capital ratio | 14.1990% | 3,839 |
| Memoranda: | ||
| Average total assets | $4,367,935,500 | 245 |
| Average earning assets | $4,142,053,500 | 238 |
| Average equity | $379,364,250 | 293 |
| Average total loans | $3,029,821,250 | 252 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 4,421 |
| Cost of funding earning assets | 0.3400% | 4,131 |
| Net interest margin | 3.4286% | 3,870 |
| Noninterest income to average assets | 0.6221% | 2,217 |
| Noninterest expense to average assets | 2.7550% | 2,831 |
| Loan and lease loss provision to assets | -0.0896% | 5,418 |
| Net operating income to assets | 0.9043% | 3,437 |
| Return on assets (ROA) | 0.9001% | 3,462 |
| Pretax return on assets | 1.2017% | 2,941 |
| Return on Equity (ROE) | 10.5346% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.5346% | 779 |
| Net charge-offs to loans | -0.0877% | 5,126 |
| Credit loss provision to net charge-offs | 146.9325% | 1,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1447% | 2,134 |
| Assets per employee ($millions) | 11.8100% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 3,119 |
| Loan loss allowance to noncurrent loans | 179.4295% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 2,933 |
| Noncurrent loans to loans | 0.6272% | 2,543 |
| Net loans and leases to total assets | 67.2623% | 2,983 |
| Net loans and leases to deposits | 78.2117% | 3,138 |
| Net loans and leases to core deposits | 82.7724% | 3,182 |
| Total domestic deposits to total assets | 86.0003% | 2,277 |
| Equity capital to assets | 8.7961% | 4,723 |
| Core capital (leverage) ratio | 8.5927% | 5,051 |
| Tier 1 risk-based capital ratio | 12.4586% | 4,212 |
| Total risk-based capital ratio | 13.7086% | 4,107 |
| Memoranda: | ||
| Average total assets | $4,277,867,670 | 246 |
| Average earning assets | $4,055,399,330 | 237 |
| Average equity | $365,521,000 | 297 |
| Average total loans | $2,972,806,670 | 253 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,425 |
| Cost of funding earning assets | 0.3526% | 3,967 |
| Net interest margin | 3.3672% | 3,999 |
| Noninterest income to average assets | 0.6922% | 1,865 |
| Noninterest expense to average assets | 2.8032% | 2,676 |
| Loan and lease loss provision to assets | 0.0829% | 2,137 |
| Net operating income to assets | 0.7539% | 3,895 |
| Return on assets (ROA) | 0.7460% | 3,919 |
| Pretax return on assets | 0.9910% | 3,569 |
| Return on Equity (ROE) | 8.8774% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.8774% | 1,507 |
| Net charge-offs to loans | -0.0784% | 5,143 |
| Credit loss provision to net charge-offs | -150.3534% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1160% | 2,178 |
| Assets per employee ($millions) | 11.2572% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,432 |
| Loan loss allowance to noncurrent loans | 176.0396% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 2,735 |
| Noncurrent loans to loans | 0.7181% | 2,418 |
| Net loans and leases to total assets | 70.0964% | 2,470 |
| Net loans and leases to deposits | 87.2941% | 2,016 |
| Net loans and leases to core deposits | 96.3328% | 1,953 |
| Total domestic deposits to total assets | 80.2991% | 4,366 |
| Equity capital to assets | 8.3178% | 5,098 |
| Core capital (leverage) ratio | 8.6024% | 5,064 |
| Tier 1 risk-based capital ratio | 11.5822% | 4,820 |
| Total risk-based capital ratio | 12.8324% | 4,705 |
| Memoranda: | ||
| Average total assets | $4,107,941,500 | 254 |
| Average earning assets | $3,897,574,500 | 242 |
| Average equity | $345,193,000 | 314 |
| Average total loans | $2,888,542,000 | 254 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6144% | 4,541 |
| Cost of funding earning assets | 0.4605% | 2,683 |
| Net interest margin | 3.1540% | 4,561 |
| Noninterest income to average assets | 0.7052% | 1,942 |
| Noninterest expense to average assets | 2.9642% | 2,264 |
| Loan and lease loss provision to assets | 0.1645% | 1,349 |
| Net operating income to assets | 0.2137% | 5,083 |
| Return on assets (ROA) | 0.1911% | 5,143 |
| Pretax return on assets | 0.5223% | 4,895 |
| Return on Equity (ROE) | 2.2502% | 5,007 |
| Retained earnings to average equity (ytd only) | 2.1299% | 4,039 |
| Net charge-offs to loans | 0.2375% | 1,092 |
| Credit loss provision to net charge-offs | 104.8006% | 2,454 |
| Earnings coverage of net charge-offs (x) | 4.6014% | 3,442 |
| Efficiency ratio | 80.4101% | 1,068 |
| Assets per employee ($millions) | 10.7413% | 254 |
| Cash dividends to net income (ytd only)* | 5.3422% | 4,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,345 |
| Loan loss allowance to noncurrent loans | 143.9291% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 2,381 |
| Noncurrent loans to loans | 0.8859% | 2,006 |
| Net loans and leases to total assets | 68.7674% | 2,708 |
| Net loans and leases to deposits | 85.9125% | 2,274 |
| Net loans and leases to core deposits | 95.1979% | 2,096 |
| Total domestic deposits to total assets | 80.0436% | 4,327 |
| Equity capital to assets | 8.5232% | 5,107 |
| Core capital (leverage) ratio | 8.4730% | 5,163 |
| Tier 1 risk-based capital ratio | 11.6451% | 4,761 |
| Total risk-based capital ratio | 12.8959% | 4,644 |
| Memoranda: | ||
| Average total assets | $4,074,778,600 | 248 |
| Average earning assets | $3,851,512,800 | 241 |
| Average equity | $346,065,400 | 296 |
| Average total loans | $2,692,705,400 | 264 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 4,564 |
| Cost of funding earning assets | 0.4811% | 2,423 |
| Net interest margin | 3.1173% | 4,665 |
| Noninterest income to average assets | 0.6857% | 2,059 |
| Noninterest expense to average assets | 2.9079% | 2,376 |
| Loan and lease loss provision to assets | 0.1686% | 1,200 |
| Net operating income to assets | 0.3758% | 5,053 |
| Return on assets (ROA) | 0.3779% | 5,076 |
| Pretax return on assets | 0.5549% | 4,917 |
| Return on Equity (ROE) | 4.4531% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.3014% | 3,346 |
| Net charge-offs to loans | 0.1848% | 1,138 |
| Credit loss provision to net charge-offs | 139.9783% | 1,777 |
| Earnings coverage of net charge-offs (x) | 5.9816% | 3,039 |
| Efficiency ratio | 80.1428% | 1,085 |
| Assets per employee ($millions) | 10.4917% | 270 |
| Cash dividends to net income (ytd only)* | 3.4065% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,074 |
| Loan loss allowance to noncurrent loans | 76.2652% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 1,322 |
| Noncurrent loans to loans | 1.7849% | 1,007 |
| Net loans and leases to total assets | 66.0978% | 3,089 |
| Net loans and leases to deposits | 87.3272% | 2,146 |
| Net loans and leases to core deposits | 97.2662% | 1,949 |
| Total domestic deposits to total assets | 75.6899% | 5,053 |
| Equity capital to assets | 8.6329% | 5,204 |
| Core capital (leverage) ratio | 8.5478% | 5,211 |
| Tier 1 risk-based capital ratio | 11.9682% | 4,649 |
| Total risk-based capital ratio | 13.2214% | 4,520 |
| Memoranda: | ||
| Average total assets | $4,081,102,250 | 246 |
| Average earning assets | $3,852,637,250 | 240 |
| Average equity | $346,295,250 | 297 |
| Average total loans | $2,660,709,000 | 264 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 4,692 |
| Cost of funding earning assets | 0.5102% | 2,087 |
| Net interest margin | 3.0167% | 4,874 |
| Noninterest income to average assets | 0.6897% | 2,036 |
| Noninterest expense to average assets | 2.8797% | 2,489 |
| Loan and lease loss provision to assets | 0.2052% | 882 |
| Net operating income to assets | 0.3144% | 5,188 |
| Return on assets (ROA) | 0.3113% | 5,214 |
| Pretax return on assets | 0.4461% | 5,092 |
| Return on Equity (ROE) | 3.6902% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.6902% | 3,500 |
| Net charge-offs to loans | -0.0241% | 4,846 |
| Credit loss provision to net charge-offs | -1,317.6101% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4523% | 1,057 |
| Assets per employee ($millions) | 10.8371% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,760 |
| Loan loss allowance to noncurrent loans | 88.7374% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 1,515 |
| Noncurrent loans to loans | 1.6343% | 1,127 |
| Net loans and leases to total assets | 65.4201% | 3,189 |
| Net loans and leases to deposits | 87.9991% | 1,982 |
| Net loans and leases to core deposits | 99.1138% | 1,717 |
| Total domestic deposits to total assets | 74.3418% | 5,264 |
| Equity capital to assets | 8.3022% | 5,409 |
| Core capital (leverage) ratio | 8.4464% | 5,260 |
| Tier 1 risk-based capital ratio | 11.4855% | 4,964 |
| Total risk-based capital ratio | 12.7400% | 4,855 |
| Memoranda: | ||
| Average total assets | $4,084,548,000 | 248 |
| Average earning assets | $3,852,966,330 | 240 |
| Average equity | $344,585,330 | 299 |
| Average total loans | $2,638,339,330 | 269 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 4,649 |
| Cost of funding earning assets | 0.5441% | 1,754 |
| Net interest margin | 2.9722% | 4,954 |
| Noninterest income to average assets | 0.6979% | 1,984 |
| Noninterest expense to average assets | 2.9771% | 2,218 |
| Loan and lease loss provision to assets | 0.0696% | 2,419 |
| Net operating income to assets | 0.2997% | 5,191 |
| Return on assets (ROA) | 0.3274% | 5,158 |
| Pretax return on assets | 0.4954% | 4,978 |
| Return on Equity (ROE) | 3.8489% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.8489% | 3,528 |
| Net charge-offs to loans | -0.0512% | 5,194 |
| Credit loss provision to net charge-offs | -213.6778% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0557% | 886 |
| Assets per employee ($millions) | 10.2707% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 2,032 |
| Loan loss allowance to noncurrent loans | 79.0988% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 1,435 |
| Noncurrent loans to loans | 1.7840% | 1,055 |
| Net loans and leases to total assets | 63.6675% | 3,313 |
| Net loans and leases to deposits | 83.1217% | 2,379 |
| Net loans and leases to core deposits | 93.6261% | 2,012 |
| Total domestic deposits to total assets | 76.5955% | 5,164 |
| Equity capital to assets | 8.5870% | 5,172 |
| Core capital (leverage) ratio | 8.3651% | 5,332 |
| Tier 1 risk-based capital ratio | 11.6209% | 4,964 |
| Total risk-based capital ratio | 12.8738% | 4,858 |
| Memoranda: | ||
| Average total assets | $4,040,674,000 | 252 |
| Average earning assets | $3,809,745,500 | 241 |
| Average equity | $343,682,500 | 298 |
| Average total loans | $2,572,664,500 | 274 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,026 |
| Cost of funding earning assets | 0.6206% | 1,203 |
| Net interest margin | 2.7574% | 5,348 |
| Noninterest income to average assets | 0.7242% | 2,060 |
| Noninterest expense to average assets | 2.9384% | 2,535 |
| Loan and lease loss provision to assets | 0.1924% | 1,216 |
| Net operating income to assets | 0.1892% | 5,437 |
| Return on assets (ROA) | 0.2611% | 5,369 |
| Pretax return on assets | 0.2821% | 5,384 |
| Return on Equity (ROE) | 3.0151% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.0151% | 3,757 |
| Net charge-offs to loans | 0.2360% | 1,184 |
| Credit loss provision to net charge-offs | 135.4237% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.7957% | 3,769 |
| Efficiency ratio | 88.0912% | 673 |
| Assets per employee ($millions) | 10.6701% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 2,074 |
| Loan loss allowance to noncurrent loans | 95.5108% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9934% | 1,909 |
| Noncurrent loans to loans | 1.4668% | 1,381 |
| Net loans and leases to total assets | 61.8961% | 3,623 |
| Net loans and leases to deposits | 83.0717% | 2,537 |
| Net loans and leases to core deposits | 94.9708% | 2,009 |
| Total domestic deposits to total assets | 74.5091% | 5,400 |
| Equity capital to assets | 8.4246% | 5,327 |
| Core capital (leverage) ratio | 8.2261% | 5,491 |
| Tier 1 risk-based capital ratio | 11.6114% | 4,980 |
| Total risk-based capital ratio | 12.8652% | 4,890 |
| Memoranda: | ||
| Average total assets | $3,961,616,000 | 236 |
| Average earning assets | $3,751,987,600 | 230 |
| Average equity | $343,004,000 | 289 |
| Average total loans | $2,385,652,800 | 273 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 5,167 |
| Cost of funding earning assets | 0.6326% | 1,123 |
| Net interest margin | 2.6977% | 5,495 |
| Noninterest income to average assets | 0.7248% | 2,059 |
| Noninterest expense to average assets | 2.9604% | 2,429 |
| Loan and lease loss provision to assets | 0.0741% | 2,736 |
| Net operating income to assets | 0.2286% | 5,420 |
| Return on assets (ROA) | 0.3011% | 5,368 |
| Pretax return on assets | 0.3255% | 5,421 |
| Return on Equity (ROE) | 3.4540% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.4540% | 3,826 |
| Net charge-offs to loans | 0.1383% | 1,602 |
| Credit loss provision to net charge-offs | 89.9343% | 2,528 |
| Earnings coverage of net charge-offs (x) | 3.9035% | 3,342 |
| Efficiency ratio | 90.1999% | 548 |
| Assets per employee ($millions) | 10.2558% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 2,272 |
| Loan loss allowance to noncurrent loans | 110.5784% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 2,471 |
| Noncurrent loans to loans | 1.2508% | 1,790 |
| Net loans and leases to total assets | 58.6698% | 4,028 |
| Net loans and leases to deposits | 77.3049% | 3,263 |
| Net loans and leases to core deposits | 84.8259% | 3,050 |
| Total domestic deposits to total assets | 75.8941% | 5,248 |
| Equity capital to assets | 8.6751% | 5,417 |
| Core capital (leverage) ratio | 8.5726% | 5,289 |
| Tier 1 risk-based capital ratio | 11.8993% | 4,852 |
| Total risk-based capital ratio | 13.1546% | 4,742 |
| Memoranda: | ||
| Average total assets | $3,938,363,250 | 233 |
| Average earning assets | $3,733,324,750 | 229 |
| Average equity | $343,358,750 | 287 |
| Average total loans | $2,345,738,000 | 274 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3174% | 5,254 |
| Cost of funding earning assets | 0.6598% | 997 |
| Net interest margin | 2.6576% | 5,611 |
| Noninterest income to average assets | 0.7544% | 1,912 |
| Noninterest expense to average assets | 2.9820% | 2,403 |
| Loan and lease loss provision to assets | 0.0874% | 2,397 |
| Net operating income to assets | 0.1851% | 5,553 |
| Return on assets (ROA) | 0.2680% | 5,470 |
| Pretax return on assets | 0.2923% | 5,509 |
| Return on Equity (ROE) | 3.0690% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.0690% | 3,958 |
| Net charge-offs to loans | 0.1698% | 1,321 |
| Credit loss provision to net charge-offs | 86.4097% | 2,290 |
| Earnings coverage of net charge-offs (x) | 2.8616% | 3,202 |
| Efficiency ratio | 91.1487% | 539 |
| Assets per employee ($millions) | 10.1820% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 2,167 |
| Loan loss allowance to noncurrent loans | 96.8899% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 2,274 |
| Noncurrent loans to loans | 1.4746% | 1,490 |
| Net loans and leases to total assets | 58.6221% | 4,057 |
| Net loans and leases to deposits | 78.2735% | 3,128 |
| Net loans and leases to core deposits | 84.4970% | 3,036 |
| Total domestic deposits to total assets | 74.8939% | 5,425 |
| Equity capital to assets | 8.8574% | 5,349 |
| Core capital (leverage) ratio | 8.5319% | 5,337 |
| Tier 1 risk-based capital ratio | 12.1068% | 4,764 |
| Total risk-based capital ratio | 13.3630% | 4,675 |
| Memoranda: | ||
| Average total assets | $3,897,383,000 | 237 |
| Average earning assets | $3,691,511,670 | 229 |
| Average equity | $340,371,000 | 289 |
| Average total loans | $2,322,258,000 | 274 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,299 |
| Cost of funding earning assets | 0.6640% | 973 |
| Net interest margin | 2.6474% | 5,669 |
| Noninterest income to average assets | 0.7171% | 1,953 |
| Noninterest expense to average assets | 2.9211% | 2,628 |
| Loan and lease loss provision to assets | 0.1945% | 1,023 |
| Net operating income to assets | 0.0973% | 5,684 |
| Return on assets (ROA) | 0.1922% | 5,594 |
| Pretax return on assets | 0.2119% | 5,630 |
| Return on Equity (ROE) | 2.2170% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.2170% | 4,372 |
| Net charge-offs to loans | 0.2259% | 906 |
| Credit loss provision to net charge-offs | 144.3764% | 1,302 |
| Earnings coverage of net charge-offs (x) | 2.2425% | 2,715 |
| Efficiency ratio | 90.6277% | 632 |
| Assets per employee ($millions) | 9.9755% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 2,106 |
| Loan loss allowance to noncurrent loans | 78.1737% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 1,863 |
| Noncurrent loans to loans | 1.8835% | 1,175 |
| Net loans and leases to total assets | 58.1548% | 4,027 |
| Net loans and leases to deposits | 79.9020% | 2,804 |
| Net loans and leases to core deposits | 89.4092% | 2,426 |
| Total domestic deposits to total assets | 72.7827% | 5,725 |
| Equity capital to assets | 8.6470% | 5,459 |
| Core capital (leverage) ratio | 8.6207% | 5,266 |
| Tier 1 risk-based capital ratio | 11.9961% | 4,919 |
| Total risk-based capital ratio | 13.2532% | 4,834 |
| Memoranda: | ||
| Average total assets | $3,880,939,000 | 239 |
| Average earning assets | $3,673,741,000 | 230 |
| Average equity | $336,496,500 | 289 |
| Average total loans | $2,314,685,000 | 273 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 5,233 |
| Cost of funding earning assets | 0.6737% | 943 |
| Net interest margin | 2.6916% | 5,657 |
| Noninterest income to average assets | 0.6699% | 2,342 |
| Noninterest expense to average assets | 3.0583% | 2,358 |
| Loan and lease loss provision to assets | 0.0731% | 2,805 |
| Net operating income to assets | 0.5307% | 4,580 |
| Return on assets (ROA) | 0.6064% | 4,339 |
| Pretax return on assets | 0.1674% | 5,730 |
| Return on Equity (ROE) | 7.0659% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.0356% | 1,266 |
| Net charge-offs to loans | 0.1307% | 2,062 |
| Credit loss provision to net charge-offs | 95.9958% | 2,641 |
| Earnings coverage of net charge-offs (x) | 2.1654% | 3,963 |
| Efficiency ratio | 94.8813% | 443 |
| Assets per employee ($millions) | 10.1434% | 264 |
| Cash dividends to net income (ytd only)* | 0.4284% | 4,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 2,176 |
| Loan loss allowance to noncurrent loans | 72.3561% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.2689% | 1,682 |
| Noncurrent loans to loans | 2.0191% | 1,027 |
| Net loans and leases to total assets | 59.3608% | 3,924 |
| Net loans and leases to deposits | 83.0438% | 2,469 |
| Net loans and leases to core deposits | 92.2138% | 2,198 |
| Total domestic deposits to total assets | 71.4813% | 5,825 |
| Equity capital to assets | 8.7770% | 5,328 |
| Core capital (leverage) ratio | 8.6022% | 5,326 |
| Tier 1 risk-based capital ratio | 11.9881% | 4,958 |
| Total risk-based capital ratio | 13.2495% | 4,849 |
| Memoranda: | ||
| Average total assets | $3,772,452,000 | 235 |
| Average earning assets | $3,578,642,200 | 226 |
| Average equity | $323,753,600 | 284 |
| Average total loans | $2,197,762,200 | 265 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3774% | 5,253 |
| Cost of funding earning assets | 0.6700% | 983 |
| Net interest margin | 2.7074% | 5,717 |
| Noninterest income to average assets | 0.6698% | 2,388 |
| Noninterest expense to average assets | 3.0489% | 2,368 |
| Loan and lease loss provision to assets | 0.0601% | 2,980 |
| Net operating income to assets | 0.1068% | 5,841 |
| Return on assets (ROA) | 0.1760% | 5,772 |
| Pretax return on assets | 0.2132% | 5,773 |
| Return on Equity (ROE) | 2.0474% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.0474% | 4,851 |
| Net charge-offs to loans | 0.0841% | 2,344 |
| Credit loss provision to net charge-offs | 123.7226% | 1,935 |
| Earnings coverage of net charge-offs (x) | 3.9117% | 3,434 |
| Efficiency ratio | 94.1303% | 486 |
| Assets per employee ($millions) | 9.7731% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 2,386 |
| Loan loss allowance to noncurrent loans | 77.3129% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 1,950 |
| Noncurrent loans to loans | 1.8698% | 1,241 |
| Net loans and leases to total assets | 61.2997% | 3,692 |
| Net loans and leases to deposits | 85.6983% | 2,177 |
| Net loans and leases to core deposits | 97.2136% | 1,769 |
| Total domestic deposits to total assets | 71.5297% | 5,896 |
| Equity capital to assets | 8.5709% | 5,660 |
| Core capital (leverage) ratio | 8.6973% | 5,355 |
| Tier 1 risk-based capital ratio | 11.7889% | 5,213 |
| Total risk-based capital ratio | 13.0432% | 5,126 |
| Memoranda: | ||
| Average total assets | $3,761,995,250 | 240 |
| Average earning assets | $3,569,640,500 | 230 |
| Average equity | $323,396,000 | 291 |
| Average total loans | $2,171,291,500 | 272 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 5,214 |
| Cost of funding earning assets | 0.6671% | 1,009 |
| Net interest margin | 2.7396% | 5,723 |
| Noninterest income to average assets | 0.6689% | 2,364 |
| Noninterest expense to average assets | 3.0651% | 2,352 |
| Loan and lease loss provision to assets | 0.1317% | 1,668 |
| Net operating income to assets | 0.0547% | 5,928 |
| Return on assets (ROA) | 0.1304% | 5,879 |
| Pretax return on assets | 0.1677% | 5,859 |
| Return on Equity (ROE) | 1.5158% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.5158% | 4,943 |
| Net charge-offs to loans | 0.1245% | 1,761 |
| Credit loss provision to net charge-offs | 188.1950% | 1,298 |
| Earnings coverage of net charge-offs (x) | 2.8911% | 3,276 |
| Efficiency ratio | 93.7991% | 532 |
| Assets per employee ($millions) | 9.4612% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,878 |
| Loan loss allowance to noncurrent loans | 66.6736% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 1,684 |
| Noncurrent loans to loans | 2.4126% | 941 |
| Net loans and leases to total assets | 57.7246% | 4,136 |
| Net loans and leases to deposits | 83.1997% | 2,415 |
| Net loans and leases to core deposits | 93.0954% | 2,051 |
| Total domestic deposits to total assets | 69.3808% | 6,062 |
| Equity capital to assets | 8.4037% | 5,757 |
| Core capital (leverage) ratio | 8.4324% | 5,594 |
| Tier 1 risk-based capital ratio | 11.5751% | 5,415 |
| Total risk-based capital ratio | 12.8305% | 5,329 |
| Memoranda: | ||
| Average total assets | $3,752,007,330 | 242 |
| Average earning assets | $3,558,886,000 | 231 |
| Average equity | $322,859,330 | 293 |
| Average total loans | $2,108,870,330 | 276 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2938% | 5,466 |
| Cost of funding earning assets | 0.6619% | 1,036 |
| Net interest margin | 2.6319% | 5,889 |
| Noninterest income to average assets | 0.6449% | 2,424 |
| Noninterest expense to average assets | 3.0129% | 2,543 |
| Loan and lease loss provision to assets | 0.0983% | 2,057 |
| Net operating income to assets | -0.0108% | 6,028 |
| Return on assets (ROA) | -0.0070% | 6,064 |
| Pretax return on assets | 0.0356% | 6,011 |
| Return on Equity (ROE) | -0.0807% | 6,067 |
| Retained earnings to average equity (ytd only) | -0.0807% | 5,390 |
| Net charge-offs to loans | 0.0962% | 1,759 |
| Credit loss provision to net charge-offs | 185.9155% | 1,100 |
| Earnings coverage of net charge-offs (x) | 2.4225% | 2,761 |
| Efficiency ratio | 95.9046% | 506 |
| Assets per employee ($millions) | 9.2446% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 1,955 |
| Loan loss allowance to noncurrent loans | 59.0494% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.5916% | 1,612 |
| Noncurrent loans to loans | 2.7523% | 848 |
| Net loans and leases to total assets | 55.1561% | 4,299 |
| Net loans and leases to deposits | 80.5626% | 2,493 |
| Net loans and leases to core deposits | 90.3647% | 2,097 |
| Total domestic deposits to total assets | 68.4637% | 6,186 |
| Equity capital to assets | 8.3254% | 5,852 |
| Core capital (leverage) ratio | 8.3981% | 5,635 |
| Tier 1 risk-based capital ratio | 11.3354% | 5,638 |
| Total risk-based capital ratio | 12.5903% | 5,547 |
| Memoranda: | ||
| Average total assets | $3,759,433,500 | 238 |
| Average earning assets | $3,565,469,500 | 229 |
| Average equity | $327,258,500 | 287 |
| Average total loans | $2,067,041,500 | 276 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3479% | 5,625 |
| Cost of funding earning assets | 0.8324% | 556 |
| Net interest margin | 2.5154% | 6,139 |
| Noninterest income to average assets | 0.6724% | 2,441 |
| Noninterest expense to average assets | 3.4663% | 1,560 |
| Loan and lease loss provision to assets | 0.0009% | 4,591 |
| Net operating income to assets | -0.2522% | 6,223 |
| Return on assets (ROA) | -0.3393% | 6,246 |
| Pretax return on assets | -0.5530% | 6,302 |
| Return on Equity (ROE) | -3.8565% | 6,266 |
| Retained earnings to average equity (ytd only) | -3.8565% | 6,130 |
| Net charge-offs to loans | 0.1482% | 2,551 |
| Credit loss provision to net charge-offs | 1.1838% | 4,195 |
| Earnings coverage of net charge-offs (x) | -5.4283% | 4,891 |
| Efficiency ratio | 113.0277% | 179 |
| Assets per employee ($millions) | 8.9845% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,750 |
| Loan loss allowance to noncurrent loans | 51.0331% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 1,400 |
| Noncurrent loans to loans | 3.3509% | 632 |
| Net loans and leases to total assets | 52.9589% | 4,691 |
| Net loans and leases to deposits | 78.2394% | 2,948 |
| Net loans and leases to core deposits | 88.0390% | 2,494 |
| Total domestic deposits to total assets | 67.6883% | 6,277 |
| Equity capital to assets | 9.0908% | 5,192 |
| Core capital (leverage) ratio | 8.4580% | 5,597 |
| Tier 1 risk-based capital ratio | 12.0348% | 5,342 |
| Total risk-based capital ratio | 13.2879% | 5,244 |
| Memoranda: | ||
| Average total assets | $3,746,228,400 | 228 |
| Average earning assets | $3,541,179,400 | 218 |
| Average equity | $329,574,600 | 272 |
| Average total loans | $1,937,408,800 | 272 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3594% | 5,655 |
| Cost of funding earning assets | 0.8653% | 496 |
| Net interest margin | 2.4941% | 6,232 |
| Noninterest income to average assets | 0.6681% | 2,482 |
| Noninterest expense to average assets | 2.9776% | 2,876 |
| Loan and lease loss provision to assets | -0.0116% | 6,095 |
| Net operating income to assets | 0.0429% | 6,096 |
| Return on assets (ROA) | -0.1072% | 6,229 |
| Pretax return on assets | -0.1469% | 6,232 |
| Return on Equity (ROE) | -1.2285% | 6,243 |
| Retained earnings to average equity (ytd only) | -1.2285% | 5,994 |
| Net charge-offs to loans | 0.1648% | 2,149 |
| Credit loss provision to net charge-offs | -13.7437% | 5,258 |
| Earnings coverage of net charge-offs (x) | 0.5582% | 4,360 |
| Efficiency ratio | 98.2735% | 425 |
| Assets per employee ($millions) | 8.8176% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 1,695 |
| Loan loss allowance to noncurrent loans | 47.4661% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 1,429 |
| Noncurrent loans to loans | 3.7914% | 592 |
| Net loans and leases to total assets | 51.8141% | 4,831 |
| Net loans and leases to deposits | 74.4326% | 3,385 |
| Net loans and leases to core deposits | 83.4646% | 2,946 |
| Total domestic deposits to total assets | 69.6121% | 6,297 |
| Equity capital to assets | 9.5022% | 4,794 |
| Core capital (leverage) ratio | 8.5490% | 5,595 |
| Tier 1 risk-based capital ratio | 12.5300% | 5,150 |
| Total risk-based capital ratio | 13.7831% | 5,086 |
| Memoranda: | ||
| Average total assets | $3,750,639,250 | 226 |
| Average earning assets | $3,543,729,500 | 214 |
| Average equity | $327,228,500 | 269 |
| Average total loans | $1,919,517,750 | 273 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 5,655 |
| Cost of funding earning assets | 0.8792% | 479 |
| Net interest margin | 2.5062% | 6,266 |
| Noninterest income to average assets | 0.6593% | 2,488 |
| Noninterest expense to average assets | 2.9944% | 2,846 |
| Loan and lease loss provision to assets | 0.0865% | 2,586 |
| Net operating income to assets | -0.0313% | 6,208 |
| Return on assets (ROA) | -0.2324% | 6,347 |
| Pretax return on assets | -0.3683% | 6,386 |
| Return on Equity (ROE) | -2.7413% | 6,366 |
| Retained earnings to average equity (ytd only) | -2.7413% | 6,073 |
| Net charge-offs to loans | 0.5473% | 745 |
| Credit loss provision to net charge-offs | 31.1893% | 3,047 |
| Earnings coverage of net charge-offs (x) | 0.1167% | 4,111 |
| Efficiency ratio | 98.7621% | 435 |
| Assets per employee ($millions) | 9.0812% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 1,959 |
| Loan loss allowance to noncurrent loans | 41.2213% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.1108% | 1,473 |
| Noncurrent loans to loans | 4.2633% | 533 |
| Net loans and leases to total assets | 48.3822% | 5,141 |
| Net loans and leases to deposits | 71.7887% | 3,600 |
| Net loans and leases to core deposits | 79.3994% | 3,273 |
| Total domestic deposits to total assets | 67.3952% | 6,441 |
| Equity capital to assets | 9.0655% | 5,231 |
| Core capital (leverage) ratio | 8.2572% | 5,883 |
| Tier 1 risk-based capital ratio | 12.5794% | 5,173 |
| Total risk-based capital ratio | 13.8302% | 5,104 |
| Memoranda: | ||
| Average total assets | $3,789,903,670 | 222 |
| Average earning assets | $3,580,099,670 | 213 |
| Average equity | $321,237,670 | 271 |
| Average total loans | $1,920,416,330 | 269 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 5,704 |
| Cost of funding earning assets | 0.8859% | 489 |
| Net interest margin | 2.4880% | 6,342 |
| Noninterest income to average assets | 0.6633% | 2,380 |
| Noninterest expense to average assets | 2.7932% | 3,595 |
| Loan and lease loss provision to assets | -0.0665% | 6,465 |
| Net operating income to assets | 0.1648% | 5,892 |
| Return on assets (ROA) | 0.1782% | 5,901 |
| Pretax return on assets | 0.3132% | 5,684 |
| Return on Equity (ROE) | 2.1788% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.1788% | 4,731 |
| Net charge-offs to loans | 0.3451% | 1,033 |
| Credit loss provision to net charge-offs | -37.4925% | 4,724 |
| Earnings coverage of net charge-offs (x) | 1.2728% | 3,131 |
| Efficiency ratio | 92.3541% | 858 |
| Assets per employee ($millions) | 9.2004% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8943% | 1,771 |
| Loan loss allowance to noncurrent loans | 46.0837% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 2.0945% | 1,603 |
| Noncurrent loans to loans | 4.1106% | 636 |
| Net loans and leases to total assets | 49.6861% | 4,938 |
| Net loans and leases to deposits | 70.4472% | 3,542 |
| Net loans and leases to core deposits | 77.5622% | 3,241 |
| Total domestic deposits to total assets | 70.5296% | 6,431 |
| Equity capital to assets | 8.2325% | 5,881 |
| Core capital (leverage) ratio | 8.2885% | 5,856 |
| Tier 1 risk-based capital ratio | 12.3651% | 5,401 |
| Total risk-based capital ratio | 13.6193% | 5,334 |
| Memoranda: | ||
| Average total assets | $3,777,802,500 | 221 |
| Average earning assets | $3,576,626,000 | 212 |
| Average equity | $308,972,000 | 280 |
| Average total loans | $1,941,446,000 | 263 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 5,580 |
| Cost of funding earning assets | 0.9680% | 532 |
| Net interest margin | 2.5617% | 6,311 |
| Noninterest income to average assets | 0.7246% | 2,411 |
| Noninterest expense to average assets | 3.1879% | 2,452 |
| Loan and lease loss provision to assets | 0.2001% | 1,857 |
| Net operating income to assets | -0.2139% | 6,372 |
| Return on assets (ROA) | -0.0328% | 6,280 |
| Pretax return on assets | 0.0479% | 6,160 |
| Return on Equity (ROE) | -0.3772% | 6,284 |
| Retained earnings to average equity (ytd only) | -0.6889% | 6,007 |
| Net charge-offs to loans | 0.9117% | 667 |
| Credit loss provision to net charge-offs | 42.6764% | 3,983 |
| Earnings coverage of net charge-offs (x) | -0.0757% | 5,109 |
| Efficiency ratio | 100.9585% | 451 |
| Assets per employee ($millions) | 8.9431% | 339 |
| Cash dividends to net income (ytd only)* | -82.6446% | 6,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 2,024 |
| Loan loss allowance to noncurrent loans | 44.8918% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.1202% | 1,688 |
| Noncurrent loans to loans | 4.0401% | 716 |
| Net loans and leases to total assets | 51.1957% | 4,952 |
| Net loans and leases to deposits | 74.7061% | 3,155 |
| Net loans and leases to core deposits | 83.0030% | 2,771 |
| Total domestic deposits to total assets | 68.5294% | 6,570 |
| Equity capital to assets | 8.1244% | 5,921 |
| Core capital (leverage) ratio | 8.5893% | 5,558 |
| Tier 1 risk-based capital ratio | 12.2609% | 5,455 |
| Total risk-based capital ratio | 13.5136% | 5,381 |
| Memoranda: | ||
| Average total assets | $3,693,334,200 | 217 |
| Average earning assets | $3,500,351,200 | 208 |
| Average equity | $320,789,200 | 260 |
| Average total loans | $1,899,066,400 | 263 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,576 |
| Cost of funding earning assets | 0.9816% | 544 |
| Net interest margin | 2.5692% | 6,350 |
| Noninterest income to average assets | 0.6878% | 2,677 |
| Noninterest expense to average assets | 3.1377% | 2,538 |
| Loan and lease loss provision to assets | 0.1347% | 2,593 |
| Net operating income to assets | -0.1644% | 6,444 |
| Return on assets (ROA) | 0.0258% | 6,319 |
| Pretax return on assets | 0.1493% | 6,137 |
| Return on Equity (ROE) | 0.2925% | 6,310 |
| Retained earnings to average equity (ytd only) | 0.2925% | 5,851 |
| Net charge-offs to loans | 0.9450% | 609 |
| Credit loss provision to net charge-offs | 27.8286% | 3,935 |
| Earnings coverage of net charge-offs (x) | -0.0285% | 4,861 |
| Efficiency ratio | 100.2717% | 457 |
| Assets per employee ($millions) | 8.9740% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 1,987 |
| Loan loss allowance to noncurrent loans | 38.6336% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.4692% | 1,564 |
| Noncurrent loans to loans | 4.9356% | 616 |
| Net loans and leases to total assets | 48.8807% | 5,259 |
| Net loans and leases to deposits | 70.7658% | 3,675 |
| Net loans and leases to core deposits | 78.6215% | 3,281 |
| Total domestic deposits to total assets | 69.0739% | 6,631 |
| Equity capital to assets | 8.3305% | 5,891 |
| Core capital (leverage) ratio | 8.7734% | 5,449 |
| Tier 1 risk-based capital ratio | 12.9244% | 5,173 |
| Total risk-based capital ratio | 14.1781% | 5,114 |
| Memoranda: | ||
| Average total assets | $3,675,406,250 | 215 |
| Average earning assets | $3,484,984,000 | 205 |
| Average equity | $324,515,000 | 256 |
| Average total loans | $1,883,046,750 | 265 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 5,660 |
| Cost of funding earning assets | 0.9952% | 557 |
| Net interest margin | 2.5210% | 6,425 |
| Noninterest income to average assets | 0.6888% | 2,694 |
| Noninterest expense to average assets | 3.3011% | 2,069 |
| Loan and lease loss provision to assets | 0.2287% | 1,640 |
| Net operating income to assets | -0.5036% | 6,632 |
| Return on assets (ROA) | -0.0828% | 6,440 |
| Pretax return on assets | -0.0285% | 6,378 |
| Return on Equity (ROE) | -0.9195% | 6,453 |
| Retained earnings to average equity (ytd only) | -0.9195% | 6,036 |
| Net charge-offs to loans | 1.3172% | 433 |
| Credit loss provision to net charge-offs | 33.5645% | 3,524 |
| Earnings coverage of net charge-offs (x) | -0.3239% | 4,636 |
| Efficiency ratio | 106.9898% | 328 |
| Assets per employee ($millions) | 8.4845% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9652% | 1,928 |
| Loan loss allowance to noncurrent loans | 38.4314% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 2.6948% | 1,550 |
| Noncurrent loans to loans | 5.1135% | 617 |
| Net loans and leases to total assets | 51.4672% | 4,935 |
| Net loans and leases to deposits | 75.8520% | 2,897 |
| Net loans and leases to core deposits | 82.1450% | 2,786 |
| Total domestic deposits to total assets | 67.8522% | 6,720 |
| Equity capital to assets | 8.6576% | 5,602 |
| Core capital (leverage) ratio | 8.9969% | 4,993 |
| Tier 1 risk-based capital ratio | 13.0409% | 5,110 |
| Total risk-based capital ratio | 14.2956% | 5,053 |
| Memoranda: | ||
| Average total assets | $3,641,194,670 | 215 |
| Average earning assets | $3,454,264,330 | 206 |
| Average equity | $327,777,330 | 256 |
| Average total loans | $1,883,185,000 | 267 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 5,795 |
| Cost of funding earning assets | 1.0125% | 579 |
| Net interest margin | 2.4533% | 6,553 |
| Noninterest income to average assets | 0.6443% | 2,908 |
| Noninterest expense to average assets | 3.1698% | 2,454 |
| Loan and lease loss provision to assets | 0.5509% | 477 |
| Net operating income to assets | -0.5212% | 6,681 |
| Return on assets (ROA) | -0.3249% | 6,620 |
| Pretax return on assets | -0.4644% | 6,664 |
| Return on Equity (ROE) | -3.5417% | 6,633 |
| Retained earnings to average equity (ytd only) | -3.5417% | 6,236 |
| Net charge-offs to loans | 1.7748% | 278 |
| Credit loss provision to net charge-offs | 60.4637% | 2,439 |
| Earnings coverage of net charge-offs (x) | -0.2132% | 3,874 |
| Efficiency ratio | 106.3489% | 387 |
| Assets per employee ($millions) | 8.0311% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2581% | 1,472 |
| Loan loss allowance to noncurrent loans | 35.3497% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 3.3451% | 1,299 |
| Noncurrent loans to loans | 6.3879% | 506 |
| Net loans and leases to total assets | 51.0436% | 4,836 |
| Net loans and leases to deposits | 75.5468% | 2,704 |
| Net loans and leases to core deposits | 81.8719% | 2,585 |
| Total domestic deposits to total assets | 67.5656% | 6,814 |
| Equity capital to assets | 9.2672% | 5,180 |
| Core capital (leverage) ratio | 8.6679% | 5,367 |
| Tier 1 risk-based capital ratio | 13.0740% | 5,163 |
| Total risk-based capital ratio | 14.3320% | 5,111 |
| Memoranda: | ||
| Average total assets | $3,654,602,000 | 219 |
| Average earning assets | $3,472,725,500 | 210 |
| Average equity | $335,206,000 | 258 |
| Average total loans | $1,876,022,000 | 268 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 5,792 |
| Cost of funding earning assets | 1.2549% | 448 |
| Net interest margin | 2.5599% | 6,668 |
| Noninterest income to average assets | 0.6339% | 3,084 |
| Noninterest expense to average assets | 3.1484% | 2,775 |
| Loan and lease loss provision to assets | 0.2922% | 2,337 |
| Net operating income to assets | -0.3067% | 6,447 |
| Return on assets (ROA) | 0.0991% | 6,159 |
| Pretax return on assets | 0.0237% | 6,255 |
| Return on Equity (ROE) | 1.3724% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.3724% | 5,191 |
| Net charge-offs to loans | 0.6355% | 1,841 |
| Credit loss provision to net charge-offs | 89.0120% | 3,512 |
| Earnings coverage of net charge-offs (x) | -0.2742% | 5,605 |
| Efficiency ratio | 102.7805% | 473 |
| Assets per employee ($millions) | 8.3199% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 1,208 |
| Loan loss allowance to noncurrent loans | 33.6608% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 3.6401% | 1,224 |
| Noncurrent loans to loans | 7.1891% | 436 |
| Net loans and leases to total assets | 49.2566% | 5,272 |
| Net loans and leases to deposits | 72.9782% | 3,252 |
| Net loans and leases to core deposits | 79.5642% | 3,068 |
| Total domestic deposits to total assets | 67.4949% | 6,872 |
| Equity capital to assets | 9.0809% | 5,425 |
| Core capital (leverage) ratio | 8.7123% | 5,314 |
| Tier 1 risk-based capital ratio | 13.3692% | 4,839 |
| Total risk-based capital ratio | 14.6304% | 4,787 |
| Memoranda: | ||
| Average total assets | $3,904,095,400 | 210 |
| Average earning assets | $3,697,626,800 | 197 |
| Average equity | $281,995,400 | 283 |
| Average total loans | $2,016,396,600 | 244 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 5,799 |
| Cost of funding earning assets | 1.3053% | 425 |
| Net interest margin | 2.5898% | 6,767 |
| Noninterest income to average assets | 0.6338% | 3,081 |
| Noninterest expense to average assets | 2.8985% | 3,604 |
| Loan and lease loss provision to assets | 0.2729% | 2,393 |
| Net operating income to assets | -0.0787% | 6,382 |
| Return on assets (ROA) | 0.1887% | 6,106 |
| Pretax return on assets | 0.2041% | 6,113 |
| Return on Equity (ROE) | 2.7808% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.7808% | 4,882 |
| Net charge-offs to loans | 0.5123% | 2,073 |
| Credit loss provision to net charge-offs | 102.5898% | 2,868 |
| Earnings coverage of net charge-offs (x) | 0.7006% | 4,973 |
| Efficiency ratio | 93.7997% | 790 |
| Assets per employee ($millions) | 8.7500% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4007% | 1,360 |
| Loan loss allowance to noncurrent loans | 34.8921% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 3.5842% | 1,395 |
| Noncurrent loans to loans | 6.8804% | 533 |
| Net loans and leases to total assets | 49.7802% | 5,336 |
| Net loans and leases to deposits | 77.8318% | 2,686 |
| Net loans and leases to core deposits | 84.2737% | 2,664 |
| Total domestic deposits to total assets | 63.9587% | 7,017 |
| Equity capital to assets | 8.4776% | 6,284 |
| Core capital (leverage) ratio | 8.7926% | 5,360 |
| Tier 1 risk-based capital ratio | 13.5762% | 4,836 |
| Total risk-based capital ratio | 14.8401% | 4,783 |
| Memoranda: | ||
| Average total assets | $3,948,290,500 | 211 |
| Average earning assets | $3,736,737,750 | 197 |
| Average equity | $267,876,250 | 300 |
| Average total loans | $2,050,126,000 | 240 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 5,810 |
| Cost of funding earning assets | 1.3397% | 449 |
| Net interest margin | 2.6007% | 6,815 |
| Noninterest income to average assets | 0.6401% | 3,006 |
| Noninterest expense to average assets | 2.8190% | 3,942 |
| Loan and lease loss provision to assets | 0.2325% | 2,749 |
| Net operating income to assets | 0.1126% | 6,127 |
| Return on assets (ROA) | 0.2338% | 6,002 |
| Pretax return on assets | 0.1743% | 6,187 |
| Return on Equity (ROE) | 3.7476% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.7476% | 4,113 |
| Net charge-offs to loans | 0.5666% | 1,895 |
| Credit loss provision to net charge-offs | 78.5569% | 3,357 |
| Earnings coverage of net charge-offs (x) | 0.9650% | 4,550 |
| Efficiency ratio | 90.6468% | 1,024 |
| Assets per employee ($millions) | 8.7747% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2706% | 1,640 |
| Loan loss allowance to noncurrent loans | 44.9566% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.6975% | 2,046 |
| Noncurrent loans to loans | 5.0506% | 966 |
| Net loans and leases to total assets | 50.6887% | 5,267 |
| Net loans and leases to deposits | 79.3154% | 2,482 |
| Net loans and leases to core deposits | 86.8206% | 2,324 |
| Total domestic deposits to total assets | 63.9077% | 7,086 |
| Equity capital to assets | 8.2508% | 6,412 |
| Core capital (leverage) ratio | 8.5060% | 5,647 |
| Tier 1 risk-based capital ratio | 12.9072% | 5,248 |
| Total risk-based capital ratio | 14.1677% | 5,218 |
| Memoranda: | ||
| Average total assets | $3,981,060,670 | 208 |
| Average earning assets | $3,772,473,670 | 194 |
| Average equity | $248,373,330 | 314 |
| Average total loans | $2,078,944,670 | 235 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 6,023 |
| Cost of funding earning assets | 1.4166% | 402 |
| Net interest margin | 2.4813% | 6,966 |
| Noninterest income to average assets | 0.6036% | 3,211 |
| Noninterest expense to average assets | 2.8536% | 3,811 |
| Loan and lease loss provision to assets | 0.1938% | 3,006 |
| Net operating income to assets | -0.0698% | 6,504 |
| Return on assets (ROA) | 0.0523% | 6,444 |
| Pretax return on assets | 0.0989% | 6,385 |
| Return on Equity (ROE) | 0.9917% | 6,349 |
| Retained earnings to average equity (ytd only) | 0.9917% | 5,676 |
| Net charge-offs to loans | 0.5379% | 1,740 |
| Credit loss provision to net charge-offs | 68.7786% | 2,941 |
| Earnings coverage of net charge-offs (x) | 0.3608% | 4,182 |
| Efficiency ratio | 96.3984% | 699 |
| Assets per employee ($millions) | 8.6472% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,843 |
| Loan loss allowance to noncurrent loans | 44.9787% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.7079% | 2,178 |
| Noncurrent loans to loans | 4.9389% | 1,142 |
| Net loans and leases to total assets | 51.9743% | 5,031 |
| Net loans and leases to deposits | 78.5138% | 2,416 |
| Net loans and leases to core deposits | 85.3976% | 2,359 |
| Total domestic deposits to total assets | 66.1977% | 7,105 |
| Equity capital to assets | 5.5156% | 7,107 |
| Core capital (leverage) ratio | 5.7970% | 7,058 |
| Tier 1 risk-based capital ratio | 9.0632% | 7,018 |
| Total risk-based capital ratio | 10.3234% | 7,025 |
| Memoranda: | ||
| Average total assets | $4,032,374,500 | 203 |
| Average earning assets | $3,821,677,500 | 189 |
| Average equity | $212,560,000 | 342 |
| Average total loans | $2,112,616,500 | 231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 6,873 |
| Cost of funding earning assets | 1.5121% | 679 |
| Net interest margin | 2.1639% | 7,189 |
| Noninterest income to average assets | 0.6949% | 2,630 |
| Noninterest expense to average assets | 2.6337% | 4,978 |
| Loan and lease loss provision to assets | 0.7963% | 1,242 |
| Net operating income to assets | -0.4855% | 6,479 |
| Return on assets (ROA) | -0.2782% | 6,383 |
| Pretax return on assets | -0.3895% | 6,414 |
| Return on Equity (ROE) | -5.3267% | 6,549 |
| Retained earnings to average equity (ytd only) | -5.3267% | 6,473 |
| Net charge-offs to loans | 1.2640% | 1,313 |
| Credit loss provision to net charge-offs | 126.0511% | 2,475 |
| Earnings coverage of net charge-offs (x) | 0.1816% | 5,698 |
| Efficiency ratio | 95.6659% | 837 |
| Assets per employee ($millions) | 9.4871% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 1,834 |
| Loan loss allowance to noncurrent loans | 41.8148% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 2.7080% | 2,246 |
| Noncurrent loans to loans | 5.2156% | 1,047 |
| Net loans and leases to total assets | 50.5492% | 5,521 |
| Net loans and leases to deposits | 79.2852% | 2,645 |
| Net loans and leases to core deposits | 87.1258% | 2,486 |
| Total domestic deposits to total assets | 63.7562% | 7,178 |
| Equity capital to assets | 5.0426% | 7,164 |
| Core capital (leverage) ratio | 5.6180% | 7,086 |
| Tier 1 risk-based capital ratio | 8.9288% | 7,043 |
| Total risk-based capital ratio | 10.1891% | 7,047 |
| Memoranda: | ||
| Average total assets | $4,393,990,800 | 185 |
| Average earning assets | $4,169,857,200 | 178 |
| Average equity | $229,485,400 | 315 |
| Average total loans | $2,195,998,400 | 217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4655% | 7,100 |
| Cost of funding earning assets | 1.5253% | 781 |
| Net interest margin | 1.9402% | 7,310 |
| Noninterest income to average assets | 0.9320% | 1,543 |
| Noninterest expense to average assets | 2.5357% | 5,334 |
| Loan and lease loss provision to assets | 0.3874% | 2,534 |
| Net operating income to assets | -0.1014% | 6,286 |
| Return on assets (ROA) | 0.1089% | 6,058 |
| Pretax return on assets | 0.1789% | 5,931 |
| Return on Equity (ROE) | 2.0686% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.0686% | 5,103 |
| Net charge-offs to loans | 0.8849% | 1,804 |
| Credit loss provision to net charge-offs | 88.3116% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.5416% | 5,226 |
| Efficiency ratio | 91.2742% | 1,086 |
| Assets per employee ($millions) | 9.7910% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 3,235 |
| Loan loss allowance to noncurrent loans | 35.5435% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.3926% | 2,688 |
| Noncurrent loans to loans | 4.8145% | 1,335 |
| Net loans and leases to total assets | 48.1160% | 5,939 |
| Net loans and leases to deposits | 74.0047% | 3,652 |
| Net loans and leases to core deposits | 79.9665% | 3,641 |
| Total domestic deposits to total assets | 65.0175% | 7,232 |
| Equity capital to assets | 5.5568% | 7,223 |
| Core capital (leverage) ratio | 6.2499% | 7,106 |
| Tier 1 risk-based capital ratio | 11.1528% | 6,456 |
| Total risk-based capital ratio | 12.4055% | 6,441 |
| Memoranda: | ||
| Average total assets | $4,451,277,250 | 182 |
| Average earning assets | $4,224,535,500 | 174 |
| Average equity | $234,352,250 | 315 |
| Average total loans | $2,206,939,500 | 220 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3853% | 7,219 |
| Cost of funding earning assets | 1.5563% | 821 |
| Net interest margin | 1.8290% | 7,400 |
| Noninterest income to average assets | 0.9075% | 1,625 |
| Noninterest expense to average assets | 2.5128% | 5,482 |
| Loan and lease loss provision to assets | 0.3561% | 2,653 |
| Net operating income to assets | -0.2337% | 6,500 |
| Return on assets (ROA) | -0.0428% | 6,345 |
| Pretax return on assets | -0.0367% | 6,302 |
| Return on Equity (ROE) | -0.8282% | 6,388 |
| Retained earnings to average equity (ytd only) | -0.8282% | 6,025 |
| Net charge-offs to loans | 0.7143% | 2,084 |
| Credit loss provision to net charge-offs | 100.1255% | 3,104 |
| Earnings coverage of net charge-offs (x) | 0.3612% | 5,034 |
| Efficiency ratio | 94.9930% | 924 |
| Assets per employee ($millions) | 9.5683% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 3,203 |
| Loan loss allowance to noncurrent loans | 31.2428% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.8316% | 2,366 |
| Noncurrent loans to loans | 5.5560% | 1,131 |
| Net loans and leases to total assets | 49.3711% | 5,901 |
| Net loans and leases to deposits | 75.9065% | 3,493 |
| Net loans and leases to core deposits | 86.7165% | 2,795 |
| Total domestic deposits to total assets | 65.0420% | 7,286 |
| Equity capital to assets | 5.4623% | 7,292 |
| Core capital (leverage) ratio | 6.2089% | 7,169 |
| Tier 1 risk-based capital ratio | 11.1515% | 6,415 |
| Total risk-based capital ratio | 12.4090% | 6,404 |
| Memoranda: | ||
| Average total assets | $4,479,444,670 | 183 |
| Average earning assets | $4,246,212,330 | 175 |
| Average equity | $231,584,670 | 318 |
| Average total loans | $2,230,020,000 | 221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 7,300 |
| Cost of funding earning assets | 1.5735% | 905 |
| Net interest margin | 1.7613% | 7,461 |
| Noninterest income to average assets | 0.6092% | 3,100 |
| Noninterest expense to average assets | 2.6941% | 4,858 |
| Loan and lease loss provision to assets | 0.3803% | 2,285 |
| Net operating income to assets | -0.3876% | 6,731 |
| Return on assets (ROA) | -0.3260% | 6,692 |
| Pretax return on assets | -0.7006% | 6,874 |
| Return on Equity (ROE) | -6.4846% | 6,894 |
| Retained earnings to average equity (ytd only) | -6.4846% | 6,636 |
| Net charge-offs to loans | 0.9876% | 1,369 |
| Credit loss provision to net charge-offs | 77.6874% | 3,201 |
| Earnings coverage of net charge-offs (x) | -0.8513% | 4,875 |
| Efficiency ratio | 118.1299% | 368 |
| Assets per employee ($millions) | 9.2201% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,680 |
| Loan loss allowance to noncurrent loans | 29.5594% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 2.8483% | 2,420 |
| Noncurrent loans to loans | 5.4574% | 1,203 |
| Net loans and leases to total assets | 50.5430% | 5,776 |
| Net loans and leases to deposits | 76.7124% | 3,295 |
| Net loans and leases to core deposits | 89.3185% | 2,439 |
| Total domestic deposits to total assets | 65.8863% | 7,331 |
| Equity capital to assets | 5.1299% | 7,367 |
| Core capital (leverage) ratio | 6.0107% | 7,248 |
| Tier 1 risk-based capital ratio | 10.5878% | 6,755 |
| Total risk-based capital ratio | 11.8421% | 6,738 |
| Memoranda: | ||
| Average total assets | $4,523,252,500 | 182 |
| Average earning assets | $4,284,171,000 | 172 |
| Average equity | $227,429,500 | 318 |
| Average total loans | $2,241,732,000 | 219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5177% | 7,378 |
| Cost of funding earning assets | 1.7755% | 1,272 |
| Net interest margin | 1.7422% | 7,512 |
| Noninterest income to average assets | 1.7322% | 499 |
| Noninterest expense to average assets | 2.6667% | 5,143 |
| Loan and lease loss provision to assets | 0.8446% | 1,940 |
| Net operating income to assets | -0.1708% | 6,075 |
| Return on assets (ROA) | -0.0258% | 5,991 |
| Pretax return on assets | -0.0008% | 5,901 |
| Return on Equity (ROE) | -0.4869% | 6,014 |
| Retained earnings to average equity (ytd only) | -0.4869% | 5,704 |
| Net charge-offs to loans | 2.0759% | 966 |
| Credit loss provision to net charge-offs | 92.3128% | 5,023 |
| Earnings coverage of net charge-offs (x) | 0.7637% | 5,357 |
| Efficiency ratio | 79.1274% | 2,517 |
| Assets per employee ($millions) | 9.3937% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 3,022 |
| Loan loss allowance to noncurrent loans | 28.9039% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 2.9508% | 2,383 |
| Noncurrent loans to loans | 6.0599% | 1,027 |
| Net loans and leases to total assets | 46.9524% | 6,481 |
| Net loans and leases to deposits | 71.7888% | 4,555 |
| Net loans and leases to core deposits | 82.3918% | 3,841 |
| Total domestic deposits to total assets | 65.4035% | 7,407 |
| Equity capital to assets | 4.9284% | 7,437 |
| Core capital (leverage) ratio | 6.0407% | 7,292 |
| Tier 1 risk-based capital ratio | 11.0052% | 6,318 |
| Total risk-based capital ratio | 12.2625% | 6,288 |
| Memoranda: | ||
| Average total assets | $4,608,143,800 | 181 |
| Average earning assets | $4,319,872,200 | 173 |
| Average equity | $244,207,800 | 301 |
| Average total loans | $2,031,016,800 | 239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5785% | 7,504 |
| Cost of funding earning assets | 1.8151% | 1,359 |
| Net interest margin | 1.7634% | 7,631 |
| Noninterest income to average assets | 2.5298% | 273 |
| Noninterest expense to average assets | 2.6091% | 5,286 |
| Loan and lease loss provision to assets | 0.8421% | 1,804 |
| Net operating income to assets | 0.4208% | 4,657 |
| Return on assets (ROA) | 0.4572% | 4,691 |
| Pretax return on assets | 0.8341% | 3,787 |
| Return on Equity (ROE) | 8.4800% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.4800% | 1,245 |
| Net charge-offs to loans | 1.3917% | 1,459 |
| Credit loss provision to net charge-offs | 140.2183% | 2,835 |
| Earnings coverage of net charge-offs (x) | 2.6145% | 3,843 |
| Efficiency ratio | 62.3417% | 5,555 |
| Assets per employee ($millions) | 9.1370% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3990% | 1,476 |
| Loan loss allowance to noncurrent loans | 37.3179% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 3.0096% | 2,412 |
| Noncurrent loans to loans | 6.4287% | 933 |
| Net loans and leases to total assets | 45.1566% | 6,759 |
| Net loans and leases to deposits | 71.3090% | 4,942 |
| Net loans and leases to core deposits | 80.1343% | 4,498 |
| Total domestic deposits to total assets | 63.3252% | 7,536 |
| Equity capital to assets | 5.3995% | 7,541 |
| Core capital (leverage) ratio | 6.0244% | 7,431 |
| Tier 1 risk-based capital ratio | 11.1944% | 6,195 |
| Total risk-based capital ratio | 12.4603% | 6,175 |
| Memoranda: | ||
| Average total assets | $4,616,496,500 | 179 |
| Average earning assets | $4,318,165,000 | 169 |
| Average equity | $248,894,250 | 298 |
| Average total loans | $1,992,211,000 | 244 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 7,560 |
| Cost of funding earning assets | 1.8380% | 1,496 |
| Net interest margin | 1.8012% | 7,694 |
| Noninterest income to average assets | 2.9099% | 225 |
| Noninterest expense to average assets | 2.5049% | 5,706 |
| Loan and lease loss provision to assets | 0.6521% | 2,208 |
| Net operating income to assets | 0.8416% | 2,770 |
| Return on assets (ROA) | 0.9390% | 2,495 |
| Pretax return on assets | 1.6362% | 1,196 |
| Return on Equity (ROE) | 17.4258% | 526 |
| Retained earnings to average equity (ytd only) | 17.4258% | 140 |
| Net charge-offs to loans | 0.9460% | 1,946 |
| Credit loss provision to net charge-offs | 163.5326% | 2,413 |
| Earnings coverage of net charge-offs (x) | 5.2341% | 2,717 |
| Efficiency ratio | 54.4686% | 6,819 |
| Assets per employee ($millions) | 9.3336% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3929% | 1,438 |
| Loan loss allowance to noncurrent loans | 37.6079% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.9464% | 2,433 |
| Noncurrent loans to loans | 6.3629% | 961 |
| Net loans and leases to total assets | 42.4778% | 7,007 |
| Net loans and leases to deposits | 67.8673% | 5,573 |
| Net loans and leases to core deposits | 77.2345% | 5,057 |
| Total domestic deposits to total assets | 62.5894% | 7,614 |
| Equity capital to assets | 5.5328% | 7,589 |
| Core capital (leverage) ratio | 6.3207% | 7,425 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,635 |
| Total risk-based capital ratio | 12.9108% | 5,581 |
| Memoranda: | ||
| Average total assets | $4,656,861,000 | 177 |
| Average earning assets | $4,349,415,670 | 169 |
| Average equity | $250,949,670 | 297 |
| Average total loans | $1,962,992,000 | 249 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 7,605 |
| Cost of funding earning assets | 1.8748% | 1,553 |
| Net interest margin | 1.8897% | 7,759 |
| Noninterest income to average assets | 3.2081% | 199 |
| Noninterest expense to average assets | 2.2255% | 6,620 |
| Loan and lease loss provision to assets | 0.6627% | 1,914 |
| Net operating income to assets | 0.9522% | 2,353 |
| Return on assets (ROA) | 1.2306% | 1,539 |
| Pretax return on assets | 2.5623% | 231 |
| Return on Equity (ROE) | 23.1355% | 224 |
| Retained earnings to average equity (ytd only) | 23.1355% | 133 |
| Net charge-offs to loans | 1.3658% | 1,259 |
| Credit loss provision to net charge-offs | 116.9415% | 2,978 |
| Earnings coverage of net charge-offs (x) | 4.8376% | 2,534 |
| Efficiency ratio | 44.7332% | 7,597 |
| Assets per employee ($millions) | 9.2084% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,766 |
| Loan loss allowance to noncurrent loans | 47.4936% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1163% | 3,361 |
| Noncurrent loans to loans | 4.6211% | 1,609 |
| Net loans and leases to total assets | 40.8048% | 7,201 |
| Net loans and leases to deposits | 64.0788% | 6,046 |
| Net loans and leases to core deposits | 73.2823% | 5,581 |
| Total domestic deposits to total assets | 63.6791% | 7,681 |
| Equity capital to assets | 5.3240% | 7,689 |
| Core capital (leverage) ratio | 6.1071% | 7,563 |
| Tier 1 risk-based capital ratio | 11.6348% | 5,546 |
| Total risk-based capital ratio | 12.8969% | 5,493 |
| Memoranda: | ||
| Average total assets | $4,707,894,500 | 179 |
| Average earning assets | $4,382,081,500 | 173 |
| Average equity | $250,420,500 | 296 |
| Average total loans | $1,953,384,000 | 259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 7,581 |
| Cost of funding earning assets | 2.2162% | 1,961 |
| Net interest margin | 2.0374% | 7,724 |
| Noninterest income to average assets | 0.9233% | 1,857 |
| Noninterest expense to average assets | 2.5825% | 5,853 |
| Loan and lease loss provision to assets | 0.1239% | 6,401 |
| Net operating income to assets | 0.1866% | 4,937 |
| Return on assets (ROA) | 0.1502% | 5,119 |
| Pretax return on assets | 0.0670% | 5,284 |
| Return on Equity (ROE) | 3.0232% | 4,485 |
| Retained earnings to average equity (ytd only) | 3.0232% | 3,052 |
| Net charge-offs to loans | 0.2059% | 5,343 |
| Credit loss provision to net charge-offs | 132.5539% | 3,778 |
| Earnings coverage of net charge-offs (x) | 2.4321% | 3,908 |
| Efficiency ratio | 91.7799% | 1,582 |
| Assets per employee ($millions) | 9.4372% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 1,799 |
| Loan loss allowance to noncurrent loans | 48.3488% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 1.9907% | 3,413 |
| Noncurrent loans to loans | 4.3766% | 1,640 |
| Net loans and leases to total assets | 40.3943% | 7,331 |
| Net loans and leases to deposits | 62.7141% | 6,391 |
| Net loans and leases to core deposits | 74.3451% | 6,515 |
| Total domestic deposits to total assets | 64.4102% | 7,698 |
| Equity capital to assets | 5.3144% | 7,756 |
| Core capital (leverage) ratio | 6.2852% | 7,559 |
| Tier 1 risk-based capital ratio | 11.8938% | 5,032 |
| Total risk-based capital ratio | 13.1552% | 4,983 |
| Memoranda: | ||
| Average total assets | $4,666,807,800 | 182 |
| Average earning assets | $4,321,147,800 | 177 |
| Average equity | $231,805,800 | 310 |
| Average total loans | $2,118,040,000 | 249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 7,626 |
| Cost of funding earning assets | 2.2807% | 2,063 |
| Net interest margin | 2.1005% | 7,766 |
| Noninterest income to average assets | 0.9679% | 1,712 |
| Noninterest expense to average assets | 2.4119% | 6,384 |
| Loan and lease loss provision to assets | 1.3301% | 1,454 |
| Net operating income to assets | -0.5165% | 6,446 |
| Return on assets (ROA) | -0.6346% | 6,564 |
| Pretax return on assets | -0.9680% | 6,657 |
| Return on Equity (ROE) | -13.0079% | 7,075 |
| Retained earnings to average equity (ytd only) | -13.0079% | 7,009 |
| Net charge-offs to loans | 2.8963% | 599 |
| Credit loss provision to net charge-offs | 98.8923% | 5,175 |
| Earnings coverage of net charge-offs (x) | 0.3700% | 5,655 |
| Efficiency ratio | 82.7704% | 2,463 |
| Assets per employee ($millions) | 9.1164% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 1,904 |
| Loan loss allowance to noncurrent loans | 54.4695% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.5726% | 3,997 |
| Noncurrent loans to loans | 3.5864% | 2,082 |
| Net loans and leases to total assets | 41.6010% | 7,387 |
| Net loans and leases to deposits | 66.1553% | 6,298 |
| Net loans and leases to core deposits | 72.5384% | 6,810 |
| Total domestic deposits to total assets | 62.8838% | 7,802 |
| Equity capital to assets | 4.7685% | 7,967 |
| Core capital (leverage) ratio | 5.2350% | 7,906 |
| Tier 1 risk-based capital ratio | 9.6716% | 7,263 |
| Total risk-based capital ratio | 10.9313% | 7,208 |
| Memoranda: | ||
| Average total assets | $4,644,426,500 | 190 |
| Average earning assets | $4,293,025,000 | 185 |
| Average equity | $226,564,750 | 322 |
| Average total loans | $2,156,845,000 | 256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 7,582 |
| Cost of funding earning assets | 2.3209% | 2,271 |
| Net interest margin | 2.2323% | 7,731 |
| Noninterest income to average assets | 0.9830% | 1,652 |
| Noninterest expense to average assets | 2.4525% | 6,289 |
| Loan and lease loss provision to assets | 1.3318% | 1,298 |
| Net operating income to assets | -0.4878% | 6,533 |
| Return on assets (ROA) | -0.6538% | 6,717 |
| Pretax return on assets | -0.9503% | 6,780 |
| Return on Equity (ROE) | -13.2997% | 7,241 |
| Retained earnings to average equity (ytd only) | -13.2997% | 7,135 |
| Net charge-offs to loans | 2.9166% | 561 |
| Credit loss provision to net charge-offs | 95.4745% | 4,757 |
| Earnings coverage of net charge-offs (x) | 0.4212% | 5,273 |
| Efficiency ratio | 80.5509% | 2,957 |
| Assets per employee ($millions) | 9.0256% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 1,950 |
| Loan loss allowance to noncurrent loans | 56.4195% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.4941% | 3,994 |
| Noncurrent loans to loans | 3.2562% | 2,180 |
| Net loans and leases to total assets | 44.1010% | 7,318 |
| Net loans and leases to deposits | 73.0795% | 5,597 |
| Net loans and leases to core deposits | 80.9264% | 6,328 |
| Total domestic deposits to total assets | 60.3465% | 7,925 |
| Equity capital to assets | 4.8053% | 8,050 |
| Core capital (leverage) ratio | 5.4405% | 7,991 |
| Tier 1 risk-based capital ratio | 9.5949% | 7,316 |
| Total risk-based capital ratio | 10.8561% | 7,262 |
| Memoranda: | ||
| Average total assets | $4,600,244,000 | 197 |
| Average earning assets | $4,239,113,330 | 192 |
| Average equity | $226,156,000 | 327 |
| Average total loans | $2,200,172,670 | 260 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 7,535 |
| Cost of funding earning assets | 2.3362% | 2,553 |
| Net interest margin | 2.3436% | 7,675 |
| Noninterest income to average assets | 1.0124% | 1,447 |
| Noninterest expense to average assets | 2.3676% | 6,309 |
| Loan and lease loss provision to assets | 0.3545% | 3,192 |
| Net operating income to assets | 0.3200% | 5,214 |
| Return on assets (ROA) | 0.2311% | 5,721 |
| Pretax return on assets | 0.3651% | 5,499 |
| Return on Equity (ROE) | 4.6461% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.6461% | 3,338 |
| Net charge-offs to loans | 2.0160% | 716 |
| Credit loss provision to net charge-offs | 35.6575% | 4,878 |
| Earnings coverage of net charge-offs (x) | 0.8133% | 4,376 |
| Efficiency ratio | 74.4219% | 3,748 |
| Assets per employee ($millions) | 9.0917% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 3,093 |
| Loan loss allowance to noncurrent loans | 53.0215% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 3,898 |
| Noncurrent loans to loans | 2.7893% | 2,351 |
| Net loans and leases to total assets | 47.0652% | 7,102 |
| Net loans and leases to deposits | 78.8119% | 4,798 |
| Net loans and leases to core deposits | 89.7988% | 5,573 |
| Total domestic deposits to total assets | 59.7185% | 7,972 |
| Equity capital to assets | 4.9261% | 8,121 |
| Core capital (leverage) ratio | 5.8685% | 8,026 |
| Tier 1 risk-based capital ratio | 9.9500% | 6,985 |
| Total risk-based capital ratio | 11.2051% | 6,877 |
| Memoranda: | ||
| Average total assets | $4,558,211,000 | 196 |
| Average earning assets | $4,208,594,000 | 194 |
| Average equity | $226,686,500 | 328 |
| Average total loans | $2,248,015,000 | 257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3534% | 7,530 |
| Cost of funding earning assets | 2.6127% | 3,622 |
| Net interest margin | 2.7407% | 7,428 |
| Noninterest income to average assets | 0.9327% | 1,844 |
| Noninterest expense to average assets | 2.3952% | 6,408 |
| Loan and lease loss provision to assets | 1.1744% | 1,232 |
| Net operating income to assets | 0.0055% | 6,354 |
| Return on assets (ROA) | -0.2715% | 6,549 |
| Pretax return on assets | -0.5095% | 6,661 |
| Return on Equity (ROE) | -5.3031% | 6,891 |
| Retained earnings to average equity (ytd only) | -13.0865% | 7,341 |
| Net charge-offs to loans | 2.3235% | 444 |
| Credit loss provision to net charge-offs | 103.4469% | 5,171 |
| Earnings coverage of net charge-offs (x) | 0.9669% | 5,647 |
| Efficiency ratio | 68.5751% | 4,618 |
| Assets per employee ($millions) | 8.9590% | 350 |
| Cash dividends to net income (ytd only)* | -146.7700% | 8,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 1,733 |
| Loan loss allowance to noncurrent loans | 88.1530% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 4,160 |
| Noncurrent loans to loans | 1.9988% | 2,765 |
| Net loans and leases to total assets | 50.0274% | 7,032 |
| Net loans and leases to deposits | 84.7416% | 4,304 |
| Net loans and leases to core deposits | 98.6984% | 4,965 |
| Total domestic deposits to total assets | 59.0352% | 7,991 |
| Equity capital to assets | 5.0220% | 8,185 |
| Core capital (leverage) ratio | 6.1553% | 8,033 |
| Tier 1 risk-based capital ratio | 10.2556% | 6,463 |
| Total risk-based capital ratio | 11.5089% | 6,329 |
| Memoranda: | ||
| Average total assets | $4,561,724,600 | 193 |
| Average earning assets | $4,261,164,200 | 186 |
| Average equity | $233,523,000 | 325 |
| Average total loans | $2,228,798,400 | 252 |