Home > Amerant Bank > Performance and Condition Ratios
Amerant Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3483% | 406 |
| Cost of funding earning assets | 2.4620% | 400 |
| Net interest margin | 3.8863% | 1,400 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.7655% | 1,589 |
| Loan and lease loss provision to assets | 0.6500% | 123 |
| Net operating income to assets | 0.5538% | 3,556 |
| Return on assets (ROA) | 0.4814% | 3,706 |
| Pretax return on assets | 0.6376% | 3,570 |
| Return on Equity (ROE) | 5.6700% | 3,590 |
| Retained earnings to average equity (ytd only) | 3.1689% | 3,222 |
| Net charge-offs to loans | 0.6755% | 148 |
| Credit loss provision to net charge-offs | 124.9185% | 1,632 |
| Earnings coverage of net charge-offs (x) | 2.7139% | 2,679 |
| Efficiency ratio | 66.1059% | 2,342 |
| Assets per employee ($millions) | 14.2140% | 246 |
| Cash dividends to net income (ytd only)* | 44.1014% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,702 |
| Loan loss allowance to noncurrent loans | 277.6118% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 995 |
| Noncurrent loans to loans | 0.4735% | 1,600 |
| Net loans and leases to total assets | 73.9600% | 1,371 |
| Net loans and leases to deposits | 90.2823% | 1,240 |
| Net loans and leases to core deposits | 110.1078% | 963 |
| Total domestic deposits to total assets | 81.9200% | 3,140 |
| Equity capital to assets | 8.3548% | 3,156 |
| Core capital (leverage) ratio | 9.0255% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9591% | 2,595 |
| Memoranda: | ||
| Average total assets | $9,421,274,000 | 168 |
| Average earning assets | $8,639,705,200 | 164 |
| Average equity | $799,958,200 | 193 |
| Average total loans | $7,131,826,600 | 159 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2579% | 384 |
| Cost of funding earning assets | 2.3478% | 365 |
| Net interest margin | 3.9101% | 1,378 |
| Noninterest income to average assets | 1.0400% | 608 |
| Noninterest expense to average assets | 2.6921% | 1,686 |
| Loan and lease loss provision to assets | 0.7000% | 102 |
| Net operating income to assets | 0.9687% | 2,454 |
| Return on assets (ROA) | 0.8594% | 2,814 |
| Pretax return on assets | 1.0912% | 2,590 |
| Return on Equity (ROE) | 10.0800% | 2,612 |
| Retained earnings to average equity (ytd only) | 10.0799% | 1,378 |
| Net charge-offs to loans | 0.6180% | 145 |
| Credit loss provision to net charge-offs | 146.4168% | 1,342 |
| Earnings coverage of net charge-offs (x) | 4.1199% | 2,413 |
| Efficiency ratio | 58.2048% | 3,180 |
| Assets per employee ($millions) | 13.3277% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,517 |
| Loan loss allowance to noncurrent loans | 297.5538% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 1,024 |
| Noncurrent loans to loans | 0.4647% | 1,660 |
| Net loans and leases to total assets | 75.5000% | 1,175 |
| Net loans and leases to deposits | 92.6901% | 1,002 |
| Net loans and leases to core deposits | 114.2841% | 718 |
| Total domestic deposits to total assets | 81.4600% | 3,315 |
| Equity capital to assets | 8.6919% | 2,602 |
| Core capital (leverage) ratio | 9.3717% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7146% | 2,380 |
| Memoranda: | ||
| Average total assets | $9,353,112,500 | 170 |
| Average earning assets | $8,584,799,000 | 165 |
| Average equity | $797,471,000 | 193 |
| Average total loans | $7,098,555,250 | 159 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1230% | 387 |
| Cost of funding earning assets | 2.1541% | 369 |
| Net interest margin | 3.9689% | 1,297 |
| Noninterest income to average assets | 1.1800% | 453 |
| Noninterest expense to average assets | 2.7895% | 1,438 |
| Loan and lease loss provision to assets | 0.8800% | 81 |
| Net operating income to assets | 0.9261% | 2,666 |
| Return on assets (ROA) | 0.7553% | 3,225 |
| Pretax return on assets | 0.9488% | 3,052 |
| Return on Equity (ROE) | 8.9200% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.9158% | 1,709 |
| Net charge-offs to loans | 0.5173% | 160 |
| Credit loss provision to net charge-offs | 222.5697% | 999 |
| Earnings coverage of net charge-offs (x) | 5.2256% | 2,180 |
| Efficiency ratio | 57.6858% | 3,226 |
| Assets per employee ($millions) | 13.3849% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,284 |
| Loan loss allowance to noncurrent loans | 224.5068% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 739 |
| Noncurrent loans to loans | 0.6539% | 1,145 |
| Net loans and leases to total assets | 74.8300% | 1,189 |
| Net loans and leases to deposits | 93.0841% | 943 |
| Net loans and leases to core deposits | 112.6030% | 727 |
| Total domestic deposits to total assets | 80.3800% | 3,518 |
| Equity capital to assets | 8.4548% | 2,898 |
| Core capital (leverage) ratio | 9.1463% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2968% | 2,537 |
| Memoranda: | ||
| Average total assets | $9,361,015,333 | 164 |
| Average earning assets | $8,609,305,333 | 161 |
| Average equity | $792,995,000 | 190 |
| Average total loans | $7,083,875,000 | 155 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8568% | 387 |
| Cost of funding earning assets | 1.8923% | 372 |
| Net interest margin | 3.9645% | 1,340 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 2.7258% | 1,602 |
| Loan and lease loss provision to assets | 0.5200% | 143 |
| Net operating income to assets | 1.3260% | 1,601 |
| Return on assets (ROA) | 1.0125% | 2,461 |
| Pretax return on assets | 1.2725% | 2,249 |
| Return on Equity (ROE) | 11.9400% | 2,230 |
| Retained earnings to average equity (ytd only) | 11.9409% | 1,280 |
| Net charge-offs to loans | 0.6178% | 128 |
| Credit loss provision to net charge-offs | 107.9435% | 1,073 |
| Earnings coverage of net charge-offs (x) | 4.6898% | 1,848 |
| Efficiency ratio | 55.4552% | 3,461 |
| Assets per employee ($millions) | 13.1277% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,636 |
| Loan loss allowance to noncurrent loans | 380.4329% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 1,144 |
| Noncurrent loans to loans | 0.3117% | 2,029 |
| Net loans and leases to total assets | 74.1800% | 1,182 |
| Net loans and leases to deposits | 95.5980% | 674 |
| Net loans and leases to core deposits | 115.6075% | 548 |
| Total domestic deposits to total assets | 77.5800% | 4,044 |
| Equity capital to assets | 8.4725% | 2,917 |
| Core capital (leverage) ratio | 9.1898% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1479% | 2,681 |
| Memoranda: | ||
| Average total assets | $9,289,882,500 | 173 |
| Average earning assets | $8,544,186,500 | 167 |
| Average equity | $787,748,500 | 197 |
| Average total loans | $7,017,333,500 | 162 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 776 |
| Cost of funding earning assets | 0.8469% | 328 |
| Net interest margin | 3.6147% | 1,604 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.8279% | 1,261 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.9123% | 2,906 |
| Return on assets (ROA) | 0.9052% | 2,877 |
| Pretax return on assets | 1.1436% | 2,628 |
| Return on Equity (ROE) | 9.2800% | 3,038 |
| Retained earnings to average equity (ytd only) | -4.8593% | 4,570 |
| Net charge-offs to loans | 0.3112% | 244 |
| Credit loss provision to net charge-offs | 73.3253% | 1,713 |
| Earnings coverage of net charge-offs (x) | 5.7624% | 2,360 |
| Efficiency ratio | 68.0732% | 1,955 |
| Assets per employee ($millions) | 13.1526% | 295 |
| Cash dividends to net income (ytd only)* | 152.3433% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,353 |
| Loan loss allowance to noncurrent loans | 222.0804% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 1,245 |
| Noncurrent loans to loans | 0.5434% | 1,358 |
| Net loans and leases to total assets | 75.1100% | 1,119 |
| Net loans and leases to deposits | 96.1595% | 628 |
| Net loans and leases to core deposits | 114.0623% | 489 |
| Total domestic deposits to total assets | 78.0500% | 4,085 |
| Equity capital to assets | 8.4871% | 2,711 |
| Core capital (leverage) ratio | 9.2682% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1034% | 2,702 |
| Memoranda: | ||
| Average total assets | $8,267,022,200 | 183 |
| Average earning assets | $7,592,610,600 | 180 |
| Average equity | $806,062,800 | 192 |
| Average total loans | $6,111,818,400 | 167 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 1,143 |
| Cost of funding earning assets | 0.6375% | 358 |
| Net interest margin | 3.4233% | 1,904 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.8670% | 1,112 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 0.8482% | 3,075 |
| Return on assets (ROA) | 0.8688% | 2,976 |
| Pretax return on assets | 1.1014% | 2,719 |
| Return on Equity (ROE) | 8.6000% | 3,144 |
| Retained earnings to average equity (ytd only) | -10.0661% | 4,676 |
| Net charge-offs to loans | 0.2073% | 320 |
| Credit loss provision to net charge-offs | -76.1863% | 4,638 |
| Earnings coverage of net charge-offs (x) | 6.3455% | 2,115 |
| Efficiency ratio | 74.8118% | 1,196 |
| Assets per employee ($millions) | 12.7961% | 317 |
| Cash dividends to net income (ytd only)* | 217.1015% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 4,031 |
| Loan loss allowance to noncurrent loans | 286.6115% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 1,803 |
| Noncurrent loans to loans | 0.2882% | 2,212 |
| Net loans and leases to total assets | 74.0100% | 1,093 |
| Net loans and leases to deposits | 96.8430% | 503 |
| Net loans and leases to core deposits | 111.3208% | 429 |
| Total domestic deposits to total assets | 76.3600% | 4,351 |
| Equity capital to assets | 8.6742% | 2,424 |
| Core capital (leverage) ratio | 9.8828% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1053% | 2,786 |
| Memoranda: | ||
| Average total assets | $8,058,380,750 | 184 |
| Average earning assets | $7,400,060,000 | 182 |
| Average equity | $814,463,000 | 187 |
| Average total loans | $5,909,865,000 | 167 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 1,358 |
| Cost of funding earning assets | 0.5019% | 510 |
| Net interest margin | 3.2750% | 1,980 |
| Noninterest income to average assets | 0.6882% | 1,393 |
| Noninterest expense to average assets | 3.0164% | 821 |
| Loan and lease loss provision to assets | -0.2551% | 4,711 |
| Net operating income to assets | 0.7425% | 3,167 |
| Return on assets (ROA) | 0.7728% | 3,018 |
| Pretax return on assets | 0.9716% | 2,823 |
| Return on Equity (ROE) | 7.2643% | 3,230 |
| Retained earnings to average equity (ytd only) | -20.0741% | 4,726 |
| Net charge-offs to loans | 0.2756% | 248 |
| Credit loss provision to net charge-offs | -127.0325% | 3,146 |
| Earnings coverage of net charge-offs (x) | 3.4157% | 1,999 |
| Efficiency ratio | 81.4597% | 839 |
| Assets per employee ($millions) | 11.9518% | 387 |
| Cash dividends to net income (ytd only)* | 376.3370% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 3,979 |
| Loan loss allowance to noncurrent loans | 206.8421% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 1,445 |
| Noncurrent loans to loans | 0.4302% | 1,833 |
| Net loans and leases to total assets | 71.3079% | 1,176 |
| Net loans and leases to deposits | 92.2846% | 593 |
| Net loans and leases to core deposits | 104.0833% | 510 |
| Total domestic deposits to total assets | 77.2026% | 4,402 |
| Equity capital to assets | 9.4421% | 2,065 |
| Core capital (leverage) ratio | 10.2328% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7301% | 2,594 |
| Memoranda: | ||
| Average total assets | $7,839,802,667 | 186 |
| Average earning assets | $7,215,491,667 | 188 |
| Average equity | $833,991,667 | 186 |
| Average total loans | $5,712,033,667 | 166 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 1,336 |
| Cost of funding earning assets | 0.4411% | 688 |
| Net interest margin | 3.2300% | 1,785 |
| Noninterest income to average assets | 0.7236% | 1,235 |
| Noninterest expense to average assets | 3.1152% | 681 |
| Loan and lease loss provision to assets | -0.5197% | 4,762 |
| Net operating income to assets | 0.8750% | 2,389 |
| Return on assets (ROA) | 0.9329% | 2,138 |
| Pretax return on assets | 1.1634% | 1,939 |
| Return on Equity (ROE) | 8.2781% | 2,589 |
| Retained earnings to average equity (ytd only) | -28.6181% | 4,743 |
| Net charge-offs to loans | 0.2727% | 233 |
| Credit loss provision to net charge-offs | -259.8753% | 3,022 |
| Earnings coverage of net charge-offs (x) | 2.9262% | 1,687 |
| Efficiency ratio | 84.1707% | 835 |
| Assets per employee ($millions) | 11.4770% | 450 |
| Cash dividends to net income (ytd only)* | 445.7073% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,803 |
| Loan loss allowance to noncurrent loans | 119.3387% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 770 |
| Noncurrent loans to loans | 0.8209% | 1,152 |
| Net loans and leases to total assets | 72.9109% | 749 |
| Net loans and leases to deposits | 98.4870% | 215 |
| Net loans and leases to core deposits | 112.3276% | 218 |
| Total domestic deposits to total assets | 73.9608% | 4,573 |
| Equity capital to assets | 10.5070% | 1,589 |
| Core capital (leverage) ratio | 10.7494% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4569% | 2,424 |
| Memoranda: | ||
| Average total assets | $7,696,090,500 | 191 |
| Average earning assets | $7,092,776,500 | 188 |
| Average equity | $867,298,500 | 186 |
| Average total loans | $5,644,358,500 | 169 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 2,621 |
| Cost of funding earning assets | 0.5194% | 851 |
| Net interest margin | 2.9943% | 3,205 |
| Noninterest income to average assets | 1.5462% | 473 |
| Noninterest expense to average assets | 2.5293% | 2,093 |
| Loan and lease loss provision to assets | -0.2163% | 4,720 |
| Net operating income to assets | 1.5304% | 956 |
| Return on assets (ROA) | 1.6027% | 835 |
| Pretax return on assets | 2.0841% | 513 |
| Return on Equity (ROE) | 14.0521% | 1,172 |
| Retained earnings to average equity (ytd only) | 10.6041% | 782 |
| Net charge-offs to loans | 0.4336% | 191 |
| Credit loss provision to net charge-offs | -67.3387% | 3,294 |
| Earnings coverage of net charge-offs (x) | 5.5585% | 2,440 |
| Efficiency ratio | 58.5698% | 3,354 |
| Assets per employee ($millions) | 9.9898% | 667 |
| Cash dividends to net income (ytd only)* | 24.5373% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,599 |
| Loan loss allowance to noncurrent loans | 140.4130% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 778 |
| Noncurrent loans to loans | 0.8941% | 1,132 |
| Net loans and leases to total assets | 72.1262% | 836 |
| Net loans and leases to deposits | 97.1491% | 275 |
| Net loans and leases to core deposits | 113.3982% | 233 |
| Total domestic deposits to total assets | 74.1711% | 4,579 |
| Equity capital to assets | 12.0465% | 1,231 |
| Core capital (leverage) ratio | 11.8384% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9437% | 1,865 |
| Memoranda: | ||
| Average total assets | $7,628,552,800 | 193 |
| Average earning assets | $7,053,503,000 | 191 |
| Average equity | $870,070,200 | 186 |
| Average total loans | $5,650,437,400 | 173 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 2,949 |
| Cost of funding earning assets | 0.5478% | 844 |
| Net interest margin | 2.9067% | 3,538 |
| Noninterest income to average assets | 0.7146% | 1,774 |
| Noninterest expense to average assets | 2.4495% | 2,275 |
| Loan and lease loss provision to assets | -0.1747% | 4,720 |
| Net operating income to assets | 0.8702% | 3,324 |
| Return on assets (ROA) | 0.9479% | 3,168 |
| Pretax return on assets | 1.2208% | 2,866 |
| Return on Equity (ROE) | 8.4293% | 3,275 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,653 |
| Net charge-offs to loans | 0.4105% | 187 |
| Credit loss provision to net charge-offs | -57.2738% | 3,154 |
| Earnings coverage of net charge-offs (x) | 3.1282% | 2,326 |
| Efficiency ratio | 71.8904% | 1,415 |
| Assets per employee ($millions) | 10.2022% | 605 |
| Cash dividends to net income (ytd only)* | 55.3036% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,543 |
| Loan loss allowance to noncurrent loans | 100.8375% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 467 |
| Noncurrent loans to loans | 1.5103% | 693 |
| Net loans and leases to total assets | 72.1494% | 862 |
| Net loans and leases to deposits | 94.6649% | 395 |
| Net loans and leases to core deposits | 112.1519% | 284 |
| Total domestic deposits to total assets | 76.0863% | 4,533 |
| Equity capital to assets | 11.4615% | 1,706 |
| Core capital (leverage) ratio | 10.9619% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2543% | 2,275 |
| Memoranda: | ||
| Average total assets | $7,630,127,500 | 192 |
| Average earning assets | $7,059,522,500 | 188 |
| Average equity | $858,034,750 | 186 |
| Average total loans | $5,671,161,750 | 177 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 3,128 |
| Cost of funding earning assets | 0.5887% | 785 |
| Net interest margin | 2.8287% | 3,727 |
| Noninterest income to average assets | 0.7293% | 1,722 |
| Noninterest expense to average assets | 2.4426% | 2,334 |
| Loan and lease loss provision to assets | -0.1302% | 4,682 |
| Net operating income to assets | 0.8050% | 3,500 |
| Return on assets (ROA) | 0.9054% | 3,280 |
| Pretax return on assets | 1.1569% | 3,038 |
| Return on Equity (ROE) | 8.1014% | 3,382 |
| Retained earnings to average equity (ytd only) | 8.1014% | 2,041 |
| Net charge-offs to loans | 0.0599% | 1,017 |
| Credit loss provision to net charge-offs | -291.2056% | 3,308 |
| Earnings coverage of net charge-offs (x) | 20.2493% | 1,529 |
| Efficiency ratio | 72.8872% | 1,343 |
| Assets per employee ($millions) | 10.4027% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 796 |
| Loan loss allowance to noncurrent loans | 86.0187% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 328 |
| Noncurrent loans to loans | 2.1595% | 421 |
| Net loans and leases to total assets | 73.1853% | 839 |
| Net loans and leases to deposits | 96.2346% | 376 |
| Net loans and leases to core deposits | 117.9428% | 240 |
| Total domestic deposits to total assets | 75.9204% | 4,563 |
| Equity capital to assets | 11.5614% | 1,594 |
| Core capital (leverage) ratio | 10.8758% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3170% | 2,244 |
| Memoranda: | ||
| Average total assets | $7,680,768,667 | 191 |
| Average earning assets | $7,110,461,000 | 187 |
| Average equity | $858,341,667 | 186 |
| Average total loans | $5,735,241,000 | 175 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3569% | 3,322 |
| Cost of funding earning assets | 0.6259% | 774 |
| Net interest margin | 2.7310% | 3,898 |
| Noninterest income to average assets | 0.5849% | 2,273 |
| Noninterest expense to average assets | 2.1775% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7521% | 3,569 |
| Return on assets (ROA) | 0.8675% | 3,300 |
| Pretax return on assets | 1.0820% | 3,158 |
| Return on Equity (ROE) | 7.9709% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.9709% | 2,248 |
| Net charge-offs to loans | -0.0026% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7698% | 1,734 |
| Assets per employee ($millions) | 10.5903% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 704 |
| Loan loss allowance to noncurrent loans | 123.9235% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 648 |
| Noncurrent loans to loans | 1.5556% | 793 |
| Net loans and leases to total assets | 72.9040% | 909 |
| Net loans and leases to deposits | 98.4235% | 333 |
| Net loans and leases to core deposits | 122.6811% | 219 |
| Total domestic deposits to total assets | 73.9471% | 4,676 |
| Equity capital to assets | 10.9330% | 1,912 |
| Core capital (leverage) ratio | 10.5489% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1339% | 2,234 |
| Memoranda: | ||
| Average total assets | $7,751,357,500 | 187 |
| Average earning assets | $7,188,324,000 | 184 |
| Average equity | $843,622,500 | 187 |
| Average total loans | $5,798,587,500 | 176 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5063% | 4,023 |
| Cost of funding earning assets | 0.8997% | 860 |
| Net interest margin | 2.6066% | 4,493 |
| Noninterest income to average assets | 0.5427% | 2,454 |
| Noninterest expense to average assets | 2.1489% | 3,828 |
| Loan and lease loss provision to assets | 1.1100% | 72 |
| Net operating income to assets | -0.2793% | 4,830 |
| Return on assets (ROA) | 0.0594% | 4,729 |
| Pretax return on assets | 0.0484% | 4,730 |
| Return on Equity (ROE) | 0.5702% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.5702% | 4,353 |
| Net charge-offs to loans | 0.5153% | 305 |
| Credit loss provision to net charge-offs | 295.9821% | 1,753 |
| Earnings coverage of net charge-offs (x) | 2.1857% | 3,187 |
| Efficiency ratio | 72.3113% | 1,644 |
| Assets per employee ($millions) | 10.8852% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 729 |
| Loan loss allowance to noncurrent loans | 126.4561% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 796 |
| Noncurrent loans to loans | 1.5011% | 888 |
| Net loans and leases to total assets | 73.8476% | 1,046 |
| Net loans and leases to deposits | 98.9675% | 416 |
| Net loans and leases to core deposits | 127.4810% | 219 |
| Total domestic deposits to total assets | 74.4941% | 4,611 |
| Equity capital to assets | 10.8343% | 2,399 |
| Core capital (leverage) ratio | 10.0676% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9088% | 2,278 |
| Memoranda: | ||
| Average total assets | $7,984,096,600 | 173 |
| Average earning assets | $7,430,660,200 | 171 |
| Average equity | $831,488,600 | 183 |
| Average total loans | $5,810,378,200 | 169 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 4,177 |
| Cost of funding earning assets | 0.9593% | 880 |
| Net interest margin | 2.5577% | 4,612 |
| Noninterest income to average assets | 0.5561% | 2,368 |
| Noninterest expense to average assets | 2.0173% | 4,114 |
| Loan and lease loss provision to assets | 1.4696% | 61 |
| Net operating income to assets | -0.4329% | 4,888 |
| Return on assets (ROA) | -0.0929% | 4,825 |
| Pretax return on assets | -0.1198% | 4,817 |
| Return on Equity (ROE) | -0.9005% | 4,830 |
| Retained earnings to average equity (ytd only) | -0.9005% | 4,606 |
| Net charge-offs to loans | 0.5520% | 271 |
| Credit loss provision to net charge-offs | 368.8811% | 1,548 |
| Earnings coverage of net charge-offs (x) | 2.3076% | 3,002 |
| Efficiency ratio | 68.6157% | 2,095 |
| Assets per employee ($millions) | 9.8753% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 519 |
| Loan loss allowance to noncurrent loans | 135.0837% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 976 |
| Noncurrent loans to loans | 1.4597% | 986 |
| Net loans and leases to total assets | 72.8767% | 1,524 |
| Net loans and leases to deposits | 96.8660% | 699 |
| Net loans and leases to core deposits | 122.9386% | 354 |
| Total domestic deposits to total assets | 75.0775% | 4,497 |
| Equity capital to assets | 10.4299% | 2,850 |
| Core capital (leverage) ratio | 9.7745% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6188% | 2,356 |
| Memoranda: | ||
| Average total assets | $8,039,828,250 | 171 |
| Average earning assets | $7,483,154,750 | 168 |
| Average equity | $829,144,500 | 182 |
| Average total loans | $5,802,388,500 | 167 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6077% | 4,252 |
| Cost of funding earning assets | 1.0297% | 899 |
| Net interest margin | 2.5780% | 4,675 |
| Noninterest income to average assets | 0.5663% | 2,271 |
| Noninterest expense to average assets | 1.9322% | 4,361 |
| Loan and lease loss provision to assets | 1.7516% | 64 |
| Net operating income to assets | -0.5636% | 4,923 |
| Return on assets (ROA) | -0.2235% | 4,865 |
| Pretax return on assets | -0.2858% | 4,863 |
| Return on Equity (ROE) | -2.1749% | 4,877 |
| Retained earnings to average equity (ytd only) | -2.1749% | 4,605 |
| Net charge-offs to loans | 0.1108% | 1,186 |
| Credit loss provision to net charge-offs | 2,213.0993% | 443 |
| Earnings coverage of net charge-offs (x) | 13.0809% | 2,016 |
| Efficiency ratio | 65.0343% | 2,656 |
| Assets per employee ($millions) | 9.8448% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 414 |
| Loan loss allowance to noncurrent loans | 154.8693% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 1,275 |
| Noncurrent loans to loans | 1.3157% | 1,173 |
| Net loans and leases to total assets | 70.8277% | 1,904 |
| Net loans and leases to deposits | 93.6407% | 995 |
| Net loans and leases to core deposits | 120.5832% | 409 |
| Total domestic deposits to total assets | 75.4829% | 4,476 |
| Equity capital to assets | 10.2235% | 2,985 |
| Core capital (leverage) ratio | 9.6417% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3916% | 2,447 |
| Memoranda: | ||
| Average total assets | $8,063,323,333 | 171 |
| Average earning assets | $7,510,161,667 | 165 |
| Average equity | $828,460,333 | 182 |
| Average total loans | $5,761,645,667 | 169 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 4,224 |
| Cost of funding earning assets | 1.1419% | 926 |
| Net interest margin | 2.6642% | 4,695 |
| Noninterest income to average assets | 0.5722% | 2,167 |
| Noninterest expense to average assets | 2.1370% | 4,146 |
| Loan and lease loss provision to assets | 1.0953% | 184 |
| Net operating income to assets | -0.1374% | 4,819 |
| Return on assets (ROA) | 0.2410% | 4,484 |
| Pretax return on assets | 0.3041% | 4,449 |
| Return on Equity (ROE) | 2.3395% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.3395% | 3,320 |
| Net charge-offs to loans | 0.0893% | 1,161 |
| Credit loss provision to net charge-offs | 1,726.8446% | 377 |
| Earnings coverage of net charge-offs (x) | 14.5110% | 1,595 |
| Efficiency ratio | 69.8204% | 2,385 |
| Assets per employee ($millions) | 9.8093% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,198 |
| Loan loss allowance to noncurrent loans | 218.4922% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,803 |
| Noncurrent loans to loans | 0.5890% | 2,532 |
| Net loans and leases to total assets | 69.1414% | 2,375 |
| Net loans and leases to deposits | 94.7698% | 1,012 |
| Net loans and leases to core deposits | 125.4442% | 342 |
| Total domestic deposits to total assets | 72.8026% | 4,737 |
| Equity capital to assets | 10.3776% | 3,447 |
| Core capital (leverage) ratio | 10.0328% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5628% | 2,455 |
| Memoranda: | ||
| Average total assets | $8,033,990,500 | 171 |
| Average earning assets | $7,494,429,000 | 163 |
| Average equity | $827,515,000 | 182 |
| Average total loans | $5,706,333,000 | 170 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 3,787 |
| Cost of funding earning assets | 1.2497% | 891 |
| Net interest margin | 2.9607% | 4,561 |
| Noninterest income to average assets | 0.6547% | 1,994 |
| Noninterest expense to average assets | 2.5026% | 3,445 |
| Loan and lease loss provision to assets | -0.0396% | 4,996 |
| Net operating income to assets | 0.7630% | 3,661 |
| Return on assets (ROA) | 0.7889% | 3,667 |
| Pretax return on assets | 0.9926% | 3,476 |
| Return on Equity (ROE) | 7.3931% | 3,409 |
| Retained earnings to average equity (ytd only) | -4.9843% | 4,982 |
| Net charge-offs to loans | 0.1103% | 1,627 |
| Credit loss provision to net charge-offs | -49.2958% | 4,161 |
| Earnings coverage of net charge-offs (x) | 11.4491% | 2,495 |
| Efficiency ratio | 73.0599% | 1,724 |
| Assets per employee ($millions) | 9.6204% | 394 |
| Cash dividends to net income (ytd only)* | 167.4187% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 3,919 |
| Loan loss allowance to noncurrent loans | 158.6024% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 2,740 |
| Noncurrent loans to loans | 0.5732% | 2,470 |
| Net loans and leases to total assets | 71.3716% | 2,192 |
| Net loans and leases to deposits | 97.0719% | 835 |
| Net loans and leases to core deposits | 127.9737% | 305 |
| Total domestic deposits to total assets | 73.3711% | 4,805 |
| Equity capital to assets | 10.2216% | 3,711 |
| Core capital (leverage) ratio | 10.0115% | 3,507 |
| Tier 1 risk-based capital ratio | 12.4584% | 4,099 |
| Total risk-based capital ratio | 13.3027% | 4,207 |
| Memoranda: | ||
| Average total assets | $7,950,171,000 | 163 |
| Average earning assets | $7,433,236,800 | 156 |
| Average equity | $848,317,400 | 176 |
| Average total loans | $5,795,076,800 | 160 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 3,761 |
| Cost of funding earning assets | 1.2586% | 886 |
| Net interest margin | 3.0083% | 4,611 |
| Noninterest income to average assets | 0.6162% | 2,123 |
| Noninterest expense to average assets | 2.5028% | 3,430 |
| Loan and lease loss provision to assets | -0.0478% | 5,121 |
| Net operating income to assets | 0.7698% | 3,774 |
| Return on assets (ROA) | 0.7951% | 3,765 |
| Pretax return on assets | 1.0064% | 3,579 |
| Return on Equity (ROE) | 7.3732% | 3,557 |
| Retained earnings to average equity (ytd only) | 3.4819% | 3,666 |
| Net charge-offs to loans | 0.1210% | 1,292 |
| Credit loss provision to net charge-offs | -54.0592% | 4,032 |
| Earnings coverage of net charge-offs (x) | 10.4723% | 2,496 |
| Efficiency ratio | 72.9261% | 1,710 |
| Assets per employee ($millions) | 9.3734% | 425 |
| Cash dividends to net income (ytd only)* | 52.7760% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 3,915 |
| Loan loss allowance to noncurrent loans | 163.4170% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 2,838 |
| Noncurrent loans to loans | 0.5705% | 2,587 |
| Net loans and leases to total assets | 72.5668% | 2,071 |
| Net loans and leases to deposits | 99.6427% | 666 |
| Net loans and leases to core deposits | 127.9963% | 331 |
| Total domestic deposits to total assets | 72.8271% | 4,878 |
| Equity capital to assets | 11.2664% | 2,865 |
| Core capital (leverage) ratio | 10.8330% | 2,806 |
| Tier 1 risk-based capital ratio | 13.5301% | 3,557 |
| Total risk-based capital ratio | 14.3657% | 3,695 |
| Memoranda: | ||
| Average total assets | $7,943,883,750 | 162 |
| Average earning assets | $7,428,825,500 | 156 |
| Average equity | $856,595,750 | 177 |
| Average total loans | $5,807,761,250 | 160 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 3,711 |
| Cost of funding earning assets | 1.2388% | 896 |
| Net interest margin | 3.0374% | 4,620 |
| Noninterest income to average assets | 0.6178% | 2,073 |
| Noninterest expense to average assets | 2.5008% | 3,477 |
| Loan and lease loss provision to assets | -0.0339% | 5,157 |
| Net operating income to assets | 0.7858% | 3,706 |
| Return on assets (ROA) | 0.8055% | 3,691 |
| Pretax return on assets | 1.0182% | 3,479 |
| Return on Equity (ROE) | 7.5820% | 3,463 |
| Retained earnings to average equity (ytd only) | 1.6798% | 4,217 |
| Net charge-offs to loans | 0.1033% | 1,356 |
| Credit loss provision to net charge-offs | -44.8803% | 3,821 |
| Earnings coverage of net charge-offs (x) | 12.7154% | 2,137 |
| Efficiency ratio | 72.2209% | 1,885 |
| Assets per employee ($millions) | 9.4348% | 403 |
| Cash dividends to net income (ytd only)* | 77.8452% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,698 |
| Loan loss allowance to noncurrent loans | 175.2794% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,855 |
| Noncurrent loans to loans | 0.5634% | 2,574 |
| Net loans and leases to total assets | 72.7074% | 2,115 |
| Net loans and leases to deposits | 97.9861% | 846 |
| Net loans and leases to core deposits | 126.3167% | 383 |
| Total domestic deposits to total assets | 74.2018% | 4,817 |
| Equity capital to assets | 10.8938% | 3,181 |
| Core capital (leverage) ratio | 10.6622% | 2,923 |
| Tier 1 risk-based capital ratio | 13.0352% | 3,822 |
| Total risk-based capital ratio | 13.8854% | 3,945 |
| Memoranda: | ||
| Average total assets | $7,973,537,670 | 162 |
| Average earning assets | $7,461,483,330 | 157 |
| Average equity | $847,139,670 | 180 |
| Average total loans | $5,825,778,670 | 161 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 3,597 |
| Cost of funding earning assets | 1.2180% | 852 |
| Net interest margin | 3.0702% | 4,638 |
| Noninterest income to average assets | 0.6161% | 1,965 |
| Noninterest expense to average assets | 2.4966% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7849% | 3,671 |
| Return on assets (ROA) | 0.7850% | 3,717 |
| Pretax return on assets | 0.9937% | 3,454 |
| Return on Equity (ROE) | 7.4826% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.4826% | 1,854 |
| Net charge-offs to loans | 0.0988% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.8028% | 1,828 |
| Efficiency ratio | 71.4822% | 2,117 |
| Assets per employee ($millions) | 8.8764% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,406 |
| Loan loss allowance to noncurrent loans | 293.9812% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 3,576 |
| Noncurrent loans to loans | 0.3572% | 3,300 |
| Net loans and leases to total assets | 72.0317% | 2,160 |
| Net loans and leases to deposits | 96.0038% | 965 |
| Net loans and leases to core deposits | 122.8691% | 452 |
| Total domestic deposits to total assets | 75.0300% | 4,853 |
| Equity capital to assets | 10.8496% | 2,998 |
| Core capital (leverage) ratio | 10.4594% | 3,093 |
| Tier 1 risk-based capital ratio | 13.0073% | 3,875 |
| Total risk-based capital ratio | 13.8774% | 3,964 |
| Memoranda: | ||
| Average total assets | $8,002,423,500 | 163 |
| Average earning assets | $7,491,066,500 | 159 |
| Average equity | $839,547,000 | 181 |
| Average total loans | $5,832,290,500 | 161 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 4,186 |
| Cost of funding earning assets | 1.0507% | 610 |
| Net interest margin | 2.8928% | 4,929 |
| Noninterest income to average assets | 0.6188% | 2,198 |
| Noninterest expense to average assets | 2.4322% | 3,796 |
| Loan and lease loss provision to assets | 0.0045% | 4,020 |
| Net operating income to assets | 0.7297% | 4,039 |
| Return on assets (ROA) | 0.7199% | 4,084 |
| Pretax return on assets | 0.8786% | 3,953 |
| Return on Equity (ROE) | 7.4864% | 3,664 |
| Retained earnings to average equity (ytd only) | 1.5913% | 4,501 |
| Net charge-offs to loans | 0.1750% | 1,099 |
| Credit loss provision to net charge-offs | 3.5334% | 3,446 |
| Earnings coverage of net charge-offs (x) | 7.0661% | 3,019 |
| Efficiency ratio | 73.0481% | 1,756 |
| Assets per employee ($millions) | 8.9064% | 487 |
| Cash dividends to net income (ytd only)* | 78.7441% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 3,431 |
| Loan loss allowance to noncurrent loans | 347.3288% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 3,708 |
| Noncurrent loans to loans | 0.3004% | 3,481 |
| Net loans and leases to total assets | 72.2035% | 2,225 |
| Net loans and leases to deposits | 96.5540% | 1,020 |
| Net loans and leases to core deposits | 123.6332% | 452 |
| Total domestic deposits to total assets | 74.7804% | 4,893 |
| Equity capital to assets | 10.1425% | 3,532 |
| Core capital (leverage) ratio | 9.9583% | 3,631 |
| Tier 1 risk-based capital ratio | 12.2039% | 4,293 |
| Total risk-based capital ratio | 13.0553% | 4,437 |
| Memoranda: | ||
| Average total assets | $8,378,945,400 | 157 |
| Average earning assets | $7,844,822,200 | 156 |
| Average equity | $805,755,800 | 180 |
| Average total loans | $6,064,257,800 | 155 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 4,354 |
| Cost of funding earning assets | 1.0007% | 594 |
| Net interest margin | 2.8348% | 5,049 |
| Noninterest income to average assets | 0.6259% | 2,186 |
| Noninterest expense to average assets | 2.3747% | 3,914 |
| Loan and lease loss provision to assets | 0.0276% | 3,453 |
| Net operating income to assets | 0.6968% | 4,230 |
| Return on assets (ROA) | 0.6968% | 4,242 |
| Pretax return on assets | 0.8778% | 4,095 |
| Return on Equity (ROE) | 7.3424% | 3,802 |
| Retained earnings to average equity (ytd only) | -0.5596% | 5,098 |
| Net charge-offs to loans | 0.0935% | 1,562 |
| Credit loss provision to net charge-offs | 40.8974% | 2,900 |
| Earnings coverage of net charge-offs (x) | 13.4027% | 2,365 |
| Efficiency ratio | 72.3446% | 1,831 |
| Assets per employee ($millions) | 8.8864% | 462 |
| Cash dividends to net income (ytd only)* | 107.6219% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,038 |
| Loan loss allowance to noncurrent loans | 233.9012% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 3,263 |
| Noncurrent loans to loans | 0.4822% | 2,940 |
| Net loans and leases to total assets | 72.2881% | 2,289 |
| Net loans and leases to deposits | 97.8026% | 964 |
| Net loans and leases to core deposits | 124.5618% | 448 |
| Total domestic deposits to total assets | 73.9123% | 4,983 |
| Equity capital to assets | 9.5134% | 4,069 |
| Core capital (leverage) ratio | 9.5825% | 4,080 |
| Tier 1 risk-based capital ratio | 11.3960% | 4,847 |
| Total risk-based capital ratio | 12.3251% | 4,899 |
| Memoranda: | ||
| Average total assets | $8,445,242,750 | 155 |
| Average earning assets | $7,907,408,750 | 153 |
| Average equity | $801,459,500 | 180 |
| Average total loans | $6,100,278,500 | 154 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,502 |
| Cost of funding earning assets | 0.9437% | 599 |
| Net interest margin | 2.7910% | 5,131 |
| Noninterest income to average assets | 0.6489% | 2,096 |
| Noninterest expense to average assets | 2.3923% | 3,919 |
| Loan and lease loss provision to assets | 0.0035% | 3,745 |
| Net operating income to assets | 0.6886% | 4,226 |
| Return on assets (ROA) | 0.6889% | 4,230 |
| Pretax return on assets | 0.8679% | 4,061 |
| Return on Equity (ROE) | 7.2652% | 3,810 |
| Retained earnings to average equity (ytd only) | -2.7165% | 5,198 |
| Net charge-offs to loans | 0.0730% | 1,603 |
| Credit loss provision to net charge-offs | 6.7598% | 2,743 |
| Earnings coverage of net charge-offs (x) | 16.5890% | 1,988 |
| Efficiency ratio | 73.2550% | 1,807 |
| Assets per employee ($millions) | 9.0633% | 434 |
| Cash dividends to net income (ytd only)* | 137.3909% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,125 |
| Loan loss allowance to noncurrent loans | 231.3451% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,294 |
| Noncurrent loans to loans | 0.4860% | 2,978 |
| Net loans and leases to total assets | 72.1829% | 2,247 |
| Net loans and leases to deposits | 96.0896% | 1,124 |
| Net loans and leases to core deposits | 123.7187% | 469 |
| Total domestic deposits to total assets | 75.1204% | 4,945 |
| Equity capital to assets | 9.3571% | 4,232 |
| Core capital (leverage) ratio | 9.5489% | 4,066 |
| Tier 1 risk-based capital ratio | 11.2454% | 4,925 |
| Total risk-based capital ratio | 12.1841% | 4,979 |
| Memoranda: | ||
| Average total assets | $8,452,206,000 | 153 |
| Average earning assets | $7,917,552,000 | 150 |
| Average equity | $801,466,000 | 180 |
| Average total loans | $6,080,611,670 | 154 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 4,593 |
| Cost of funding earning assets | 0.8834% | 650 |
| Net interest margin | 2.7660% | 5,192 |
| Noninterest income to average assets | 0.6134% | 2,199 |
| Noninterest expense to average assets | 2.4450% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5999% | 4,425 |
| Return on assets (ROA) | 0.5999% | 4,432 |
| Pretax return on assets | 0.7593% | 4,264 |
| Return on Equity (ROE) | 6.2911% | 4,062 |
| Retained earnings to average equity (ytd only) | -13.6442% | 5,435 |
| Net charge-offs to loans | -0.0079% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2495% | 1,559 |
| Assets per employee ($millions) | 8.9544% | 448 |
| Cash dividends to net income (ytd only)* | 316.8819% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 2,736 |
| Loan loss allowance to noncurrent loans | 223.9272% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 3,290 |
| Noncurrent loans to loans | 0.5412% | 2,905 |
| Net loans and leases to total assets | 69.9124% | 2,500 |
| Net loans and leases to deposits | 93.0272% | 1,328 |
| Net loans and leases to core deposits | 118.5270% | 632 |
| Total domestic deposits to total assets | 75.1526% | 5,050 |
| Equity capital to assets | 9.3149% | 4,253 |
| Core capital (leverage) ratio | 9.3562% | 4,252 |
| Tier 1 risk-based capital ratio | 11.3474% | 4,955 |
| Total risk-based capital ratio | 12.4180% | 4,942 |
| Memoranda: | ||
| Average total assets | $8,416,934,000 | 152 |
| Average earning assets | $7,884,303,000 | 150 |
| Average equity | $802,597,500 | 181 |
| Average total loans | $6,011,143,000 | 154 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4456% | 4,871 |
| Cost of funding earning assets | 0.7090% | 979 |
| Net interest margin | 2.7365% | 5,240 |
| Noninterest income to average assets | 0.8339% | 1,451 |
| Noninterest expense to average assets | 2.3788% | 4,134 |
| Loan and lease loss provision to assets | -0.0413% | 5,379 |
| Net operating income to assets | 0.6120% | 3,958 |
| Return on assets (ROA) | 0.5999% | 4,053 |
| Pretax return on assets | 1.0453% | 3,399 |
| Return on Equity (ROE) | 6.3648% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.6118% | 1,764 |
| Net charge-offs to loans | 0.1047% | 2,016 |
| Credit loss provision to net charge-offs | -55.7419% | 4,656 |
| Earnings coverage of net charge-offs (x) | 13.8120% | 2,368 |
| Efficiency ratio | 69.8764% | 2,573 |
| Assets per employee ($millions) | 8.9256% | 461 |
| Cash dividends to net income (ytd only)* | 11.8311% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,857 |
| Loan loss allowance to noncurrent loans | 260.9736% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 3,545 |
| Noncurrent loans to loans | 0.4544% | 3,148 |
| Net loans and leases to total assets | 71.2085% | 2,350 |
| Net loans and leases to deposits | 94.2541% | 1,244 |
| Net loans and leases to core deposits | 120.4582% | 569 |
| Total domestic deposits to total assets | 75.5495% | 5,025 |
| Equity capital to assets | 9.7556% | 3,961 |
| Core capital (leverage) ratio | 9.6857% | 3,830 |
| Tier 1 risk-based capital ratio | 11.6832% | 4,733 |
| Total risk-based capital ratio | 12.7359% | 4,753 |
| Memoranda: | ||
| Average total assets | $8,453,626,800 | 147 |
| Average earning assets | $7,932,474,400 | 142 |
| Average equity | $796,785,000 | 174 |
| Average total loans | $5,981,830,200 | 147 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 4,997 |
| Cost of funding earning assets | 0.6839% | 1,048 |
| Net interest margin | 2.6924% | 5,328 |
| Noninterest income to average assets | 0.8806% | 1,335 |
| Noninterest expense to average assets | 2.3418% | 4,182 |
| Loan and lease loss provision to assets | 0.1402% | 1,516 |
| Net operating income to assets | 0.6342% | 4,254 |
| Return on assets (ROA) | 0.6160% | 4,376 |
| Pretax return on assets | 0.8993% | 4,046 |
| Return on Equity (ROE) | 6.5933% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.8342% | 2,354 |
| Net charge-offs to loans | 0.1346% | 1,448 |
| Credit loss provision to net charge-offs | 147.9302% | 1,710 |
| Earnings coverage of net charge-offs (x) | 11.2482% | 2,517 |
| Efficiency ratio | 68.6666% | 2,759 |
| Assets per employee ($millions) | 8.8459% | 462 |
| Cash dividends to net income (ytd only)* | 11.5119% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,958 |
| Loan loss allowance to noncurrent loans | 213.1302% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 3,164 |
| Noncurrent loans to loans | 0.6492% | 2,764 |
| Net loans and leases to total assets | 71.0351% | 2,404 |
| Net loans and leases to deposits | 92.2314% | 1,539 |
| Net loans and leases to core deposits | 116.4567% | 735 |
| Total domestic deposits to total assets | 77.0183% | 4,890 |
| Equity capital to assets | 9.6029% | 4,343 |
| Core capital (leverage) ratio | 9.4524% | 4,225 |
| Tier 1 risk-based capital ratio | 11.1661% | 5,147 |
| Total risk-based capital ratio | 12.3491% | 5,085 |
| Memoranda: | ||
| Average total assets | $8,460,601,750 | 150 |
| Average earning assets | $7,942,040,750 | 143 |
| Average equity | $790,485,500 | 172 |
| Average total loans | $5,959,328,750 | 146 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 5,156 |
| Cost of funding earning assets | 0.6605% | 1,087 |
| Net interest margin | 2.6053% | 5,432 |
| Noninterest income to average assets | 0.7265% | 1,880 |
| Noninterest expense to average assets | 2.3153% | 4,303 |
| Loan and lease loss provision to assets | 0.1833% | 1,031 |
| Net operating income to assets | 0.4723% | 4,782 |
| Return on assets (ROA) | 0.4749% | 4,805 |
| Pretax return on assets | 0.6803% | 4,604 |
| Return on Equity (ROE) | 5.1302% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.3631% | 3,104 |
| Net charge-offs to loans | 0.2298% | 890 |
| Credit loss provision to net charge-offs | 114.0689% | 1,842 |
| Earnings coverage of net charge-offs (x) | 5.3525% | 2,832 |
| Efficiency ratio | 72.8657% | 2,206 |
| Assets per employee ($millions) | 8.8076% | 446 |
| Cash dividends to net income (ytd only)* | 14.9529% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,112 |
| Loan loss allowance to noncurrent loans | 149.9139% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 2,606 |
| Noncurrent loans to loans | 0.9078% | 2,157 |
| Net loans and leases to total assets | 70.1670% | 2,502 |
| Net loans and leases to deposits | 90.2562% | 1,692 |
| Net loans and leases to core deposits | 110.9404% | 957 |
| Total domestic deposits to total assets | 77.7420% | 4,857 |
| Equity capital to assets | 9.3041% | 4,618 |
| Core capital (leverage) ratio | 9.3529% | 4,286 |
| Tier 1 risk-based capital ratio | 10.9335% | 5,287 |
| Total risk-based capital ratio | 12.0919% | 5,251 |
| Memoranda: | ||
| Average total assets | $8,450,118,330 | 151 |
| Average earning assets | $7,942,382,000 | 142 |
| Average equity | $782,154,000 | 175 |
| Average total loans | $5,906,781,330 | 144 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1929% | 5,256 |
| Cost of funding earning assets | 0.6510% | 1,072 |
| Net interest margin | 2.5419% | 5,508 |
| Noninterest income to average assets | 0.6506% | 2,175 |
| Noninterest expense to average assets | 2.2920% | 4,427 |
| Loan and lease loss provision to assets | 0.1950% | 856 |
| Net operating income to assets | 0.3851% | 4,989 |
| Return on assets (ROA) | 0.3843% | 5,017 |
| Pretax return on assets | 0.5506% | 4,841 |
| Return on Equity (ROE) | 4.1630% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.3896% | 3,741 |
| Net charge-offs to loans | 0.4456% | 413 |
| Credit loss provision to net charge-offs | 63.1766% | 1,884 |
| Earnings coverage of net charge-offs (x) | 2.4188% | 2,593 |
| Efficiency ratio | 75.3736% | 2,006 |
| Assets per employee ($millions) | 8.7051% | 468 |
| Cash dividends to net income (ytd only)* | 18.5782% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 2,304 |
| Loan loss allowance to noncurrent loans | 127.7493% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 2,437 |
| Noncurrent loans to loans | 1.0569% | 1,939 |
| Net loans and leases to total assets | 69.1740% | 2,506 |
| Net loans and leases to deposits | 87.8854% | 1,819 |
| Net loans and leases to core deposits | 107.9764% | 980 |
| Total domestic deposits to total assets | 78.7093% | 4,881 |
| Equity capital to assets | 9.3041% | 4,505 |
| Core capital (leverage) ratio | 9.1142% | 4,598 |
| Tier 1 risk-based capital ratio | 11.2444% | 5,179 |
| Total risk-based capital ratio | 12.3924% | 5,131 |
| Memoranda: | ||
| Average total assets | $8,403,467,500 | 149 |
| Average earning assets | $7,894,792,000 | 140 |
| Average equity | $775,788,000 | 176 |
| Average total loans | $5,821,489,500 | 145 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0669% | 5,441 |
| Cost of funding earning assets | 0.5111% | 2,004 |
| Net interest margin | 2.5558% | 5,554 |
| Noninterest income to average assets | 0.7194% | 2,083 |
| Noninterest expense to average assets | 2.3571% | 4,402 |
| Loan and lease loss provision to assets | 0.2453% | 861 |
| Net operating income to assets | 0.3667% | 5,039 |
| Return on assets (ROA) | 0.3754% | 5,100 |
| Pretax return on assets | 0.5378% | 4,950 |
| Return on Equity (ROE) | 4.0323% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.2525% | 3,594 |
| Net charge-offs to loans | 0.2774% | 995 |
| Credit loss provision to net charge-offs | 130.2493% | 2,064 |
| Earnings coverage of net charge-offs (x) | 4.0920% | 3,555 |
| Efficiency ratio | 75.3054% | 2,093 |
| Assets per employee ($millions) | 8.8209% | 444 |
| Cash dividends to net income (ytd only)* | 19.3399% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 2,008 |
| Loan loss allowance to noncurrent loans | 115.2526% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 2,230 |
| Noncurrent loans to loans | 1.2304% | 1,667 |
| Net loans and leases to total assets | 67.4626% | 2,858 |
| Net loans and leases to deposits | 85.8537% | 2,195 |
| Net loans and leases to core deposits | 105.0857% | 1,196 |
| Total domestic deposits to total assets | 78.5786% | 4,885 |
| Equity capital to assets | 9.1598% | 4,634 |
| Core capital (leverage) ratio | 9.1602% | 4,540 |
| Tier 1 risk-based capital ratio | 11.2469% | 5,192 |
| Total risk-based capital ratio | 12.4342% | 5,126 |
| Memoranda: | ||
| Average total assets | $8,264,248,800 | 142 |
| Average earning assets | $7,787,324,200 | 134 |
| Average equity | $769,382,800 | 169 |
| Average total loans | $5,611,568,400 | 143 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0501% | 5,529 |
| Cost of funding earning assets | 0.4940% | 2,135 |
| Net interest margin | 2.5561% | 5,619 |
| Noninterest income to average assets | 0.6840% | 2,245 |
| Noninterest expense to average assets | 2.3746% | 4,341 |
| Loan and lease loss provision to assets | 0.2586% | 711 |
| Net operating income to assets | 0.3321% | 5,210 |
| Return on assets (ROA) | 0.3716% | 5,195 |
| Pretax return on assets | 0.5161% | 5,089 |
| Return on Equity (ROE) | 3.9753% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.1949% | 3,996 |
| Net charge-offs to loans | 0.3600% | 623 |
| Credit loss provision to net charge-offs | 105.9867% | 2,265 |
| Earnings coverage of net charge-offs (x) | 2.9504% | 3,492 |
| Efficiency ratio | 76.6808% | 1,879 |
| Assets per employee ($millions) | 8.8283% | 437 |
| Cash dividends to net income (ytd only)* | 19.6309% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 2,401 |
| Loan loss allowance to noncurrent loans | 107.5386% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 2,408 |
| Noncurrent loans to loans | 1.2621% | 1,774 |
| Net loans and leases to total assets | 66.9806% | 2,958 |
| Net loans and leases to deposits | 85.9833% | 2,259 |
| Net loans and leases to core deposits | 104.9522% | 1,278 |
| Total domestic deposits to total assets | 77.8995% | 4,929 |
| Equity capital to assets | 9.2866% | 4,879 |
| Core capital (leverage) ratio | 9.2165% | 4,565 |
| Tier 1 risk-based capital ratio | 11.2731% | 5,216 |
| Total risk-based capital ratio | 12.4216% | 5,185 |
| Memoranda: | ||
| Average total assets | $8,224,326,250 | 142 |
| Average earning assets | $7,755,866,500 | 134 |
| Average equity | $768,825,250 | 170 |
| Average total loans | $5,573,270,250 | 146 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0410% | 5,611 |
| Cost of funding earning assets | 0.4808% | 2,262 |
| Net interest margin | 2.5602% | 5,700 |
| Noninterest income to average assets | 0.6967% | 2,157 |
| Noninterest expense to average assets | 2.3798% | 4,406 |
| Loan and lease loss provision to assets | 0.2642% | 706 |
| Net operating income to assets | 0.3383% | 5,213 |
| Return on assets (ROA) | 0.3400% | 5,294 |
| Pretax return on assets | 0.4719% | 5,197 |
| Return on Equity (ROE) | 3.6293% | 5,046 |
| Retained earnings to average equity (ytd only) | 2.8432% | 4,095 |
| Net charge-offs to loans | 0.5195% | 413 |
| Credit loss provision to net charge-offs | 75.0942% | 2,420 |
| Earnings coverage of net charge-offs (x) | 2.0856% | 3,329 |
| Efficiency ratio | 76.3767% | 2,031 |
| Assets per employee ($millions) | 8.4064% | 496 |
| Cash dividends to net income (ytd only)* | 21.6591% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,610 |
| Loan loss allowance to noncurrent loans | 123.1256% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 2,813 |
| Noncurrent loans to loans | 1.0818% | 2,129 |
| Net loans and leases to total assets | 65.5989% | 3,140 |
| Net loans and leases to deposits | 83.7345% | 2,497 |
| Net loans and leases to core deposits | 98.7570% | 1,750 |
| Total domestic deposits to total assets | 78.3415% | 4,928 |
| Equity capital to assets | 9.4023% | 4,864 |
| Core capital (leverage) ratio | 9.4333% | 4,290 |
| Tier 1 risk-based capital ratio | 11.4236% | 5,204 |
| Total risk-based capital ratio | 12.5315% | 5,188 |
| Memoranda: | ||
| Average total assets | $8,146,582,670 | 142 |
| Average earning assets | $7,690,381,330 | 134 |
| Average equity | $763,293,000 | 170 |
| Average total loans | $5,516,738,670 | 146 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9699% | 5,715 |
| Cost of funding earning assets | 0.4707% | 2,364 |
| Net interest margin | 2.4993% | 5,806 |
| Noninterest income to average assets | 0.7067% | 2,012 |
| Noninterest expense to average assets | 2.4050% | 4,351 |
| Loan and lease loss provision to assets | 0.1869% | 1,061 |
| Net operating income to assets | 0.3077% | 5,280 |
| Return on assets (ROA) | 0.3011% | 5,383 |
| Pretax return on assets | 0.4668% | 5,167 |
| Return on Equity (ROE) | 3.2158% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.4216% | 4,287 |
| Net charge-offs to loans | 0.7083% | 298 |
| Credit loss provision to net charge-offs | 38.5915% | 2,154 |
| Earnings coverage of net charge-offs (x) | 1.3711% | 2,826 |
| Efficiency ratio | 78.3041% | 1,850 |
| Assets per employee ($millions) | 8.0677% | 553 |
| Cash dividends to net income (ytd only)* | 24.6954% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 2,827 |
| Loan loss allowance to noncurrent loans | 142.6014% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 3,187 |
| Noncurrent loans to loans | 0.9224% | 2,545 |
| Net loans and leases to total assets | 66.7324% | 2,855 |
| Net loans and leases to deposits | 81.5537% | 2,600 |
| Net loans and leases to core deposits | 96.0197% | 1,792 |
| Total domestic deposits to total assets | 81.8263% | 4,277 |
| Equity capital to assets | 9.5557% | 4,615 |
| Core capital (leverage) ratio | 9.3435% | 4,441 |
| Tier 1 risk-based capital ratio | 11.5491% | 5,207 |
| Total risk-based capital ratio | 12.6309% | 5,199 |
| Memoranda: | ||
| Average total assets | $8,070,136,500 | 143 |
| Average earning assets | $7,627,386,500 | 135 |
| Average equity | $755,524,500 | 173 |
| Average total loans | $5,516,973,500 | 143 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6995% | 5,935 |
| Cost of funding earning assets | 0.3774% | 3,396 |
| Net interest margin | 2.3220% | 5,935 |
| Noninterest income to average assets | 0.6634% | 2,386 |
| Noninterest expense to average assets | 2.3578% | 4,622 |
| Loan and lease loss provision to assets | 0.1389% | 1,707 |
| Net operating income to assets | 0.2465% | 5,490 |
| Return on assets (ROA) | 0.2553% | 5,540 |
| Pretax return on assets | 0.3978% | 5,323 |
| Return on Equity (ROE) | 2.7445% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.9460% | 4,619 |
| Net charge-offs to loans | -0.0080% | 5,059 |
| Credit loss provision to net charge-offs | -2,561.6438% | 5,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7477% | 1,441 |
| Assets per employee ($millions) | 8.0965% | 533 |
| Cash dividends to net income (ytd only)* | 29.0937% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,566 |
| Loan loss allowance to noncurrent loans | 111.7991% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 2,544 |
| Noncurrent loans to loans | 1.2234% | 1,927 |
| Net loans and leases to total assets | 68.1437% | 2,686 |
| Net loans and leases to deposits | 84.6389% | 2,286 |
| Net loans and leases to core deposits | 98.4813% | 1,634 |
| Total domestic deposits to total assets | 80.5111% | 4,605 |
| Equity capital to assets | 9.1723% | 4,944 |
| Core capital (leverage) ratio | 9.3591% | 4,385 |
| Tier 1 risk-based capital ratio | 11.1297% | 5,454 |
| Total risk-based capital ratio | 12.2670% | 5,416 |
| Memoranda: | ||
| Average total assets | $8,077,167,400 | 134 |
| Average earning assets | $7,712,572,600 | 125 |
| Average equity | $751,439,800 | 166 |
| Average total loans | $5,492,137,200 | 133 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6546% | 6,036 |
| Cost of funding earning assets | 0.3617% | 3,638 |
| Net interest margin | 2.2930% | 6,036 |
| Noninterest income to average assets | 0.6661% | 2,405 |
| Noninterest expense to average assets | 2.3097% | 4,753 |
| Loan and lease loss provision to assets | 0.1376% | 1,623 |
| Net operating income to assets | 0.2666% | 5,544 |
| Return on assets (ROA) | 0.2782% | 5,595 |
| Pretax return on assets | 0.4313% | 5,394 |
| Return on Equity (ROE) | 2.9794% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.1819% | 4,797 |
| Net charge-offs to loans | -0.0183% | 5,178 |
| Credit loss provision to net charge-offs | -1,110.2804% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6213% | 1,564 |
| Assets per employee ($millions) | 8.1562% | 502 |
| Cash dividends to net income (ytd only)* | 26.7666% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 2,870 |
| Loan loss allowance to noncurrent loans | 106.0360% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 2,625 |
| Noncurrent loans to loans | 1.2707% | 2,008 |
| Net loans and leases to total assets | 67.9187% | 2,691 |
| Net loans and leases to deposits | 85.1998% | 2,250 |
| Net loans and leases to core deposits | 97.5036% | 1,749 |
| Total domestic deposits to total assets | 79.7170% | 4,802 |
| Equity capital to assets | 9.4016% | 4,879 |
| Core capital (leverage) ratio | 9.2346% | 4,686 |
| Tier 1 risk-based capital ratio | 11.2754% | 5,503 |
| Total risk-based capital ratio | 12.3838% | 5,475 |
| Memoranda: | ||
| Average total assets | $8,058,153,500 | 135 |
| Average earning assets | $7,712,765,500 | 124 |
| Average equity | $752,341,250 | 166 |
| Average total loans | $5,456,933,000 | 135 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5881% | 6,118 |
| Cost of funding earning assets | 0.3469% | 3,847 |
| Net interest margin | 2.2412% | 6,130 |
| Noninterest income to average assets | 0.6858% | 2,276 |
| Noninterest expense to average assets | 2.2207% | 5,054 |
| Loan and lease loss provision to assets | 0.1538% | 1,383 |
| Net operating income to assets | 0.2904% | 5,466 |
| Return on assets (ROA) | 0.3062% | 5,524 |
| Pretax return on assets | 0.4814% | 5,274 |
| Return on Equity (ROE) | 3.2871% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.4888% | 4,471 |
| Net charge-offs to loans | -0.0266% | 5,280 |
| Credit loss provision to net charge-offs | -856.9061% | 5,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2963% | 2,025 |
| Assets per employee ($millions) | 8.1847% | 488 |
| Cash dividends to net income (ytd only)* | 24.2856% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 3,288 |
| Loan loss allowance to noncurrent loans | 109.3465% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 2,894 |
| Noncurrent loans to loans | 1.1811% | 2,291 |
| Net loans and leases to total assets | 67.4572% | 2,722 |
| Net loans and leases to deposits | 86.3683% | 2,016 |
| Net loans and leases to core deposits | 98.3005% | 1,628 |
| Total domestic deposits to total assets | 78.1041% | 5,262 |
| Equity capital to assets | 9.1654% | 5,062 |
| Core capital (leverage) ratio | 9.3154% | 4,531 |
| Tier 1 risk-based capital ratio | 11.4793% | 5,476 |
| Total risk-based capital ratio | 12.5754% | 5,493 |
| Memoranda: | ||
| Average total assets | $8,068,979,330 | 134 |
| Average earning assets | $7,724,220,000 | 126 |
| Average equity | $751,608,000 | 166 |
| Average total loans | $5,434,114,670 | 137 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5759% | 6,193 |
| Cost of funding earning assets | 0.3359% | 4,025 |
| Net interest margin | 2.2400% | 6,183 |
| Noninterest income to average assets | 0.6752% | 2,276 |
| Noninterest expense to average assets | 2.2593% | 4,974 |
| Loan and lease loss provision to assets | 0.1017% | 2,001 |
| Net operating income to assets | 0.2911% | 5,449 |
| Return on assets (ROA) | 0.3115% | 5,473 |
| Pretax return on assets | 0.4898% | 5,207 |
| Return on Equity (ROE) | 3.3172% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.3172% | 3,992 |
| Net charge-offs to loans | -0.0589% | 5,608 |
| Credit loss provision to net charge-offs | -258.3756% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9706% | 1,899 |
| Assets per employee ($millions) | 8.9420% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 3,619 |
| Loan loss allowance to noncurrent loans | 179.0356% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5313% | 3,904 |
| Noncurrent loans to loans | 0.7049% | 3,512 |
| Net loans and leases to total assets | 65.8013% | 2,814 |
| Net loans and leases to deposits | 83.4269% | 2,150 |
| Net loans and leases to core deposits | 92.8919% | 1,863 |
| Total domestic deposits to total assets | 78.8730% | 5,287 |
| Equity capital to assets | 9.3444% | 4,913 |
| Core capital (leverage) ratio | 9.3525% | 4,492 |
| Tier 1 risk-based capital ratio | 11.4516% | 5,584 |
| Total risk-based capital ratio | 12.4917% | 5,608 |
| Memoranda: | ||
| Average total assets | $8,007,002,500 | 133 |
| Average earning assets | $7,662,801,000 | 126 |
| Average equity | $751,955,000 | 165 |
| Average total loans | $5,351,652,000 | 138 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5583% | 6,312 |
| Cost of funding earning assets | 0.3227% | 4,556 |
| Net interest margin | 2.2357% | 6,296 |
| Noninterest income to average assets | 0.6792% | 2,404 |
| Noninterest expense to average assets | 2.1779% | 5,394 |
| Loan and lease loss provision to assets | 0.1081% | 2,355 |
| Net operating income to assets | 0.3470% | 5,386 |
| Return on assets (ROA) | 0.3753% | 5,373 |
| Pretax return on assets | 0.5889% | 4,979 |
| Return on Equity (ROE) | 3.7653% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.9492% | 4,148 |
| Net charge-offs to loans | 0.0608% | 3,630 |
| Credit loss provision to net charge-offs | 261.0020% | 981 |
| Earnings coverage of net charge-offs (x) | 15.7642% | 2,062 |
| Efficiency ratio | 76.9023% | 2,369 |
| Assets per employee ($millions) | 9.0741% | 329 |
| Cash dividends to net income (ytd only)* | 21.6740% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 3,798 |
| Loan loss allowance to noncurrent loans | 157.1302% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 3,913 |
| Noncurrent loans to loans | 0.7854% | 3,341 |
| Net loans and leases to total assets | 66.2098% | 2,850 |
| Net loans and leases to deposits | 82.8210% | 2,362 |
| Net loans and leases to core deposits | 90.5190% | 2,232 |
| Total domestic deposits to total assets | 79.9432% | 5,037 |
| Equity capital to assets | 9.4393% | 4,792 |
| Core capital (leverage) ratio | 9.2733% | 4,565 |
| Tier 1 risk-based capital ratio | 12.1885% | 5,238 |
| Total risk-based capital ratio | 13.2464% | 5,270 |
| Memoranda: | ||
| Average total assets | $7,375,461,000 | 138 |
| Average earning assets | $7,097,741,600 | 129 |
| Average equity | $735,210,400 | 163 |
| Average total loans | $5,026,108,400 | 140 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5181% | 6,404 |
| Cost of funding earning assets | 0.3158% | 4,722 |
| Net interest margin | 2.2023% | 6,388 |
| Noninterest income to average assets | 0.6736% | 2,460 |
| Noninterest expense to average assets | 2.1600% | 5,431 |
| Loan and lease loss provision to assets | 0.0987% | 2,394 |
| Net operating income to assets | 0.3397% | 5,462 |
| Return on assets (ROA) | 0.3628% | 5,461 |
| Pretax return on assets | 0.5738% | 5,114 |
| Return on Equity (ROE) | 3.5880% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.7689% | 4,626 |
| Net charge-offs to loans | 0.1231% | 2,583 |
| Credit loss provision to net charge-offs | 117.0817% | 1,951 |
| Earnings coverage of net charge-offs (x) | 7.5513% | 2,914 |
| Efficiency ratio | 77.2374% | 2,318 |
| Assets per employee ($millions) | 9.3117% | 293 |
| Cash dividends to net income (ytd only)* | 22.8287% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 4,177 |
| Loan loss allowance to noncurrent loans | 123.9176% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 3,767 |
| Noncurrent loans to loans | 0.9752% | 3,124 |
| Net loans and leases to total assets | 64.3212% | 3,139 |
| Net loans and leases to deposits | 80.3751% | 2,635 |
| Net loans and leases to core deposits | 86.1455% | 2,650 |
| Total domestic deposits to total assets | 80.0262% | 5,092 |
| Equity capital to assets | 9.4934% | 4,801 |
| Core capital (leverage) ratio | 9.6356% | 4,176 |
| Tier 1 risk-based capital ratio | 12.8732% | 4,933 |
| Total risk-based capital ratio | 13.9158% | 4,973 |
| Memoranda: | ||
| Average total assets | $7,243,431,750 | 142 |
| Average earning assets | $6,981,627,500 | 128 |
| Average equity | $732,503,250 | 163 |
| Average total loans | $4,958,053,000 | 140 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5025% | 6,477 |
| Cost of funding earning assets | 0.3197% | 4,763 |
| Net interest margin | 2.1829% | 6,461 |
| Noninterest income to average assets | 0.6473% | 2,558 |
| Noninterest expense to average assets | 2.1291% | 5,563 |
| Loan and lease loss provision to assets | 0.0848% | 2,613 |
| Net operating income to assets | 0.3403% | 5,431 |
| Return on assets (ROA) | 0.3556% | 5,458 |
| Pretax return on assets | 0.5612% | 5,094 |
| Return on Equity (ROE) | 3.4390% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.6174% | 4,534 |
| Net charge-offs to loans | 0.1378% | 2,290 |
| Credit loss provision to net charge-offs | 88.2925% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.4789% | 2,765 |
| Efficiency ratio | 77.3804% | 2,393 |
| Assets per employee ($millions) | 8.7762% | 352 |
| Cash dividends to net income (ytd only)* | 23.8892% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 4,491 |
| Loan loss allowance to noncurrent loans | 113.5300% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 3,682 |
| Noncurrent loans to loans | 1.0442% | 3,146 |
| Net loans and leases to total assets | 67.0442% | 2,568 |
| Net loans and leases to deposits | 85.7102% | 1,851 |
| Net loans and leases to core deposits | 91.2898% | 1,997 |
| Total domestic deposits to total assets | 78.2220% | 5,594 |
| Equity capital to assets | 9.9060% | 4,242 |
| Core capital (leverage) ratio | 10.1510% | 3,414 |
| Tier 1 risk-based capital ratio | 13.6559% | 4,485 |
| Total risk-based capital ratio | 14.7582% | 4,516 |
| Memoranda: | ||
| Average total assets | $7,063,041,330 | 142 |
| Average earning assets | $6,807,471,330 | 135 |
| Average equity | $730,330,000 | 163 |
| Average total loans | $4,921,271,670 | 141 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5623% | 6,533 |
| Cost of funding earning assets | 0.3215% | 4,839 |
| Net interest margin | 2.2408% | 6,507 |
| Noninterest income to average assets | 0.6300% | 2,569 |
| Noninterest expense to average assets | 2.1442% | 5,592 |
| Loan and lease loss provision to assets | 0.1245% | 1,943 |
| Net operating income to assets | 0.3295% | 5,394 |
| Return on assets (ROA) | 0.3421% | 5,406 |
| Pretax return on assets | 0.5430% | 5,036 |
| Return on Equity (ROE) | 3.2344% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.4075% | 4,631 |
| Net charge-offs to loans | 0.0406% | 2,816 |
| Credit loss provision to net charge-offs | 433.9431% | 611 |
| Earnings coverage of net charge-offs (x) | 22.5813% | 1,245 |
| Efficiency ratio | 76.7923% | 2,674 |
| Assets per employee ($millions) | 8.5919% | 389 |
| Cash dividends to net income (ytd only)* | 25.5667% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,271 |
| Loan loss allowance to noncurrent loans | 165.2636% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 4,037 |
| Noncurrent loans to loans | 0.7692% | 3,938 |
| Net loans and leases to total assets | 69.9178% | 1,900 |
| Net loans and leases to deposits | 85.7718% | 1,627 |
| Net loans and leases to core deposits | 91.2335% | 1,802 |
| Total domestic deposits to total assets | 81.5161% | 5,084 |
| Equity capital to assets | 10.5730% | 3,173 |
| Core capital (leverage) ratio | 10.3725% | 3,090 |
| Tier 1 risk-based capital ratio | 14.6625% | 3,913 |
| Total risk-based capital ratio | 15.9108% | 3,867 |
| Memoranda: | ||
| Average total assets | $6,860,310,000 | 143 |
| Average earning assets | $6,619,002,000 | 137 |
| Average equity | $725,579,500 | 162 |
| Average total loans | $4,848,272,000 | 141 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5933% | 6,591 |
| Cost of funding earning assets | 0.3153% | 5,466 |
| Net interest margin | 2.2780% | 6,535 |
| Noninterest income to average assets | 0.6722% | 2,692 |
| Noninterest expense to average assets | 2.1174% | 5,791 |
| Loan and lease loss provision to assets | 0.0042% | 5,033 |
| Net operating income to assets | 0.4793% | 4,819 |
| Return on assets (ROA) | 0.4989% | 4,874 |
| Pretax return on assets | 0.7767% | 4,240 |
| Return on Equity (ROE) | 4.7397% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.9071% | 3,424 |
| Net charge-offs to loans | 0.1550% | 3,256 |
| Credit loss provision to net charge-offs | 4.0647% | 4,661 |
| Earnings coverage of net charge-offs (x) | 7.2250% | 2,887 |
| Efficiency ratio | 73.7911% | 3,163 |
| Assets per employee ($millions) | 8.4632% | 397 |
| Cash dividends to net income (ytd only)* | 17.5665% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 4,362 |
| Loan loss allowance to noncurrent loans | 170.2269% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 4,135 |
| Noncurrent loans to loans | 0.7384% | 4,112 |
| Net loans and leases to total assets | 69.6365% | 2,077 |
| Net loans and leases to deposits | 85.4160% | 1,761 |
| Net loans and leases to core deposits | 90.9636% | 1,911 |
| Total domestic deposits to total assets | 81.5263% | 5,031 |
| Equity capital to assets | 10.5800% | 3,070 |
| Core capital (leverage) ratio | 10.3234% | 3,123 |
| Tier 1 risk-based capital ratio | 14.9979% | 3,670 |
| Total risk-based capital ratio | 16.2430% | 3,614 |
| Memoranda: | ||
| Average total assets | $6,846,426,000 | 144 |
| Average earning assets | $6,598,473,600 | 133 |
| Average equity | $720,634,600 | 157 |
| Average total loans | $4,586,777,200 | 142 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5844% | 6,668 |
| Cost of funding earning assets | 0.3121% | 5,624 |
| Net interest margin | 2.2723% | 6,602 |
| Noninterest income to average assets | 0.7025% | 2,592 |
| Noninterest expense to average assets | 2.1114% | 5,806 |
| Loan and lease loss provision to assets | 0.0029% | 4,900 |
| Net operating income to assets | 0.4887% | 4,845 |
| Return on assets (ROA) | 0.5190% | 4,876 |
| Pretax return on assets | 0.8238% | 4,206 |
| Return on Equity (ROE) | 4.9370% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.1041% | 3,766 |
| Net charge-offs to loans | 0.2075% | 2,581 |
| Credit loss provision to net charge-offs | 2.1135% | 4,315 |
| Earnings coverage of net charge-offs (x) | 5.6821% | 3,131 |
| Efficiency ratio | 72.9819% | 3,221 |
| Assets per employee ($millions) | 8.5213% | 377 |
| Cash dividends to net income (ytd only)* | 16.8704% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,327 |
| Loan loss allowance to noncurrent loans | 136.4577% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 3,690 |
| Noncurrent loans to loans | 0.9611% | 3,893 |
| Net loans and leases to total assets | 66.1633% | 2,612 |
| Net loans and leases to deposits | 82.6067% | 2,054 |
| Net loans and leases to core deposits | 87.6789% | 2,225 |
| Total domestic deposits to total assets | 80.0944% | 5,479 |
| Equity capital to assets | 10.4435% | 3,351 |
| Core capital (leverage) ratio | 10.1208% | 3,498 |
| Tier 1 risk-based capital ratio | 15.2060% | 3,624 |
| Total risk-based capital ratio | 16.4572% | 3,581 |
| Memoranda: | ||
| Average total assets | $6,852,697,500 | 142 |
| Average earning assets | $6,599,500,250 | 132 |
| Average equity | $720,368,750 | 155 |
| Average total loans | $4,530,819,000 | 141 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5828% | 6,707 |
| Cost of funding earning assets | 0.3112% | 5,747 |
| Net interest margin | 2.2716% | 6,642 |
| Noninterest income to average assets | 0.6660% | 2,818 |
| Noninterest expense to average assets | 2.0613% | 5,941 |
| Loan and lease loss provision to assets | 0.0003% | 4,785 |
| Net operating income to assets | 0.4986% | 4,807 |
| Return on assets (ROA) | 0.5635% | 4,653 |
| Pretax return on assets | 0.8945% | 3,928 |
| Return on Equity (ROE) | 5.3488% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.3488% | 2,842 |
| Net charge-offs to loans | 0.2697% | 2,130 |
| Credit loss provision to net charge-offs | 0.1481% | 3,999 |
| Earnings coverage of net charge-offs (x) | 4.4696% | 3,120 |
| Efficiency ratio | 72.1272% | 3,445 |
| Assets per employee ($millions) | 8.5853% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,451 |
| Loan loss allowance to noncurrent loans | 108.2561% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 3,675 |
| Noncurrent loans to loans | 1.2111% | 3,532 |
| Net loans and leases to total assets | 65.8598% | 2,620 |
| Net loans and leases to deposits | 84.3163% | 1,760 |
| Net loans and leases to core deposits | 89.2368% | 1,978 |
| Total domestic deposits to total assets | 78.1105% | 5,959 |
| Equity capital to assets | 10.2728% | 3,570 |
| Core capital (leverage) ratio | 10.3095% | 3,092 |
| Tier 1 risk-based capital ratio | 14.9125% | 3,836 |
| Total risk-based capital ratio | 16.1636% | 3,801 |
| Memoranda: | ||
| Average total assets | $6,847,537,000 | 141 |
| Average earning assets | $6,597,573,330 | 133 |
| Average equity | $721,398,670 | 155 |
| Average total loans | $4,506,223,670 | 140 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6430% | 6,760 |
| Cost of funding earning assets | 0.3169% | 5,825 |
| Net interest margin | 2.3261% | 6,670 |
| Noninterest income to average assets | 0.6650% | 2,789 |
| Noninterest expense to average assets | 2.0817% | 5,951 |
| Loan and lease loss provision to assets | 0.0038% | 4,377 |
| Net operating income to assets | 0.5162% | 4,578 |
| Return on assets (ROA) | 0.5946% | 4,393 |
| Pretax return on assets | 0.9438% | 3,590 |
| Return on Equity (ROE) | 5.5724% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.5724% | 2,916 |
| Net charge-offs to loans | -0.1036% | 6,460 |
| Credit loss provision to net charge-offs | -5.6719% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4942% | 3,714 |
| Assets per employee ($millions) | 8.7006% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 3,602 |
| Loan loss allowance to noncurrent loans | 84.1069% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 3,370 |
| Noncurrent loans to loans | 1.8466% | 2,804 |
| Net loans and leases to total assets | 64.5590% | 2,603 |
| Net loans and leases to deposits | 80.3048% | 2,036 |
| Net loans and leases to core deposits | 85.1570% | 2,196 |
| Total domestic deposits to total assets | 80.3925% | 5,666 |
| Equity capital to assets | 10.8037% | 3,197 |
| Core capital (leverage) ratio | 10.1181% | 3,252 |
| Tier 1 risk-based capital ratio | 16.0238% | 3,254 |
| Total risk-based capital ratio | 17.2785% | 3,211 |
| Memoranda: | ||
| Average total assets | $6,772,780,500 | 144 |
| Average earning assets | $6,527,609,000 | 137 |
| Average equity | $722,703,000 | 156 |
| Average total loans | $4,424,603,000 | 145 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8314% | 6,844 |
| Cost of funding earning assets | 0.3994% | 5,924 |
| Net interest margin | 2.4320% | 6,755 |
| Noninterest income to average assets | 0.6806% | 2,833 |
| Noninterest expense to average assets | 2.0771% | 6,171 |
| Loan and lease loss provision to assets | 0.3560% | 1,880 |
| Net operating income to assets | 0.3656% | 5,235 |
| Return on assets (ROA) | 0.4694% | 5,059 |
| Pretax return on assets | 0.7451% | 4,495 |
| Return on Equity (ROE) | 4.5354% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.5354% | 3,033 |
| Net charge-offs to loans | 0.5680% | 2,024 |
| Credit loss provision to net charge-offs | 100.5968% | 3,016 |
| Earnings coverage of net charge-offs (x) | 2.6534% | 4,103 |
| Efficiency ratio | 68.7540% | 4,009 |
| Assets per employee ($millions) | 8.6879% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 3,678 |
| Loan loss allowance to noncurrent loans | 77.3410% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 3,238 |
| Noncurrent loans to loans | 1.9601% | 2,733 |
| Net loans and leases to total assets | 64.0977% | 2,879 |
| Net loans and leases to deposits | 81.4603% | 2,079 |
| Net loans and leases to core deposits | 86.1067% | 2,304 |
| Total domestic deposits to total assets | 78.6858% | 5,957 |
| Equity capital to assets | 10.5395% | 3,481 |
| Core capital (leverage) ratio | 9.9150% | 3,523 |
| Tier 1 risk-based capital ratio | 16.0433% | 3,139 |
| Total risk-based capital ratio | 17.2982% | 3,089 |
| Memoranda: | ||
| Average total assets | $6,770,976,200 | 141 |
| Average earning assets | $6,502,337,400 | 135 |
| Average equity | $700,782,600 | 156 |
| Average total loans | $4,218,419,000 | 142 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8667% | 6,947 |
| Cost of funding earning assets | 0.4202% | 5,984 |
| Net interest margin | 2.4464% | 6,864 |
| Noninterest income to average assets | 0.6851% | 2,784 |
| Noninterest expense to average assets | 2.0564% | 6,253 |
| Loan and lease loss provision to assets | 0.4360% | 1,449 |
| Net operating income to assets | 0.3383% | 5,482 |
| Return on assets (ROA) | 0.4263% | 5,372 |
| Pretax return on assets | 0.6767% | 4,931 |
| Return on Equity (ROE) | 4.1381% | 5,239 |
| Retained earnings to average equity (ytd only) | 4.1381% | 3,993 |
| Net charge-offs to loans | 0.6326% | 1,739 |
| Credit loss provision to net charge-offs | 111.8856% | 2,617 |
| Earnings coverage of net charge-offs (x) | 2.5025% | 4,040 |
| Efficiency ratio | 67.7167% | 4,124 |
| Assets per employee ($millions) | 8.8654% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 3,136 |
| Loan loss allowance to noncurrent loans | 60.1242% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 2,756 |
| Noncurrent loans to loans | 2.8343% | 1,984 |
| Net loans and leases to total assets | 58.7987% | 3,993 |
| Net loans and leases to deposits | 73.2934% | 3,394 |
| Net loans and leases to core deposits | 77.3910% | 3,552 |
| Total domestic deposits to total assets | 80.2237% | 5,595 |
| Equity capital to assets | 10.4948% | 3,854 |
| Core capital (leverage) ratio | 9.7093% | 3,945 |
| Tier 1 risk-based capital ratio | 17.0317% | 2,719 |
| Total risk-based capital ratio | 18.2890% | 2,670 |
| Memoranda: | ||
| Average total assets | $6,758,727,750 | 141 |
| Average earning assets | $6,482,657,250 | 135 |
| Average equity | $696,280,000 | 157 |
| Average total loans | $4,163,340,750 | 144 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8418% | 7,031 |
| Cost of funding earning assets | 0.4387% | 6,042 |
| Net interest margin | 2.4031% | 6,956 |
| Noninterest income to average assets | 0.6726% | 2,816 |
| Noninterest expense to average assets | 2.0181% | 6,396 |
| Loan and lease loss provision to assets | 0.4827% | 1,315 |
| Net operating income to assets | 0.2999% | 5,622 |
| Return on assets (ROA) | 0.4024% | 5,441 |
| Pretax return on assets | 0.6387% | 4,999 |
| Return on Equity (ROE) | 3.9305% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.9305% | 3,999 |
| Net charge-offs to loans | 0.7001% | 1,584 |
| Credit loss provision to net charge-offs | 110.8567% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.2075% | 3,879 |
| Efficiency ratio | 67.6193% | 4,207 |
| Assets per employee ($millions) | 8.6846% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,522 |
| Loan loss allowance to noncurrent loans | 42.1017% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 2.6224% | 2,112 |
| Noncurrent loans to loans | 3.8556% | 1,449 |
| Net loans and leases to total assets | 61.5769% | 3,515 |
| Net loans and leases to deposits | 76.6758% | 2,889 |
| Net loans and leases to core deposits | 81.6149% | 3,004 |
| Total domestic deposits to total assets | 80.3081% | 5,661 |
| Equity capital to assets | 10.3186% | 3,918 |
| Core capital (leverage) ratio | 9.4562% | 4,207 |
| Tier 1 risk-based capital ratio | 16.0022% | 3,169 |
| Total risk-based capital ratio | 17.2585% | 3,135 |
| Memoranda: | ||
| Average total assets | $6,739,143,000 | 141 |
| Average earning assets | $6,469,131,000 | 136 |
| Average equity | $689,880,670 | 156 |
| Average total loans | $4,191,759,330 | 140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8341% | 7,099 |
| Cost of funding earning assets | 0.4504% | 6,140 |
| Net interest margin | 2.3837% | 7,020 |
| Noninterest income to average assets | 0.6762% | 2,771 |
| Noninterest expense to average assets | 2.0827% | 6,302 |
| Loan and lease loss provision to assets | 0.5050% | 1,202 |
| Net operating income to assets | 0.2337% | 5,873 |
| Return on assets (ROA) | 0.3655% | 5,586 |
| Pretax return on assets | 0.5802% | 5,184 |
| Return on Equity (ROE) | 3.5848% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.5848% | 4,426 |
| Net charge-offs to loans | 1.3351% | 764 |
| Credit loss provision to net charge-offs | 60.9986% | 3,092 |
| Earnings coverage of net charge-offs (x) | 1.0620% | 3,798 |
| Efficiency ratio | 70.1992% | 3,774 |
| Assets per employee ($millions) | 8.9688% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 4,252 |
| Loan loss allowance to noncurrent loans | 31.8068% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 3.2774% | 1,761 |
| Noncurrent loans to loans | 4.6545% | 1,232 |
| Net loans and leases to total assets | 60.2542% | 3,611 |
| Net loans and leases to deposits | 79.9320% | 2,208 |
| Net loans and leases to core deposits | 85.9082% | 2,303 |
| Total domestic deposits to total assets | 75.3818% | 6,603 |
| Equity capital to assets | 10.1159% | 3,973 |
| Core capital (leverage) ratio | 9.2478% | 4,446 |
| Tier 1 risk-based capital ratio | 15.8154% | 3,273 |
| Total risk-based capital ratio | 17.0697% | 3,237 |
| Memoranda: | ||
| Average total assets | $6,726,074,500 | 140 |
| Average earning assets | $6,449,382,000 | 135 |
| Average equity | $685,779,000 | 154 |
| Average total loans | $4,170,345,500 | 139 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8592% | 7,206 |
| Cost of funding earning assets | 0.4757% | 6,632 |
| Net interest margin | 2.3834% | 7,109 |
| Noninterest income to average assets | 0.7598% | 2,281 |
| Noninterest expense to average assets | 2.0573% | 6,570 |
| Loan and lease loss provision to assets | 0.7495% | 1,347 |
| Net operating income to assets | 0.1433% | 5,757 |
| Return on assets (ROA) | 0.2444% | 5,584 |
| Pretax return on assets | 0.3837% | 5,340 |
| Return on Equity (ROE) | 2.4276% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.4276% | 4,490 |
| Net charge-offs to loans | 1.0568% | 1,637 |
| Credit loss provision to net charge-offs | 119.3650% | 2,674 |
| Earnings coverage of net charge-offs (x) | 1.5532% | 4,611 |
| Efficiency ratio | 67.7234% | 4,416 |
| Assets per employee ($millions) | 8.6744% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,548 |
| Loan loss allowance to noncurrent loans | 27.8376% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 3.8410% | 1,498 |
| Noncurrent loans to loans | 5.7817% | 886 |
| Net loans and leases to total assets | 61.8568% | 3,631 |
| Net loans and leases to deposits | 83.1240% | 2,052 |
| Net loans and leases to core deposits | 89.6066% | 2,180 |
| Total domestic deposits to total assets | 74.4151% | 6,674 |
| Equity capital to assets | 10.2780% | 3,812 |
| Core capital (leverage) ratio | 9.0023% | 4,786 |
| Tier 1 risk-based capital ratio | 15.9314% | 3,079 |
| Total risk-based capital ratio | 17.1878% | 3,036 |
| Memoranda: | ||
| Average total assets | $6,645,725,200 | 144 |
| Average earning assets | $6,337,413,000 | 139 |
| Average equity | $669,015,600 | 157 |
| Average total loans | $3,948,672,200 | 141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8345% | 7,300 |
| Cost of funding earning assets | 0.4798% | 6,783 |
| Net interest margin | 2.3547% | 7,197 |
| Noninterest income to average assets | 0.7472% | 2,331 |
| Noninterest expense to average assets | 2.0587% | 6,575 |
| Loan and lease loss provision to assets | 0.8304% | 1,116 |
| Net operating income to assets | 0.0637% | 6,038 |
| Return on assets (ROA) | 0.1718% | 5,895 |
| Pretax return on assets | 0.2687% | 5,771 |
| Return on Equity (ROE) | 1.7157% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.7157% | 5,285 |
| Net charge-offs to loans | 1.0999% | 1,442 |
| Credit loss provision to net charge-offs | 128.9353% | 2,467 |
| Earnings coverage of net charge-offs (x) | 1.4443% | 4,552 |
| Efficiency ratio | 68.7613% | 4,164 |
| Assets per employee ($millions) | 8.7967% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 3,181 |
| Loan loss allowance to noncurrent loans | 25.2747% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 4.2980% | 1,412 |
| Noncurrent loans to loans | 6.8344% | 740 |
| Net loans and leases to total assets | 57.5636% | 4,573 |
| Net loans and leases to deposits | 80.7864% | 2,557 |
| Net loans and leases to core deposits | 87.4345% | 2,569 |
| Total domestic deposits to total assets | 71.2540% | 6,976 |
| Equity capital to assets | 9.9868% | 4,362 |
| Core capital (leverage) ratio | 8.9411% | 5,028 |
| Tier 1 risk-based capital ratio | 16.7277% | 2,754 |
| Total risk-based capital ratio | 17.9859% | 2,722 |
| Memoranda: | ||
| Average total assets | $6,648,182,750 | 145 |
| Average earning assets | $6,329,139,000 | 141 |
| Average equity | $665,760,750 | 158 |
| Average total loans | $3,892,866,000 | 144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8298% | 7,383 |
| Cost of funding earning assets | 0.4878% | 6,880 |
| Net interest margin | 2.3420% | 7,265 |
| Noninterest income to average assets | 0.7734% | 2,143 |
| Noninterest expense to average assets | 2.1008% | 6,590 |
| Loan and lease loss provision to assets | 0.8457% | 1,068 |
| Net operating income to assets | 0.0302% | 6,169 |
| Return on assets (ROA) | 0.1517% | 5,975 |
| Pretax return on assets | 0.2425% | 5,829 |
| Return on Equity (ROE) | 1.5133% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.5133% | 5,225 |
| Net charge-offs to loans | 1.1310% | 1,382 |
| Credit loss provision to net charge-offs | 127.7133% | 2,394 |
| Earnings coverage of net charge-offs (x) | 1.3568% | 4,264 |
| Efficiency ratio | 69.9281% | 4,137 |
| Assets per employee ($millions) | 8.4642% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 3,472 |
| Loan loss allowance to noncurrent loans | 22.9765% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 4.9662% | 1,234 |
| Noncurrent loans to loans | 7.2057% | 698 |
| Net loans and leases to total assets | 58.8267% | 4,494 |
| Net loans and leases to deposits | 81.8660% | 2,477 |
| Net loans and leases to core deposits | 88.9657% | 2,504 |
| Total domestic deposits to total assets | 71.8573% | 7,015 |
| Equity capital to assets | 10.1978% | 3,882 |
| Core capital (leverage) ratio | 8.9531% | 4,800 |
| Tier 1 risk-based capital ratio | 16.2014% | 2,879 |
| Total risk-based capital ratio | 17.4581% | 2,845 |
| Memoranda: | ||
| Average total assets | $6,612,277,000 | 146 |
| Average earning assets | $6,284,190,670 | 141 |
| Average equity | $662,781,670 | 159 |
| Average total loans | $3,871,390,330 | 148 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8255% | 7,440 |
| Cost of funding earning assets | 0.4914% | 6,999 |
| Net interest margin | 2.3341% | 7,298 |
| Noninterest income to average assets | 0.7766% | 2,126 |
| Noninterest expense to average assets | 2.1287% | 6,571 |
| Loan and lease loss provision to assets | 0.8276% | 1,006 |
| Net operating income to assets | 0.0243% | 6,292 |
| Return on assets (ROA) | 0.1592% | 5,968 |
| Pretax return on assets | 0.2411% | 5,832 |
| Return on Equity (ROE) | 1.6016% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.6016% | 5,151 |
| Net charge-offs to loans | 0.8952% | 1,478 |
| Credit loss provision to net charge-offs | 159.6114% | 1,799 |
| Earnings coverage of net charge-offs (x) | 1.6671% | 3,475 |
| Efficiency ratio | 71.0018% | 4,058 |
| Assets per employee ($millions) | 8.8303% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,587 |
| Loan loss allowance to noncurrent loans | 19.4956% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 5.2983% | 1,162 |
| Noncurrent loans to loans | 8.3913% | 568 |
| Net loans and leases to total assets | 56.9098% | 4,820 |
| Net loans and leases to deposits | 80.8073% | 2,555 |
| Net loans and leases to core deposits | 90.8611% | 2,254 |
| Total domestic deposits to total assets | 70.4265% | 7,163 |
| Equity capital to assets | 9.7207% | 4,146 |
| Core capital (leverage) ratio | 8.8584% | 4,838 |
| Tier 1 risk-based capital ratio | 15.5337% | 3,146 |
| Total risk-based capital ratio | 16.7895% | 3,093 |
| Memoranda: | ||
| Average total assets | $6,630,066,000 | 148 |
| Average earning assets | $6,295,752,500 | 144 |
| Average equity | $658,834,000 | 161 |
| Average total loans | $3,840,091,500 | 148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9810% | 7,497 |
| Cost of funding earning assets | 0.5893% | 7,147 |
| Net interest margin | 2.3916% | 7,326 |
| Noninterest income to average assets | 0.5688% | 3,684 |
| Noninterest expense to average assets | 2.0728% | 6,904 |
| Loan and lease loss provision to assets | 1.1521% | 1,379 |
| Net operating income to assets | -0.2562% | 6,172 |
| Return on assets (ROA) | 0.0193% | 5,911 |
| Pretax return on assets | 0.0287% | 5,840 |
| Return on Equity (ROE) | 0.1843% | 5,908 |
| Retained earnings to average equity (ytd only) | 0.1843% | 5,481 |
| Net charge-offs to loans | 2.5528% | 733 |
| Credit loss provision to net charge-offs | 80.5362% | 5,548 |
| Earnings coverage of net charge-offs (x) | 0.5379% | 5,573 |
| Efficiency ratio | 72.7831% | 3,641 |
| Assets per employee ($millions) | 8.5807% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,689 |
| Loan loss allowance to noncurrent loans | 18.9738% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 5.2758% | 1,181 |
| Noncurrent loans to loans | 8.2868% | 609 |
| Net loans and leases to total assets | 57.0737% | 5,177 |
| Net loans and leases to deposits | 78.4139% | 3,445 |
| Net loans and leases to core deposits | 89.2534% | 2,868 |
| Total domestic deposits to total assets | 72.7852% | 7,016 |
| Equity capital to assets | 10.1635% | 3,541 |
| Core capital (leverage) ratio | 8.9656% | 4,603 |
| Tier 1 risk-based capital ratio | 16.8701% | 2,398 |
| Total risk-based capital ratio | 18.1258% | 2,361 |
| Memoranda: | ||
| Average total assets | $6,310,223,800 | 150 |
| Average earning assets | $5,998,656,800 | 147 |
| Average equity | $661,849,600 | 155 |
| Average total loans | $3,536,055,000 | 159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9759% | 7,626 |
| Cost of funding earning assets | 0.6036% | 7,282 |
| Net interest margin | 2.3723% | 7,456 |
| Noninterest income to average assets | 0.5229% | 4,004 |
| Noninterest expense to average assets | 2.0899% | 6,867 |
| Loan and lease loss provision to assets | 0.9256% | 1,624 |
| Net operating income to assets | -0.1583% | 6,259 |
| Return on assets (ROA) | 0.1145% | 5,893 |
| Pretax return on assets | 0.1735% | 5,785 |
| Return on Equity (ROE) | 1.0834% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.0834% | 5,381 |
| Net charge-offs to loans | 2.3081% | 772 |
| Credit loss provision to net charge-offs | 72.2112% | 5,359 |
| Earnings coverage of net charge-offs (x) | 0.5350% | 5,490 |
| Efficiency ratio | 75.1422% | 3,118 |
| Assets per employee ($millions) | 8.7620% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,409 |
| Loan loss allowance to noncurrent loans | 16.1240% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 6.1574% | 961 |
| Noncurrent loans to loans | 10.0997% | 412 |
| Net loans and leases to total assets | 54.5435% | 5,766 |
| Net loans and leases to deposits | 78.4272% | 3,748 |
| Net loans and leases to core deposits | 87.4118% | 3,461 |
| Total domestic deposits to total assets | 69.5467% | 7,296 |
| Equity capital to assets | 10.1291% | 3,980 |
| Core capital (leverage) ratio | 9.6283% | 3,717 |
| Tier 1 risk-based capital ratio | 18.0354% | 2,014 |
| Total risk-based capital ratio | 19.2916% | 1,975 |
| Memoranda: | ||
| Average total assets | $6,268,165,750 | 149 |
| Average earning assets | $5,952,114,500 | 145 |
| Average equity | $662,702,250 | 153 |
| Average total loans | $3,480,928,750 | 157 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9758% | 7,714 |
| Cost of funding earning assets | 0.6267% | 7,347 |
| Net interest margin | 2.3492% | 7,508 |
| Noninterest income to average assets | 0.5539% | 3,677 |
| Noninterest expense to average assets | 2.1857% | 6,681 |
| Loan and lease loss provision to assets | 0.8253% | 1,756 |
| Net operating income to assets | -0.1521% | 6,293 |
| Return on assets (ROA) | 0.1150% | 5,929 |
| Pretax return on assets | 0.1742% | 5,835 |
| Return on Equity (ROE) | 1.0712% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.0712% | 5,335 |
| Net charge-offs to loans | 2.2577% | 793 |
| Credit loss provision to net charge-offs | 65.7857% | 5,081 |
| Earnings coverage of net charge-offs (x) | 0.4741% | 5,241 |
| Efficiency ratio | 78.4440% | 2,655 |
| Assets per employee ($millions) | 8.2935% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 2,994 |
| Loan loss allowance to noncurrent loans | 16.3625% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 6.6152% | 834 |
| Noncurrent loans to loans | 10.5184% | 404 |
| Net loans and leases to total assets | 56.2924% | 5,660 |
| Net loans and leases to deposits | 80.8646% | 3,457 |
| Net loans and leases to core deposits | 90.6595% | 3,170 |
| Total domestic deposits to total assets | 69.6133% | 7,350 |
| Equity capital to assets | 10.3330% | 3,609 |
| Core capital (leverage) ratio | 10.0662% | 3,097 |
| Tier 1 risk-based capital ratio | 17.7740% | 2,012 |
| Total risk-based capital ratio | 19.0314% | 1,978 |
| Memoranda: | ||
| Average total assets | $6,146,621,000 | 151 |
| Average earning assets | $5,825,795,000 | 145 |
| Average equity | $659,654,670 | 153 |
| Average total loans | $3,415,354,000 | 160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0023% | 7,807 |
| Cost of funding earning assets | 0.6417% | 7,465 |
| Net interest margin | 2.3606% | 7,560 |
| Noninterest income to average assets | 0.5721% | 3,478 |
| Noninterest expense to average assets | 2.1840% | 6,731 |
| Loan and lease loss provision to assets | 0.7898% | 1,601 |
| Net operating income to assets | -0.1078% | 6,440 |
| Return on assets (ROA) | 0.0843% | 6,170 |
| Pretax return on assets | 0.1272% | 6,066 |
| Return on Equity (ROE) | 0.7702% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.7702% | 5,517 |
| Net charge-offs to loans | 1.5593% | 1,116 |
| Credit loss provision to net charge-offs | 92.6873% | 3,595 |
| Earnings coverage of net charge-offs (x) | 0.7346% | 4,370 |
| Efficiency ratio | 77.5562% | 2,967 |
| Assets per employee ($millions) | 7.7772% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3398% | 1,518 |
| Loan loss allowance to noncurrent loans | 17.8757% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 7.4577% | 686 |
| Noncurrent loans to loans | 13.0895% | 246 |
| Net loans and leases to total assets | 52.5560% | 6,211 |
| Net loans and leases to deposits | 72.5547% | 4,979 |
| Net loans and leases to core deposits | 80.4054% | 4,715 |
| Total domestic deposits to total assets | 72.4364% | 7,226 |
| Equity capital to assets | 10.9701% | 2,791 |
| Core capital (leverage) ratio | 10.1761% | 2,955 |
| Tier 1 risk-based capital ratio | 20.9271% | 1,351 |
| Total risk-based capital ratio | 22.1936% | 1,324 |
| Memoranda: | ||
| Average total assets | $6,002,045,000 | 153 |
| Average earning assets | $5,689,683,500 | 147 |
| Average equity | $656,977,500 | 153 |
| Average total loans | $3,279,882,000 | 170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 7,787 |
| Cost of funding earning assets | 0.8317% | 7,509 |
| Net interest margin | 2.8563% | 6,947 |
| Noninterest income to average assets | 0.5815% | 3,771 |
| Noninterest expense to average assets | 2.2934% | 6,763 |
| Loan and lease loss provision to assets | 2.2255% | 930 |
| Net operating income to assets | -0.8135% | 6,444 |
| Return on assets (ROA) | -0.4338% | 6,111 |
| Pretax return on assets | -0.6573% | 6,141 |
| Return on Equity (ROE) | -4.2823% | 6,141 |
| Retained earnings to average equity (ytd only) | -4.7812% | 5,992 |
| Net charge-offs to loans | 4.1038% | 391 |
| Credit loss provision to net charge-offs | 103.1387% | 5,354 |
| Earnings coverage of net charge-offs (x) | 0.4601% | 5,652 |
| Efficiency ratio | 69.6440% | 4,709 |
| Assets per employee ($millions) | 7.6628% | 585 |
| Cash dividends to net income (ytd only)* | -11.6509% | 7,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3052% | 1,473 |
| Loan loss allowance to noncurrent loans | 18.4560% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 7.3777% | 664 |
| Noncurrent loans to loans | 12.4900% | 261 |
| Net loans and leases to total assets | 54.2007% | 6,178 |
| Net loans and leases to deposits | 73.8204% | 5,070 |
| Net loans and leases to core deposits | 88.1926% | 5,307 |
| Total domestic deposits to total assets | 73.4225% | 7,100 |
| Equity capital to assets | 10.9216% | 2,760 |
| Core capital (leverage) ratio | 10.0903% | 3,007 |
| Tier 1 risk-based capital ratio | 20.7808% | 1,329 |
| Total risk-based capital ratio | 22.0474% | 1,293 |
| Memoranda: | ||
| Average total assets | $5,935,812,800 | 152 |
| Average earning assets | $5,620,998,800 | 149 |
| Average equity | $601,288,600 | 162 |
| Average total loans | $3,121,047,000 | 185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 7,866 |
| Cost of funding earning assets | 0.8703% | 7,603 |
| Net interest margin | 2.9326% | 6,771 |
| Noninterest income to average assets | 0.5551% | 4,040 |
| Noninterest expense to average assets | 2.2829% | 6,747 |
| Loan and lease loss provision to assets | 2.5575% | 644 |
| Net operating income to assets | -0.9973% | 6,828 |
| Return on assets (ROA) | -0.7192% | 6,638 |
| Pretax return on assets | -1.0897% | 6,749 |
| Return on Equity (ROE) | -7.2429% | 6,684 |
| Retained earnings to average equity (ytd only) | -7.9232% | 6,593 |
| Net charge-offs to loans | 3.8750% | 372 |
| Credit loss provision to net charge-offs | 127.3002% | 3,946 |
| Earnings coverage of net charge-offs (x) | 0.5208% | 5,509 |
| Efficiency ratio | 68.4266% | 4,889 |
| Assets per employee ($millions) | 7.4189% | 661 |
| Cash dividends to net income (ytd only)* | -9.3920% | 7,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1356% | 597 |
| Loan loss allowance to noncurrent loans | 21.5621% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 8.0292% | 536 |
| Noncurrent loans to loans | 14.5422% | 161 |
| Net loans and leases to total assets | 51.1785% | 6,684 |
| Net loans and leases to deposits | 71.6704% | 5,704 |
| Net loans and leases to core deposits | 87.8204% | 5,659 |
| Total domestic deposits to total assets | 71.4081% | 7,288 |
| Equity capital to assets | 10.3356% | 3,688 |
| Core capital (leverage) ratio | 9.6451% | 3,721 |
| Tier 1 risk-based capital ratio | 19.1076% | 1,722 |
| Total risk-based capital ratio | 20.3831% | 1,680 |
| Memoranda: | ||
| Average total assets | $5,921,695,250 | 160 |
| Average earning assets | $5,601,745,500 | 155 |
| Average equity | $587,998,000 | 167 |
| Average total loans | $3,070,184,500 | 201 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 7,938 |
| Cost of funding earning assets | 0.9223% | 7,669 |
| Net interest margin | 2.9856% | 6,590 |
| Noninterest income to average assets | 0.5427% | 4,090 |
| Noninterest expense to average assets | 2.3257% | 6,686 |
| Loan and lease loss provision to assets | 2.2199% | 719 |
| Net operating income to assets | -0.7846% | 6,822 |
| Return on assets (ROA) | -0.4680% | 6,524 |
| Pretax return on assets | -0.7078% | 6,609 |
| Return on Equity (ROE) | -4.7770% | 6,582 |
| Retained earnings to average equity (ytd only) | -5.8073% | 6,422 |
| Net charge-offs to loans | 3.3543% | 472 |
| Credit loss provision to net charge-offs | 128.4507% | 3,621 |
| Earnings coverage of net charge-offs (x) | 0.5973% | 5,115 |
| Efficiency ratio | 69.1167% | 4,954 |
| Assets per employee ($millions) | 7.0406% | 764 |
| Cash dividends to net income (ytd only)* | -21.5688% | 7,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8069% | 676 |
| Loan loss allowance to noncurrent loans | 26.1476% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 6.2872% | 753 |
| Noncurrent loans to loans | 10.7347% | 299 |
| Net loans and leases to total assets | 53.8274% | 6,476 |
| Net loans and leases to deposits | 74.7087% | 5,350 |
| Net loans and leases to core deposits | 92.1023% | 5,338 |
| Total domestic deposits to total assets | 72.0497% | 7,235 |
| Equity capital to assets | 11.0443% | 2,874 |
| Core capital (leverage) ratio | 9.8953% | 3,399 |
| Tier 1 risk-based capital ratio | 18.3331% | 1,923 |
| Total risk-based capital ratio | 19.6020% | 1,866 |
| Memoranda: | ||
| Average total assets | $5,944,423,000 | 164 |
| Average earning assets | $5,605,481,670 | 159 |
| Average equity | $582,333,000 | 173 |
| Average total loans | $3,062,675,330 | 204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 8,019 |
| Cost of funding earning assets | 0.9771% | 7,708 |
| Net interest margin | 2.9077% | 6,728 |
| Noninterest income to average assets | 0.5194% | 4,139 |
| Noninterest expense to average assets | 2.2089% | 6,846 |
| Loan and lease loss provision to assets | 1.1933% | 1,087 |
| Net operating income to assets | -0.0915% | 6,401 |
| Return on assets (ROA) | 0.0664% | 6,233 |
| Pretax return on assets | 0.1029% | 6,162 |
| Return on Equity (ROE) | 0.7196% | 6,216 |
| Retained earnings to average equity (ytd only) | -0.3449% | 5,728 |
| Net charge-offs to loans | 3.4510% | 355 |
| Credit loss provision to net charge-offs | 69.5032% | 4,366 |
| Earnings coverage of net charge-offs (x) | 0.6135% | 4,507 |
| Efficiency ratio | 67.5703% | 5,043 |
| Assets per employee ($millions) | 7.7567% | 557 |
| Cash dividends to net income (ytd only)* | 147.9290% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1735% | 1,113 |
| Loan loss allowance to noncurrent loans | 21.6127% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 5.1612% | 860 |
| Noncurrent loans to loans | 10.0566% | 287 |
| Net loans and leases to total assets | 46.9260% | 7,113 |
| Net loans and leases to deposits | 68.2309% | 6,160 |
| Net loans and leases to core deposits | 87.9530% | 5,744 |
| Total domestic deposits to total assets | 68.7754% | 7,538 |
| Equity capital to assets | 9.1610% | 5,133 |
| Core capital (leverage) ratio | 8.6743% | 5,198 |
| Tier 1 risk-based capital ratio | 15.0426% | 3,047 |
| Total risk-based capital ratio | 16.3000% | 2,984 |
| Memoranda: | ||
| Average total assets | $6,110,944,000 | 163 |
| Average earning assets | $5,764,274,000 | 152 |
| Average equity | $563,630,000 | 173 |
| Average total loans | $3,040,168,500 | 203 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 7,861 |
| Cost of funding earning assets | 1.5825% | 7,482 |
| Net interest margin | 3.3797% | 5,743 |
| Noninterest income to average assets | 0.4918% | 4,671 |
| Noninterest expense to average assets | 2.3731% | 6,494 |
| Loan and lease loss provision to assets | 1.2712% | 1,125 |
| Net operating income to assets | -0.0338% | 6,414 |
| Return on assets (ROA) | 0.0415% | 6,112 |
| Pretax return on assets | 0.0385% | 6,078 |
| Return on Equity (ROE) | 0.4970% | 6,079 |
| Retained earnings to average equity (ytd only) | -1.0229% | 5,610 |
| Net charge-offs to loans | 1.2467% | 964 |
| Credit loss provision to net charge-offs | 190.4809% | 2,585 |
| Earnings coverage of net charge-offs (x) | 1.8496% | 5,146 |
| Efficiency ratio | 65.6536% | 5,198 |
| Assets per employee ($millions) | 6.8536% | 755 |
| Cash dividends to net income (ytd only)* | 305.8075% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3368% | 809 |
| Loan loss allowance to noncurrent loans | 33.0647% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 3.9722% | 1,041 |
| Noncurrent loans to loans | 7.0674% | 429 |
| Net loans and leases to total assets | 50.3764% | 6,991 |
| Net loans and leases to deposits | 69.5922% | 6,316 |
| Net loans and leases to core deposits | 93.5082% | 5,493 |
| Total domestic deposits to total assets | 72.3879% | 6,931 |
| Equity capital to assets | 9.2874% | 4,951 |
| Core capital (leverage) ratio | 8.6931% | 5,206 |
| Tier 1 risk-based capital ratio | 15.4756% | 2,852 |
| Total risk-based capital ratio | 16.7364% | 2,785 |
| Memoranda: | ||
| Average total assets | $6,057,190,400 | 164 |
| Average earning assets | $5,583,805,600 | 156 |
| Average equity | $505,793,800 | 190 |
| Average total loans | $3,242,418,000 | 193 |