Home > Bank Leumi USA > Performance and Condition Ratios
Bank Leumi USA, Performance and Condition Ratios
| 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 | 3.3226% | 2,314 |
| Cost of funding earning assets | 0.0889% | 4,262 |
| Net interest margin | 3.2337% | 1,768 |
| Noninterest income to average assets | 0.8964% | 843 |
| Noninterest expense to average assets | 2.4459% | 2,029 |
| Loan and lease loss provision to assets | 0.1368% | 585 |
| Net operating income to assets | 0.9294% | 2,156 |
| Return on assets (ROA) | 1.0443% | 1,707 |
| Pretax return on assets | 1.5120% | 996 |
| Return on Equity (ROE) | 9.6986% | 2,082 |
| Retained earnings to average equity (ytd only) | 9.6986% | 1,095 |
| Net charge-offs to loans | 0.8510% | 82 |
| Credit loss provision to net charge-offs | 22.4787% | 1,286 |
| Earnings coverage of net charge-offs (x) | 2.4697% | 1,704 |
| Efficiency ratio | 61.9338% | 3,266 |
| Assets per employee ($millions) | 18.3101% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,698 |
| Loan loss allowance to noncurrent loans | 143.4495% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 1,169 |
| Noncurrent loans to loans | 0.7012% | 1,354 |
| Net loans and leases to total assets | 72.4216% | 793 |
| Net loans and leases to deposits | 84.5057% | 853 |
| Net loans and leases to core deposits | 87.6651% | 1,043 |
| Total domestic deposits to total assets | 85.5426% | 3,407 |
| Equity capital to assets | 10.5696% | 1,566 |
| Core capital (leverage) ratio | 11.2345% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8754% | 2,266 |
| Memoranda: | ||
| Average total assets | $8,255,587,500 | 181 |
| Average earning assets | $7,793,963,500 | 176 |
| Average equity | $888,954,500 | 181 |
| Average total loans | $5,904,929,500 | 167 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 3,204 |
| Cost of funding earning assets | 0.1128% | 4,287 |
| Net interest margin | 3.1917% | 2,618 |
| Noninterest income to average assets | 0.7812% | 1,505 |
| Noninterest expense to average assets | 2.3507% | 2,658 |
| Loan and lease loss provision to assets | 0.0776% | 1,572 |
| Net operating income to assets | 1.0315% | 2,553 |
| Return on assets (ROA) | 1.0276% | 2,638 |
| Pretax return on assets | 1.3632% | 2,164 |
| Return on Equity (ROE) | 9.3854% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.3854% | 1,077 |
| Net charge-offs to loans | 0.2826% | 316 |
| Credit loss provision to net charge-offs | 40.0077% | 2,197 |
| Earnings coverage of net charge-offs (x) | 7.4535% | 2,343 |
| Efficiency ratio | 61.9186% | 2,883 |
| Assets per employee ($millions) | 18.2599% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,856 |
| Loan loss allowance to noncurrent loans | 124.8847% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 950 |
| Noncurrent loans to loans | 0.9664% | 1,034 |
| Net loans and leases to total assets | 69.0724% | 1,140 |
| Net loans and leases to deposits | 80.8833% | 1,142 |
| Net loans and leases to core deposits | 84.6116% | 1,287 |
| Total domestic deposits to total assets | 85.3916% | 3,139 |
| Equity capital to assets | 10.9637% | 1,813 |
| Core capital (leverage) ratio | 11.6617% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4310% | 2,073 |
| Memoranda: | ||
| Average total assets | $8,017,832,000 | 186 |
| Average earning assets | $7,574,692,000 | 180 |
| Average equity | $877,906,400 | 185 |
| Average total loans | $5,502,220,800 | 179 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 3,372 |
| Cost of funding earning assets | 0.1197% | 4,355 |
| Net interest margin | 3.1887% | 2,763 |
| Noninterest income to average assets | 0.8070% | 1,502 |
| Noninterest expense to average assets | 2.3438% | 2,617 |
| Loan and lease loss provision to assets | 0.0651% | 1,699 |
| Net operating income to assets | 1.0607% | 2,688 |
| Return on assets (ROA) | 1.0556% | 2,781 |
| Pretax return on assets | 1.3982% | 2,339 |
| Return on Equity (ROE) | 9.6441% | 2,865 |
| Retained earnings to average equity (ytd only) | 9.6441% | 1,436 |
| Net charge-offs to loans | 0.2804% | 288 |
| Credit loss provision to net charge-offs | 33.9730% | 1,939 |
| Earnings coverage of net charge-offs (x) | 7.6742% | 2,125 |
| Efficiency ratio | 61.4617% | 2,774 |
| Assets per employee ($millions) | 16.6755% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,453 |
| Loan loss allowance to noncurrent loans | 137.5636% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 1,149 |
| Noncurrent loans to loans | 0.9500% | 1,211 |
| Net loans and leases to total assets | 68.1171% | 1,308 |
| Net loans and leases to deposits | 80.1913% | 1,276 |
| Net loans and leases to core deposits | 84.4199% | 1,394 |
| Total domestic deposits to total assets | 84.6950% | 3,221 |
| Equity capital to assets | 11.2474% | 1,857 |
| Core capital (leverage) ratio | 10.9449% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1342% | 1,920 |
| Memoranda: | ||
| Average total assets | $7,945,228,000 | 186 |
| Average earning assets | $7,491,358,250 | 178 |
| Average equity | $869,660,000 | 185 |
| Average total loans | $5,425,574,250 | 183 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 3,497 |
| Cost of funding earning assets | 0.1272% | 4,372 |
| Net interest margin | 3.1454% | 2,904 |
| Noninterest income to average assets | 0.7948% | 1,551 |
| Noninterest expense to average assets | 2.3562% | 2,602 |
| Loan and lease loss provision to assets | -0.0131% | 4,414 |
| Net operating income to assets | 1.0692% | 2,650 |
| Return on assets (ROA) | 1.0623% | 2,748 |
| Pretax return on assets | 1.4070% | 2,318 |
| Return on Equity (ROE) | 9.7954% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.7954% | 1,464 |
| Net charge-offs to loans | 0.3566% | 238 |
| Credit loss provision to net charge-offs | -5.4107% | 2,899 |
| Earnings coverage of net charge-offs (x) | 5.7806% | 1,980 |
| Efficiency ratio | 62.6839% | 2,631 |
| Assets per employee ($millions) | 17.6177% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,515 |
| Loan loss allowance to noncurrent loans | 137.2395% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 1,381 |
| Noncurrent loans to loans | 0.9360% | 1,320 |
| Net loans and leases to total assets | 63.7613% | 1,977 |
| Net loans and leases to deposits | 74.4899% | 1,953 |
| Net loans and leases to core deposits | 78.7760% | 1,983 |
| Total domestic deposits to total assets | 85.5528% | 2,889 |
| Equity capital to assets | 10.4899% | 2,402 |
| Core capital (leverage) ratio | 10.4808% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2655% | 1,879 |
| Memoranda: | ||
| Average total assets | $7,936,672,333 | 187 |
| Average earning assets | $7,478,850,000 | 178 |
| Average equity | $860,706,000 | 185 |
| Average total loans | $5,400,286,000 | 184 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3174% | 3,406 |
| Cost of funding earning assets | 0.1427% | 4,355 |
| Net interest margin | 3.1747% | 2,774 |
| Noninterest income to average assets | 0.8592% | 1,431 |
| Noninterest expense to average assets | 2.3835% | 2,545 |
| Loan and lease loss provision to assets | 0.0545% | 2,020 |
| Net operating income to assets | 1.0657% | 2,586 |
| Return on assets (ROA) | 1.0508% | 2,712 |
| Pretax return on assets | 1.3826% | 2,329 |
| Return on Equity (ROE) | 9.5210% | 2,848 |
| Retained earnings to average equity (ytd only) | 9.5210% | 1,795 |
| Net charge-offs to loans | 0.7472% | 105 |
| Credit loss provision to net charge-offs | 10.4319% | 1,447 |
| Earnings coverage of net charge-offs (x) | 2.7873% | 1,795 |
| Efficiency ratio | 62.0791% | 2,742 |
| Assets per employee ($millions) | 17.3737% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,413 |
| Loan loss allowance to noncurrent loans | 135.8781% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 1,509 |
| Noncurrent loans to loans | 0.9611% | 1,408 |
| Net loans and leases to total assets | 64.5982% | 1,968 |
| Net loans and leases to deposits | 75.1462% | 2,000 |
| Net loans and leases to core deposits | 80.2052% | 1,984 |
| Total domestic deposits to total assets | 85.7237% | 2,850 |
| Equity capital to assets | 10.2322% | 2,496 |
| Core capital (leverage) ratio | 10.8522% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2468% | 1,836 |
| Memoranda: | ||
| Average total assets | $7,729,607,500 | 188 |
| Average earning assets | $7,256,218,000 | 181 |
| Average equity | $853,065,500 | 186 |
| Average total loans | $5,403,497,000 | 186 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 3,418 |
| Cost of funding earning assets | 0.3947% | 3,613 |
| Net interest margin | 3.3638% | 2,888 |
| Noninterest income to average assets | 0.7430% | 1,711 |
| Noninterest expense to average assets | 2.4776% | 2,915 |
| Loan and lease loss provision to assets | 0.7244% | 209 |
| Net operating income to assets | 0.5170% | 3,992 |
| Return on assets (ROA) | 0.6681% | 3,660 |
| Pretax return on assets | 0.8945% | 3,379 |
| Return on Equity (ROE) | 5.6866% | 3,685 |
| Retained earnings to average equity (ytd only) | -2.8598% | 4,755 |
| Net charge-offs to loans | 0.4844% | 335 |
| Credit loss provision to net charge-offs | 201.9170% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.9790% | 3,041 |
| Efficiency ratio | 63.4441% | 2,905 |
| Assets per employee ($millions) | 15.4691% | 164 |
| Cash dividends to net income (ytd only)* | 150.2893% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,706 |
| Loan loss allowance to noncurrent loans | 95.5229% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.1511% | 774 |
| Noncurrent loans to loans | 1.5352% | 865 |
| Net loans and leases to total assets | 73.8837% | 1,034 |
| Net loans and leases to deposits | 89.4444% | 969 |
| Net loans and leases to core deposits | 98.8910% | 961 |
| Total domestic deposits to total assets | 82.3933% | 3,567 |
| Equity capital to assets | 11.9530% | 1,597 |
| Core capital (leverage) ratio | 11.4143% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0730% | 1,828 |
| Memoranda: | ||
| Average total assets | $7,269,983,400 | 184 |
| Average earning assets | $6,834,090,000 | 181 |
| Average equity | $854,163,600 | 180 |
| Average total loans | $5,384,650,200 | 180 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 3,439 |
| Cost of funding earning assets | 0.4529% | 3,510 |
| Net interest margin | 3.3878% | 2,957 |
| Noninterest income to average assets | 0.6701% | 1,902 |
| Noninterest expense to average assets | 2.4384% | 3,029 |
| Loan and lease loss provision to assets | 0.8895% | 178 |
| Net operating income to assets | 0.4147% | 4,234 |
| Return on assets (ROA) | 0.6102% | 3,832 |
| Pretax return on assets | 0.7738% | 3,719 |
| Return on Equity (ROE) | 5.2162% | 3,824 |
| Retained earnings to average equity (ytd only) | -6.2098% | 4,873 |
| Net charge-offs to loans | 0.3475% | 452 |
| Credit loss provision to net charge-offs | 346.7028% | 1,619 |
| Earnings coverage of net charge-offs (x) | 5.5181% | 2,724 |
| Efficiency ratio | 63.2661% | 2,870 |
| Assets per employee ($millions) | 15.7765% | 144 |
| Cash dividends to net income (ytd only)* | 219.0482% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 1,081 |
| Loan loss allowance to noncurrent loans | 69.6072% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 456 |
| Noncurrent loans to loans | 2.3082% | 483 |
| Net loans and leases to total assets | 72.8186% | 1,534 |
| Net loans and leases to deposits | 86.5839% | 1,637 |
| Net loans and leases to core deposits | 100.2951% | 1,144 |
| Total domestic deposits to total assets | 81.9911% | 3,422 |
| Equity capital to assets | 11.5880% | 1,943 |
| Core capital (leverage) ratio | 11.1307% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7798% | 1,900 |
| Memoranda: | ||
| Average total assets | $7,281,457,000 | 182 |
| Average earning assets | $6,843,681,500 | 178 |
| Average equity | $851,830,000 | 180 |
| Average total loans | $5,376,598,250 | 180 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 3,319 |
| Cost of funding earning assets | 0.5481% | 3,249 |
| Net interest margin | 3.4530% | 2,937 |
| Noninterest income to average assets | 0.6852% | 1,793 |
| Noninterest expense to average assets | 2.4315% | 3,167 |
| Loan and lease loss provision to assets | 0.6980% | 398 |
| Net operating income to assets | 0.6391% | 3,614 |
| Return on assets (ROA) | 0.8095% | 3,125 |
| Pretax return on assets | 1.0217% | 2,962 |
| Return on Equity (ROE) | 6.8979% | 3,170 |
| Retained earnings to average equity (ytd only) | -10.2424% | 4,923 |
| Net charge-offs to loans | 0.2134% | 729 |
| Credit loss provision to net charge-offs | 443.3147% | 1,318 |
| Earnings coverage of net charge-offs (x) | 9.5520% | 2,214 |
| Efficiency ratio | 61.7838% | 3,158 |
| Assets per employee ($millions) | 15.7898% | 148 |
| Cash dividends to net income (ytd only)* | 248.4853% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 1,882 |
| Loan loss allowance to noncurrent loans | 82.3378% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 901 |
| Noncurrent loans to loans | 1.6116% | 913 |
| Net loans and leases to total assets | 74.0283% | 1,408 |
| Net loans and leases to deposits | 90.5015% | 1,309 |
| Net loans and leases to core deposits | 111.6871% | 680 |
| Total domestic deposits to total assets | 78.9838% | 4,040 |
| Equity capital to assets | 11.7095% | 1,829 |
| Core capital (leverage) ratio | 10.8621% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5248% | 1,991 |
| Memoranda: | ||
| Average total assets | $7,257,985,333 | 181 |
| Average earning assets | $6,831,916,667 | 177 |
| Average equity | $851,796,000 | 179 |
| Average total loans | $5,355,147,333 | 177 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 3,042 |
| Cost of funding earning assets | 0.7305% | 2,777 |
| Net interest margin | 3.5267% | 2,891 |
| Noninterest income to average assets | 0.7798% | 1,370 |
| Noninterest expense to average assets | 2.5222% | 3,207 |
| Loan and lease loss provision to assets | 0.4439% | 682 |
| Net operating income to assets | 0.8949% | 2,543 |
| Return on assets (ROA) | 0.9993% | 2,281 |
| Pretax return on assets | 1.2785% | 1,936 |
| Return on Equity (ROE) | 8.5048% | 2,311 |
| Retained earnings to average equity (ytd only) | -25.7868% | 5,016 |
| Net charge-offs to loans | 0.1540% | 840 |
| Credit loss provision to net charge-offs | 394.0225% | 1,022 |
| Earnings coverage of net charge-offs (x) | 14.1171% | 1,616 |
| Efficiency ratio | 61.3311% | 3,574 |
| Assets per employee ($millions) | 16.8379% | 99 |
| Cash dividends to net income (ytd only)* | 403.2035% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,316 |
| Loan loss allowance to noncurrent loans | 83.9544% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 1,448 |
| Noncurrent loans to loans | 1.2858% | 1,272 |
| Net loans and leases to total assets | 70.8595% | 2,107 |
| Net loans and leases to deposits | 94.7154% | 1,017 |
| Net loans and leases to core deposits | 129.8432% | 271 |
| Total domestic deposits to total assets | 71.8825% | 4,777 |
| Equity capital to assets | 10.9693% | 2,884 |
| Core capital (leverage) ratio | 11.4903% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4770% | 2,485 |
| Memoranda: | ||
| Average total assets | $7,247,432,500 | 179 |
| Average earning assets | $6,848,789,500 | 174 |
| Average equity | $851,522,500 | 181 |
| Average total loans | $5,302,195,000 | 177 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 2,366 |
| Cost of funding earning assets | 1.1314% | 1,224 |
| Net interest margin | 3.5552% | 3,271 |
| Noninterest income to average assets | 0.8053% | 1,437 |
| Noninterest expense to average assets | 2.5224% | 3,385 |
| Loan and lease loss provision to assets | 0.2834% | 612 |
| Net operating income to assets | 1.0205% | 2,768 |
| Return on assets (ROA) | 1.0848% | 2,598 |
| Pretax return on assets | 1.4335% | 2,031 |
| Return on Equity (ROE) | 8.9322% | 2,785 |
| Retained earnings to average equity (ytd only) | 1.7924% | 4,088 |
| Net charge-offs to loans | 0.4078% | 476 |
| Credit loss provision to net charge-offs | 94.7610% | 2,593 |
| Earnings coverage of net charge-offs (x) | 5.4695% | 3,082 |
| Efficiency ratio | 60.6650% | 3,595 |
| Assets per employee ($millions) | 15.2642% | 115 |
| Cash dividends to net income (ytd only)* | 79.9339% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,336 |
| Loan loss allowance to noncurrent loans | 63.3659% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 966 |
| Noncurrent loans to loans | 1.6187% | 866 |
| Net loans and leases to total assets | 74.0799% | 1,732 |
| Net loans and leases to deposits | 94.2737% | 1,134 |
| Net loans and leases to core deposits | 126.1859% | 340 |
| Total domestic deposits to total assets | 74.6584% | 4,727 |
| Equity capital to assets | 12.6116% | 1,761 |
| Core capital (leverage) ratio | 12.4632% | 1,506 |
| Tier 1 risk-based capital ratio | 14.0375% | 3,248 |
| Total risk-based capital ratio | 14.9135% | 3,337 |
| Memoranda: | ||
| Average total assets | $6,919,606,200 | 178 |
| Average earning assets | $6,525,189,200 | 170 |
| Average equity | $840,349,200 | 178 |
| Average total loans | $5,073,972,400 | 174 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 2,175 |
| Cost of funding earning assets | 1.2022% | 1,035 |
| Net interest margin | 3.5787% | 3,308 |
| Noninterest income to average assets | 0.7744% | 1,507 |
| Noninterest expense to average assets | 2.4600% | 3,537 |
| Loan and lease loss provision to assets | 0.3475% | 392 |
| Net operating income to assets | 0.9997% | 2,985 |
| Return on assets (ROA) | 1.0853% | 2,721 |
| Pretax return on assets | 1.4472% | 2,129 |
| Return on Equity (ROE) | 9.0230% | 2,880 |
| Retained earnings to average equity (ytd only) | -0.5761% | 4,818 |
| Net charge-offs to loans | 0.5202% | 326 |
| Credit loss provision to net charge-offs | 91.5665% | 2,378 |
| Earnings coverage of net charge-offs (x) | 4.4439% | 3,009 |
| Efficiency ratio | 59.3299% | 3,764 |
| Assets per employee ($millions) | 14.8983% | 125 |
| Cash dividends to net income (ytd only)* | 106.3849% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,353 |
| Loan loss allowance to noncurrent loans | 56.4401% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 867 |
| Noncurrent loans to loans | 1.8402% | 767 |
| Net loans and leases to total assets | 73.1524% | 1,972 |
| Net loans and leases to deposits | 90.6507% | 1,613 |
| Net loans and leases to core deposits | 125.8704% | 364 |
| Total domestic deposits to total assets | 76.9127% | 4,523 |
| Equity capital to assets | 12.4241% | 1,970 |
| Core capital (leverage) ratio | 12.0295% | 1,832 |
| Tier 1 risk-based capital ratio | 13.8958% | 3,380 |
| Total risk-based capital ratio | 14.7746% | 3,466 |
| Memoranda: | ||
| Average total assets | $6,928,474,500 | 178 |
| Average earning assets | $6,528,181,750 | 172 |
| Average equity | $833,386,750 | 180 |
| Average total loans | $5,054,312,500 | 175 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 2,013 |
| Cost of funding earning assets | 1.2191% | 941 |
| Net interest margin | 3.5968% | 3,265 |
| Noninterest income to average assets | 0.7239% | 1,630 |
| Noninterest expense to average assets | 2.4289% | 3,663 |
| Loan and lease loss provision to assets | 0.3370% | 385 |
| Net operating income to assets | 1.0099% | 2,883 |
| Return on assets (ROA) | 1.0538% | 2,773 |
| Pretax return on assets | 1.4053% | 2,193 |
| Return on Equity (ROE) | 8.8561% | 2,915 |
| Retained earnings to average equity (ytd only) | -5.6154% | 5,077 |
| Net charge-offs to loans | 0.4393% | 373 |
| Credit loss provision to net charge-offs | 105.6130% | 1,891 |
| Earnings coverage of net charge-offs (x) | 5.2861% | 2,675 |
| Efficiency ratio | 59.0175% | 3,857 |
| Assets per employee ($millions) | 15.1608% | 101 |
| Cash dividends to net income (ytd only)* | 163.4076% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,186 |
| Loan loss allowance to noncurrent loans | 53.5969% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 762 |
| Noncurrent loans to loans | 2.0129% | 706 |
| Net loans and leases to total assets | 73.0013% | 2,059 |
| Net loans and leases to deposits | 89.4841% | 1,802 |
| Net loans and leases to core deposits | 136.1622% | 234 |
| Total domestic deposits to total assets | 76.9928% | 4,561 |
| Equity capital to assets | 11.9745% | 2,201 |
| Core capital (leverage) ratio | 11.7080% | 2,015 |
| Tier 1 risk-based capital ratio | 13.6625% | 3,505 |
| Total risk-based capital ratio | 14.5835% | 3,570 |
| Memoranda: | ||
| Average total assets | $6,968,458,330 | 178 |
| Average earning assets | $6,570,879,670 | 172 |
| Average equity | $829,215,330 | 182 |
| Average total loans | $5,061,460,670 | 173 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 1,948 |
| Cost of funding earning assets | 1.2058% | 891 |
| Net interest margin | 3.5780% | 3,336 |
| Noninterest income to average assets | 0.6649% | 1,750 |
| Noninterest expense to average assets | 2.5174% | 3,451 |
| Loan and lease loss provision to assets | 0.1482% | 1,142 |
| Net operating income to assets | 1.0233% | 2,766 |
| Return on assets (ROA) | 1.0558% | 2,683 |
| Pretax return on assets | 1.4060% | 2,065 |
| Return on Equity (ROE) | 8.8999% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.8999% | 1,352 |
| Net charge-offs to loans | 0.1991% | 708 |
| Credit loss provision to net charge-offs | 103.2527% | 1,543 |
| Earnings coverage of net charge-offs (x) | 10.5422% | 1,956 |
| Efficiency ratio | 62.4603% | 3,459 |
| Assets per employee ($millions) | 15.8123% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,342 |
| Loan loss allowance to noncurrent loans | 68.1826% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 1,199 |
| Noncurrent loans to loans | 1.5585% | 1,025 |
| Net loans and leases to total assets | 72.1216% | 2,138 |
| Net loans and leases to deposits | 86.2554% | 2,101 |
| Net loans and leases to core deposits | 133.0257% | 272 |
| Total domestic deposits to total assets | 78.5223% | 4,428 |
| Equity capital to assets | 12.1680% | 1,924 |
| Core capital (leverage) ratio | 12.2064% | 1,658 |
| Tier 1 risk-based capital ratio | 14.1883% | 3,249 |
| Total risk-based capital ratio | 15.0881% | 3,344 |
| Memoranda: | ||
| Average total assets | $7,026,356,500 | 179 |
| Average earning assets | $6,608,852,500 | 173 |
| Average equity | $833,536,000 | 182 |
| Average total loans | $5,063,644,000 | 175 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 2,433 |
| Cost of funding earning assets | 0.9467% | 934 |
| Net interest margin | 3.5629% | 3,503 |
| Noninterest income to average assets | 0.7380% | 1,698 |
| Noninterest expense to average assets | 2.4982% | 3,622 |
| Loan and lease loss provision to assets | 0.4181% | 314 |
| Net operating income to assets | 0.8777% | 3,507 |
| Return on assets (ROA) | 0.9008% | 3,429 |
| Pretax return on assets | 1.2064% | 2,856 |
| Return on Equity (ROE) | 8.2200% | 3,346 |
| Retained earnings to average equity (ytd only) | 8.2200% | 1,146 |
| Net charge-offs to loans | 0.3841% | 488 |
| Credit loss provision to net charge-offs | 151.7427% | 1,814 |
| Earnings coverage of net charge-offs (x) | 5.7891% | 3,153 |
| Efficiency ratio | 61.0288% | 3,685 |
| Assets per employee ($millions) | 16.0897% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,275 |
| Loan loss allowance to noncurrent loans | 67.5835% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 1,178 |
| Noncurrent loans to loans | 1.5822% | 930 |
| Net loans and leases to total assets | 70.4872% | 2,501 |
| Net loans and leases to deposits | 87.7026% | 2,084 |
| Net loans and leases to core deposits | 133.4344% | 269 |
| Total domestic deposits to total assets | 75.4455% | 4,821 |
| Equity capital to assets | 11.5626% | 2,208 |
| Core capital (leverage) ratio | 11.7184% | 1,937 |
| Tier 1 risk-based capital ratio | 14.0631% | 3,264 |
| Total risk-based capital ratio | 14.9737% | 3,348 |
| Memoranda: | ||
| Average total assets | $7,007,114,200 | 179 |
| Average earning assets | $6,599,118,000 | 170 |
| Average equity | $767,905,000 | 183 |
| Average total loans | $5,026,913,600 | 172 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 2,621 |
| Cost of funding earning assets | 0.8648% | 1,051 |
| Net interest margin | 3.5367% | 3,571 |
| Noninterest income to average assets | 0.7283% | 1,755 |
| Noninterest expense to average assets | 2.4591% | 3,701 |
| Loan and lease loss provision to assets | 0.2945% | 504 |
| Net operating income to assets | 0.9810% | 3,174 |
| Return on assets (ROA) | 0.9947% | 3,118 |
| Pretax return on assets | 1.3227% | 2,532 |
| Return on Equity (ROE) | 9.2046% | 3,003 |
| Retained earnings to average equity (ytd only) | 9.2046% | 1,153 |
| Net charge-offs to loans | 0.1328% | 1,215 |
| Credit loss provision to net charge-offs | 308.5349% | 1,004 |
| Earnings coverage of net charge-offs (x) | 16.7631% | 2,147 |
| Efficiency ratio | 60.5841% | 3,729 |
| Assets per employee ($millions) | 15.2152% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,437 |
| Loan loss allowance to noncurrent loans | 53.0063% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 917 |
| Noncurrent loans to loans | 1.9912% | 738 |
| Net loans and leases to total assets | 71.2803% | 2,448 |
| Net loans and leases to deposits | 88.4590% | 2,094 |
| Net loans and leases to core deposits | 125.7785% | 413 |
| Total domestic deposits to total assets | 76.6308% | 4,701 |
| Equity capital to assets | 11.0771% | 2,598 |
| Core capital (leverage) ratio | 11.8605% | 1,872 |
| Tier 1 risk-based capital ratio | 13.5279% | 3,609 |
| Total risk-based capital ratio | 14.4302% | 3,711 |
| Memoranda: | ||
| Average total assets | $6,989,021,000 | 179 |
| Average earning assets | $6,582,142,000 | 170 |
| Average equity | $755,238,750 | 184 |
| Average total loans | $5,022,625,500 | 171 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,581 |
| Cost of funding earning assets | 0.7991% | 1,133 |
| Net interest margin | 3.5524% | 3,462 |
| Noninterest income to average assets | 0.7699% | 1,571 |
| Noninterest expense to average assets | 2.4992% | 3,633 |
| Loan and lease loss provision to assets | 0.1343% | 1,468 |
| Net operating income to assets | 1.1068% | 2,555 |
| Return on assets (ROA) | 1.1274% | 2,491 |
| Pretax return on assets | 1.5133% | 1,768 |
| Return on Equity (ROE) | 10.5239% | 2,323 |
| Retained earnings to average equity (ytd only) | 10.5239% | 786 |
| Net charge-offs to loans | 0.0296% | 2,268 |
| Credit loss provision to net charge-offs | 631.8860% | 602 |
| Earnings coverage of net charge-offs (x) | 76.2877% | 846 |
| Efficiency ratio | 60.6503% | 3,827 |
| Assets per employee ($millions) | 14.9084% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 4,067 |
| Loan loss allowance to noncurrent loans | 72.4516% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 1,543 |
| Noncurrent loans to loans | 1.3243% | 1,285 |
| Net loans and leases to total assets | 72.9967% | 2,117 |
| Net loans and leases to deposits | 89.2901% | 1,937 |
| Net loans and leases to core deposits | 121.1869% | 538 |
| Total domestic deposits to total assets | 77.1532% | 4,717 |
| Equity capital to assets | 11.5890% | 2,132 |
| Core capital (leverage) ratio | 11.6152% | 1,973 |
| Tier 1 risk-based capital ratio | 13.6066% | 3,562 |
| Total risk-based capital ratio | 14.4335% | 3,718 |
| Memoranda: | ||
| Average total assets | $6,934,975,000 | 178 |
| Average earning assets | $6,541,298,330 | 169 |
| Average equity | $742,939,000 | 184 |
| Average total loans | $4,979,585,670 | 171 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 3,015 |
| Cost of funding earning assets | 0.7403% | 1,235 |
| Net interest margin | 3.4238% | 3,804 |
| Noninterest income to average assets | 0.7226% | 1,730 |
| Noninterest expense to average assets | 2.4327% | 3,856 |
| Loan and lease loss provision to assets | 0.2537% | 582 |
| Net operating income to assets | 0.9451% | 3,091 |
| Return on assets (ROA) | 0.9859% | 2,940 |
| Pretax return on assets | 1.3145% | 2,309 |
| Return on Equity (ROE) | 9.5806% | 2,648 |
| Retained earnings to average equity (ytd only) | 9.5806% | 1,292 |
| Net charge-offs to loans | 0.1386% | 981 |
| Credit loss provision to net charge-offs | 258.1787% | 891 |
| Earnings coverage of net charge-offs (x) | 15.4345% | 1,664 |
| Efficiency ratio | 61.5993% | 3,859 |
| Assets per employee ($millions) | 15.5086% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,271 |
| Loan loss allowance to noncurrent loans | 69.0824% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 1,638 |
| Noncurrent loans to loans | 1.3562% | 1,319 |
| Net loans and leases to total assets | 70.3964% | 2,410 |
| Net loans and leases to deposits | 92.4051% | 1,406 |
| Net loans and leases to core deposits | 127.8814% | 379 |
| Total domestic deposits to total assets | 71.5963% | 5,309 |
| Equity capital to assets | 10.9384% | 2,644 |
| Core capital (leverage) ratio | 11.1680% | 2,267 |
| Tier 1 risk-based capital ratio | 13.3406% | 3,750 |
| Total risk-based capital ratio | 14.1530% | 3,892 |
| Memoranda: | ||
| Average total assets | $7,018,253,500 | 176 |
| Average earning assets | $6,614,253,500 | 169 |
| Average equity | $722,213,000 | 188 |
| Average total loans | $4,975,087,500 | 172 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,260 |
| Cost of funding earning assets | 0.5431% | 2,004 |
| Net interest margin | 3.1903% | 4,473 |
| Noninterest income to average assets | 0.7264% | 1,861 |
| Noninterest expense to average assets | 2.4167% | 4,032 |
| Loan and lease loss provision to assets | 0.2576% | 717 |
| Net operating income to assets | 0.5080% | 4,355 |
| Return on assets (ROA) | 0.5265% | 4,337 |
| Pretax return on assets | 1.0993% | 3,188 |
| Return on Equity (ROE) | 5.6119% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.6119% | 1,763 |
| Net charge-offs to loans | 0.4201% | 589 |
| Credit loss provision to net charge-offs | 90.8709% | 2,773 |
| Earnings coverage of net charge-offs (x) | 4.6847% | 3,430 |
| Efficiency ratio | 64.5368% | 3,526 |
| Assets per employee ($millions) | 15.4771% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,547 |
| Loan loss allowance to noncurrent loans | 53.7174% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 1,275 |
| Noncurrent loans to loans | 1.6464% | 1,004 |
| Net loans and leases to total assets | 70.0885% | 2,511 |
| Net loans and leases to deposits | 93.1756% | 1,368 |
| Net loans and leases to core deposits | 136.3386% | 246 |
| Total domestic deposits to total assets | 70.8038% | 5,378 |
| Equity capital to assets | 9.6441% | 4,093 |
| Core capital (leverage) ratio | 9.7163% | 3,792 |
| Tier 1 risk-based capital ratio | 11.5119% | 4,841 |
| Total risk-based capital ratio | 13.8213% | 4,061 |
| Memoranda: | ||
| Average total assets | $7,056,098,400 | 169 |
| Average earning assets | $6,675,558,000 | 163 |
| Average equity | $662,034,600 | 189 |
| Average total loans | $4,761,774,200 | 169 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 4,454 |
| Cost of funding earning assets | 0.5199% | 2,109 |
| Net interest margin | 3.1258% | 4,637 |
| Noninterest income to average assets | 0.7216% | 1,900 |
| Noninterest expense to average assets | 2.3519% | 4,151 |
| Loan and lease loss provision to assets | 0.2776% | 587 |
| Net operating income to assets | 0.6718% | 4,114 |
| Return on assets (ROA) | 0.6959% | 4,071 |
| Pretax return on assets | 1.0862% | 3,356 |
| Return on Equity (ROE) | 7.4689% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.4689% | 1,448 |
| Net charge-offs to loans | 0.1594% | 1,285 |
| Credit loss provision to net charge-offs | 261.1614% | 1,096 |
| Earnings coverage of net charge-offs (x) | 12.4765% | 2,426 |
| Efficiency ratio | 63.9442% | 3,554 |
| Assets per employee ($millions) | 14.9564% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,268 |
| Loan loss allowance to noncurrent loans | 57.9961% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 1,115 |
| Noncurrent loans to loans | 1.9616% | 874 |
| Net loans and leases to total assets | 70.4996% | 2,484 |
| Net loans and leases to deposits | 86.5435% | 2,237 |
| Net loans and leases to core deposits | 126.0453% | 408 |
| Total domestic deposits to total assets | 77.0909% | 4,868 |
| Equity capital to assets | 10.0688% | 3,833 |
| Core capital (leverage) ratio | 9.7372% | 3,895 |
| Tier 1 risk-based capital ratio | 11.3827% | 5,025 |
| Total risk-based capital ratio | 13.9244% | 4,114 |
| Memoranda: | ||
| Average total assets | $7,063,472,250 | 170 |
| Average earning assets | $6,680,752,250 | 163 |
| Average equity | $658,129,250 | 189 |
| Average total loans | $4,710,021,500 | 175 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 4,677 |
| Cost of funding earning assets | 0.5004% | 2,158 |
| Net interest margin | 3.0324% | 4,837 |
| Noninterest income to average assets | 0.7176% | 1,913 |
| Noninterest expense to average assets | 2.3030% | 4,338 |
| Loan and lease loss provision to assets | 0.2787% | 568 |
| Net operating income to assets | 0.6321% | 4,154 |
| Return on assets (ROA) | 0.6679% | 4,049 |
| Pretax return on assets | 1.0602% | 3,339 |
| Return on Equity (ROE) | 7.3552% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.3552% | 1,424 |
| Net charge-offs to loans | 0.1853% | 1,071 |
| Credit loss provision to net charge-offs | 230.5312% | 1,138 |
| Earnings coverage of net charge-offs (x) | 10.6136% | 2,335 |
| Efficiency ratio | 64.2238% | 3,631 |
| Assets per employee ($millions) | 14.6015% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,710 |
| Loan loss allowance to noncurrent loans | 56.0807% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 1,174 |
| Noncurrent loans to loans | 1.9191% | 901 |
| Net loans and leases to total assets | 70.0627% | 2,517 |
| Net loans and leases to deposits | 86.0200% | 2,220 |
| Net loans and leases to core deposits | 127.5115% | 356 |
| Total domestic deposits to total assets | 77.1627% | 4,933 |
| Equity capital to assets | 9.8682% | 4,067 |
| Core capital (leverage) ratio | 9.1676% | 4,534 |
| Tier 1 risk-based capital ratio | 11.1532% | 5,177 |
| Total risk-based capital ratio | 13.6331% | 4,255 |
| Memoranda: | ||
| Average total assets | $7,164,539,330 | 165 |
| Average earning assets | $6,776,641,000 | 161 |
| Average equity | $650,612,330 | 191 |
| Average total loans | $4,673,091,670 | 176 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3488% | 5,032 |
| Cost of funding earning assets | 0.4557% | 2,472 |
| Net interest margin | 2.8930% | 5,098 |
| Noninterest income to average assets | 0.7159% | 1,887 |
| Noninterest expense to average assets | 2.2054% | 4,626 |
| Loan and lease loss provision to assets | 0.2659% | 549 |
| Net operating income to assets | 0.6196% | 4,066 |
| Return on assets (ROA) | 0.6196% | 4,118 |
| Pretax return on assets | 0.9835% | 3,438 |
| Return on Equity (ROE) | 7.1053% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.1053% | 1,810 |
| Net charge-offs to loans | 0.1965% | 878 |
| Credit loss provision to net charge-offs | 215.9031% | 965 |
| Earnings coverage of net charge-offs (x) | 10.1463% | 1,956 |
| Efficiency ratio | 63.8362% | 3,863 |
| Assets per employee ($millions) | 15.6903% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 4,145 |
| Loan loss allowance to noncurrent loans | 52.5556% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.2568% | 1,367 |
| Noncurrent loans to loans | 1.9456% | 927 |
| Net loans and leases to total assets | 63.9383% | 3,287 |
| Net loans and leases to deposits | 78.5084% | 2,917 |
| Net loans and leases to core deposits | 131.7851% | 241 |
| Total domestic deposits to total assets | 70.7872% | 5,601 |
| Equity capital to assets | 8.8687% | 4,937 |
| Core capital (leverage) ratio | 8.7655% | 4,989 |
| Tier 1 risk-based capital ratio | 11.0239% | 5,294 |
| Total risk-based capital ratio | 13.4660% | 4,470 |
| Memoranda: | ||
| Average total assets | $7,373,870,500 | 164 |
| Average earning assets | $6,981,102,500 | 158 |
| Average equity | $643,071,500 | 190 |
| Average total loans | $4,620,754,000 | 177 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2279% | 5,258 |
| Cost of funding earning assets | 0.4360% | 2,646 |
| Net interest margin | 2.7919% | 5,306 |
| Noninterest income to average assets | 0.6809% | 2,257 |
| Noninterest expense to average assets | 2.5707% | 3,775 |
| Loan and lease loss provision to assets | 0.1450% | 1,724 |
| Net operating income to assets | 0.3790% | 5,011 |
| Return on assets (ROA) | 0.3825% | 5,081 |
| Pretax return on assets | 0.5920% | 4,809 |
| Return on Equity (ROE) | 4.0352% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.0352% | 3,045 |
| Net charge-offs to loans | 0.1943% | 1,424 |
| Credit loss provision to net charge-offs | 119.2439% | 2,227 |
| Earnings coverage of net charge-offs (x) | 6.0158% | 3,244 |
| Efficiency ratio | 77.8445% | 1,713 |
| Assets per employee ($millions) | 16.2727% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 4,223 |
| Loan loss allowance to noncurrent loans | 59.6657% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 1,831 |
| Noncurrent loans to loans | 1.7016% | 1,136 |
| Net loans and leases to total assets | 60.1364% | 3,833 |
| Net loans and leases to deposits | 72.7837% | 3,635 |
| Net loans and leases to core deposits | 110.7349% | 848 |
| Total domestic deposits to total assets | 68.3401% | 5,706 |
| Equity capital to assets | 8.5751% | 5,212 |
| Core capital (leverage) ratio | 8.5104% | 5,253 |
| Tier 1 risk-based capital ratio | 11.5599% | 5,015 |
| Total risk-based capital ratio | 14.1077% | 4,056 |
| Memoranda: | ||
| Average total assets | $6,720,894,600 | 167 |
| Average earning assets | $6,310,493,800 | 160 |
| Average equity | $637,041,400 | 187 |
| Average total loans | $4,206,050,600 | 183 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2295% | 5,319 |
| Cost of funding earning assets | 0.4309% | 2,731 |
| Net interest margin | 2.7986% | 5,362 |
| Noninterest income to average assets | 0.6705% | 2,308 |
| Noninterest expense to average assets | 2.5180% | 3,934 |
| Loan and lease loss provision to assets | 0.1956% | 1,101 |
| Net operating income to assets | 0.3618% | 5,142 |
| Return on assets (ROA) | 0.3615% | 5,223 |
| Pretax return on assets | 0.5789% | 4,930 |
| Return on Equity (ROE) | 3.7139% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.7139% | 3,664 |
| Net charge-offs to loans | 0.1676% | 1,368 |
| Credit loss provision to net charge-offs | 184.9933% | 1,518 |
| Earnings coverage of net charge-offs (x) | 7.3286% | 2,889 |
| Efficiency ratio | 76.4686% | 1,908 |
| Assets per employee ($millions) | 15.3958% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,967 |
| Loan loss allowance to noncurrent loans | 58.0970% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 1,707 |
| Noncurrent loans to loans | 1.8535% | 1,089 |
| Net loans and leases to total assets | 62.6434% | 3,559 |
| Net loans and leases to deposits | 80.1563% | 2,943 |
| Net loans and leases to core deposits | 122.6151% | 438 |
| Total domestic deposits to total assets | 67.0289% | 5,792 |
| Equity capital to assets | 9.1074% | 5,063 |
| Core capital (leverage) ratio | 8.9756% | 4,856 |
| Tier 1 risk-based capital ratio | 11.4327% | 5,131 |
| Total risk-based capital ratio | 14.0350% | 4,198 |
| Memoranda: | ||
| Average total assets | $6,546,025,750 | 173 |
| Average earning assets | $6,133,880,500 | 165 |
| Average equity | $637,226,000 | 187 |
| Average total loans | $4,130,536,000 | 185 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2129% | 5,409 |
| Cost of funding earning assets | 0.4228% | 2,808 |
| Net interest margin | 2.7901% | 5,438 |
| Noninterest income to average assets | 0.6628% | 2,317 |
| Noninterest expense to average assets | 2.4904% | 4,057 |
| Loan and lease loss provision to assets | 0.1554% | 1,468 |
| Net operating income to assets | 0.3853% | 5,079 |
| Return on assets (ROA) | 0.3879% | 5,149 |
| Pretax return on assets | 0.6363% | 4,801 |
| Return on Equity (ROE) | 3.8914% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.8914% | 3,425 |
| Net charge-offs to loans | 0.2621% | 918 |
| Credit loss provision to net charge-offs | 94.0717% | 2,195 |
| Earnings coverage of net charge-offs (x) | 4.7682% | 2,945 |
| Efficiency ratio | 75.9733% | 2,083 |
| Assets per employee ($millions) | 14.2325% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 4,113 |
| Loan loss allowance to noncurrent loans | 69.7229% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 2,251 |
| Noncurrent loans to loans | 1.5332% | 1,412 |
| Net loans and leases to total assets | 61.3680% | 3,697 |
| Net loans and leases to deposits | 75.5724% | 3,430 |
| Net loans and leases to core deposits | 123.0558% | 436 |
| Total domestic deposits to total assets | 69.2273% | 5,805 |
| Equity capital to assets | 9.7447% | 4,515 |
| Core capital (leverage) ratio | 9.4992% | 4,208 |
| Tier 1 risk-based capital ratio | 12.1825% | 4,710 |
| Total risk-based capital ratio | 14.8816% | 3,735 |
| Memoranda: | ||
| Average total assets | $6,351,955,670 | 176 |
| Average earning assets | $5,953,997,670 | 171 |
| Average equity | $633,236,000 | 185 |
| Average total loans | $4,002,722,000 | 187 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2399% | 5,427 |
| Cost of funding earning assets | 0.4249% | 2,815 |
| Net interest margin | 2.8149% | 5,447 |
| Noninterest income to average assets | 0.6368% | 2,333 |
| Noninterest expense to average assets | 2.4371% | 4,267 |
| Loan and lease loss provision to assets | 0.2294% | 808 |
| Net operating income to assets | 0.3691% | 5,082 |
| Return on assets (ROA) | 0.3847% | 5,116 |
| Pretax return on assets | 0.6316% | 4,725 |
| Return on Equity (ROE) | 3.8132% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.8132% | 3,589 |
| Net charge-offs to loans | 0.5598% | 394 |
| Credit loss provision to net charge-offs | 64.4846% | 1,949 |
| Earnings coverage of net charge-offs (x) | 2.3523% | 2,695 |
| Efficiency ratio | 74.4430% | 2,405 |
| Assets per employee ($millions) | 12.9620% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 4,238 |
| Loan loss allowance to noncurrent loans | 67.7479% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 2,259 |
| Noncurrent loans to loans | 1.5768% | 1,477 |
| Net loans and leases to total assets | 61.4537% | 3,602 |
| Net loans and leases to deposits | 74.8291% | 3,338 |
| Net loans and leases to core deposits | 128.7106% | 291 |
| Total domestic deposits to total assets | 69.3352% | 5,890 |
| Equity capital to assets | 9.9662% | 4,119 |
| Core capital (leverage) ratio | 9.8438% | 3,729 |
| Tier 1 risk-based capital ratio | 12.4517% | 4,616 |
| Total risk-based capital ratio | 15.2062% | 3,644 |
| Memoranda: | ||
| Average total assets | $6,218,874,000 | 179 |
| Average earning assets | $5,825,813,500 | 172 |
| Average equity | $627,396,000 | 186 |
| Average total loans | $3,951,437,500 | 187 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 5,446 |
| Cost of funding earning assets | 0.4138% | 3,008 |
| Net interest margin | 2.8292% | 5,464 |
| Noninterest income to average assets | 2.3907% | 281 |
| Noninterest expense to average assets | 2.9525% | 2,693 |
| Loan and lease loss provision to assets | 0.0951% | 2,420 |
| Net operating income to assets | 1.0780% | 2,014 |
| Return on assets (ROA) | 1.0853% | 2,055 |
| Pretax return on assets | 1.9953% | 542 |
| Return on Equity (ROE) | 10.8571% | 1,662 |
| Retained earnings to average equity (ytd only) | 10.8571% | 358 |
| Net charge-offs to loans | 0.1592% | 1,785 |
| Credit loss provision to net charge-offs | 88.2054% | 2,792 |
| Earnings coverage of net charge-offs (x) | 19.2884% | 1,960 |
| Efficiency ratio | 58.6804% | 5,070 |
| Assets per employee ($millions) | 12.7058% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,938 |
| Loan loss allowance to noncurrent loans | 68.9324% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 2,077 |
| Noncurrent loans to loans | 1.6234% | 1,410 |
| Net loans and leases to total assets | 64.3020% | 3,229 |
| Net loans and leases to deposits | 76.5987% | 3,191 |
| Net loans and leases to core deposits | 128.3809% | 292 |
| Total domestic deposits to total assets | 75.4573% | 5,499 |
| Equity capital to assets | 10.2169% | 3,725 |
| Core capital (leverage) ratio | 9.9758% | 3,545 |
| Tier 1 risk-based capital ratio | 12.3272% | 4,744 |
| Total risk-based capital ratio | 15.1283% | 3,714 |
| Memoranda: | ||
| Average total assets | $5,655,798,600 | 182 |
| Average earning assets | $5,278,898,800 | 174 |
| Average equity | $565,380,600 | 192 |
| Average total loans | $3,830,223,000 | 182 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2515% | 5,504 |
| Cost of funding earning assets | 0.4130% | 3,084 |
| Net interest margin | 2.8385% | 5,516 |
| Noninterest income to average assets | 0.7094% | 2,191 |
| Noninterest expense to average assets | 2.7643% | 3,332 |
| Loan and lease loss provision to assets | 0.0670% | 2,839 |
| Net operating income to assets | 0.3027% | 5,442 |
| Return on assets (ROA) | 0.3089% | 5,514 |
| Pretax return on assets | 0.5349% | 5,136 |
| Return on Equity (ROE) | 3.1087% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.1087% | 4,241 |
| Net charge-offs to loans | 0.0849% | 2,332 |
| Credit loss provision to net charge-offs | 115.3306% | 2,053 |
| Earnings coverage of net charge-offs (x) | 10.1905% | 2,621 |
| Efficiency ratio | 82.3544% | 1,346 |
| Assets per employee ($millions) | 11.7097% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 3,909 |
| Loan loss allowance to noncurrent loans | 47.8569% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 1,359 |
| Noncurrent loans to loans | 2.4104% | 859 |
| Net loans and leases to total assets | 66.5449% | 2,929 |
| Net loans and leases to deposits | 79.2312% | 2,964 |
| Net loans and leases to core deposits | 139.4494% | 173 |
| Total domestic deposits to total assets | 74.2648% | 5,689 |
| Equity capital to assets | 9.5938% | 4,644 |
| Core capital (leverage) ratio | 9.2381% | 4,681 |
| Tier 1 risk-based capital ratio | 11.0383% | 5,638 |
| Total risk-based capital ratio | 13.8823% | 4,570 |
| Memoranda: | ||
| Average total assets | $5,551,401,750 | 184 |
| Average earning assets | $5,177,266,500 | 178 |
| Average equity | $551,598,500 | 199 |
| Average total loans | $3,800,402,250 | 184 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 5,558 |
| Cost of funding earning assets | 0.4089% | 3,176 |
| Net interest margin | 2.8288% | 5,557 |
| Noninterest income to average assets | 0.7603% | 1,949 |
| Noninterest expense to average assets | 2.7780% | 3,323 |
| Loan and lease loss provision to assets | 0.0097% | 3,909 |
| Net operating income to assets | 0.3542% | 5,280 |
| Return on assets (ROA) | 0.3596% | 5,378 |
| Pretax return on assets | 0.6164% | 4,938 |
| Return on Equity (ROE) | 3.5754% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.5754% | 3,749 |
| Net charge-offs to loans | -0.0992% | 5,786 |
| Credit loss provision to net charge-offs | -14.2704% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8086% | 1,519 |
| Assets per employee ($millions) | 11.6342% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 3,542 |
| Loan loss allowance to noncurrent loans | 74.2409% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 2,306 |
| Noncurrent loans to loans | 1.6740% | 1,557 |
| Net loans and leases to total assets | 65.0474% | 3,116 |
| Net loans and leases to deposits | 77.5166% | 3,093 |
| Net loans and leases to core deposits | 138.2348% | 176 |
| Total domestic deposits to total assets | 73.3158% | 5,841 |
| Equity capital to assets | 9.6257% | 4,500 |
| Core capital (leverage) ratio | 9.4079% | 4,405 |
| Tier 1 risk-based capital ratio | 11.3414% | 5,545 |
| Total risk-based capital ratio | 14.3350% | 4,385 |
| Memoranda: | ||
| Average total assets | $5,458,066,670 | 188 |
| Average earning assets | $5,084,866,330 | 179 |
| Average equity | $548,979,670 | 201 |
| Average total loans | $3,758,605,670 | 188 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 5,541 |
| Cost of funding earning assets | 0.4062% | 3,239 |
| Net interest margin | 2.8515% | 5,545 |
| Noninterest income to average assets | 0.7913% | 1,747 |
| Noninterest expense to average assets | 2.8871% | 2,947 |
| Loan and lease loss provision to assets | 0.0199% | 3,456 |
| Net operating income to assets | 0.3219% | 5,335 |
| Return on assets (ROA) | 0.3219% | 5,444 |
| Pretax return on assets | 0.5361% | 5,081 |
| Return on Equity (ROE) | 3.1277% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.1277% | 4,107 |
| Net charge-offs to loans | -0.0172% | 4,976 |
| Credit loss provision to net charge-offs | -164.5963% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8493% | 1,398 |
| Assets per employee ($millions) | 11.6901% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 3,999 |
| Loan loss allowance to noncurrent loans | 62.7123% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 1,997 |
| Noncurrent loans to loans | 1.9094% | 1,407 |
| Net loans and leases to total assets | 68.9728% | 2,293 |
| Net loans and leases to deposits | 82.2261% | 2,315 |
| Net loans and leases to core deposits | 144.5495% | 125 |
| Total domestic deposits to total assets | 76.3476% | 5,696 |
| Equity capital to assets | 10.1499% | 3,944 |
| Core capital (leverage) ratio | 9.9506% | 3,665 |
| Tier 1 risk-based capital ratio | 11.1868% | 5,721 |
| Total risk-based capital ratio | 14.1271% | 4,591 |
| Memoranda: | ||
| Average total assets | $5,313,449,500 | 187 |
| Average earning assets | $4,941,610,000 | 180 |
| Average equity | $546,861,000 | 199 |
| Average total loans | $3,745,150,500 | 187 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 5,673 |
| Cost of funding earning assets | 0.4136% | 3,561 |
| Net interest margin | 2.9070% | 5,632 |
| Noninterest income to average assets | 0.8671% | 1,620 |
| Noninterest expense to average assets | 4.0152% | 740 |
| Loan and lease loss provision to assets | 0.3711% | 501 |
| Net operating income to assets | -0.9773% | 6,377 |
| Return on assets (ROA) | -0.9696% | 6,375 |
| Pretax return on assets | -0.8000% | 6,335 |
| Return on Equity (ROE) | -9.0352% | 6,347 |
| Retained earnings to average equity (ytd only) | -9.0352% | 6,286 |
| Net charge-offs to loans | 0.5598% | 726 |
| Credit loss provision to net charge-offs | 93.4160% | 2,570 |
| Earnings coverage of net charge-offs (x) | -1.0992% | 4,803 |
| Efficiency ratio | 112.2006% | 192 |
| Assets per employee ($millions) | 11.4850% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 3,920 |
| Loan loss allowance to noncurrent loans | 54.2543% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.5912% | 1,699 |
| Noncurrent loans to loans | 2.2352% | 1,179 |
| Net loans and leases to total assets | 70.3255% | 2,188 |
| Net loans and leases to deposits | 83.1358% | 2,322 |
| Net loans and leases to core deposits | 133.8802% | 211 |
| Total domestic deposits to total assets | 83.1858% | 4,011 |
| Equity capital to assets | 10.4402% | 3,559 |
| Core capital (leverage) ratio | 9.6019% | 4,096 |
| Tier 1 risk-based capital ratio | 11.0173% | 5,900 |
| Total risk-based capital ratio | 13.4468% | 5,144 |
| Memoranda: | ||
| Average total assets | $5,158,188,600 | 181 |
| Average earning assets | $4,811,276,000 | 175 |
| Average equity | $553,566,000 | 189 |
| Average total loans | $3,659,736,000 | 176 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2878% | 5,790 |
| Cost of funding earning assets | 0.4174% | 3,610 |
| Net interest margin | 2.8704% | 5,763 |
| Noninterest income to average assets | 0.8960% | 1,535 |
| Noninterest expense to average assets | 2.8383% | 3,323 |
| Loan and lease loss provision to assets | 0.4117% | 407 |
| Net operating income to assets | 0.2141% | 5,824 |
| Return on assets (ROA) | 0.2136% | 5,873 |
| Pretax return on assets | 0.3256% | 5,724 |
| Return on Equity (ROE) | 1.9763% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.9763% | 5,071 |
| Net charge-offs to loans | 0.3275% | 1,223 |
| Credit loss provision to net charge-offs | 177.3067% | 1,404 |
| Earnings coverage of net charge-offs (x) | 3.1791% | 3,714 |
| Efficiency ratio | 79.3617% | 2,003 |
| Assets per employee ($millions) | 10.9444% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 2,832 |
| Loan loss allowance to noncurrent loans | 52.0347% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 2.0001% | 1,436 |
| Noncurrent loans to loans | 2.8387% | 968 |
| Net loans and leases to total assets | 69.4170% | 2,282 |
| Net loans and leases to deposits | 81.8711% | 2,441 |
| Net loans and leases to core deposits | 131.9548% | 220 |
| Total domestic deposits to total assets | 83.0309% | 4,137 |
| Equity capital to assets | 10.9361% | 3,020 |
| Core capital (leverage) ratio | 9.9055% | 3,811 |
| Tier 1 risk-based capital ratio | 11.6235% | 5,723 |
| Total risk-based capital ratio | 14.1247% | 4,850 |
| Memoranda: | ||
| Average total assets | $5,147,058,500 | 181 |
| Average earning assets | $4,806,256,250 | 175 |
| Average equity | $556,164,500 | 188 |
| Average total loans | $3,648,733,500 | 175 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2222% | 5,919 |
| Cost of funding earning assets | 0.4239% | 3,612 |
| Net interest margin | 2.7983% | 5,914 |
| Noninterest income to average assets | 0.9675% | 1,290 |
| Noninterest expense to average assets | 2.7812% | 3,575 |
| Loan and lease loss provision to assets | 0.0842% | 2,620 |
| Net operating income to assets | 0.4475% | 5,029 |
| Return on assets (ROA) | 0.4475% | 5,103 |
| Pretax return on assets | 0.7229% | 4,562 |
| Return on Equity (ROE) | 4.1579% | 5,080 |
| Retained earnings to average equity (ytd only) | 4.1579% | 3,526 |
| Net charge-offs to loans | 0.1184% | 2,483 |
| Credit loss provision to net charge-offs | 100.1383% | 1,981 |
| Earnings coverage of net charge-offs (x) | 9.5984% | 2,343 |
| Efficiency ratio | 77.5080% | 2,372 |
| Assets per employee ($millions) | 11.1610% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 3,892 |
| Loan loss allowance to noncurrent loans | 49.5837% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.8018% | 1,797 |
| Noncurrent loans to loans | 2.6068% | 1,173 |
| Net loans and leases to total assets | 68.2265% | 2,379 |
| Net loans and leases to deposits | 80.5566% | 2,443 |
| Net loans and leases to core deposits | 133.1864% | 196 |
| Total domestic deposits to total assets | 82.8969% | 4,345 |
| Equity capital to assets | 10.8801% | 3,000 |
| Core capital (leverage) ratio | 9.8211% | 3,857 |
| Tier 1 risk-based capital ratio | 11.7784% | 5,649 |
| Total risk-based capital ratio | 14.2537% | 4,844 |
| Memoranda: | ||
| Average total assets | $5,159,064,670 | 180 |
| Average earning assets | $4,831,769,670 | 172 |
| Average equity | $555,237,000 | 186 |
| Average total loans | $3,664,602,670 | 174 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1903% | 6,019 |
| Cost of funding earning assets | 0.4191% | 3,770 |
| Net interest margin | 2.7711% | 5,994 |
| Noninterest income to average assets | 0.9855% | 1,162 |
| Noninterest expense to average assets | 2.7944% | 3,592 |
| Loan and lease loss provision to assets | 0.1036% | 2,194 |
| Net operating income to assets | 0.4469% | 4,946 |
| Return on assets (ROA) | 0.4469% | 5,015 |
| Pretax return on assets | 0.6892% | 4,523 |
| Return on Equity (ROE) | 4.1754% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.1754% | 3,626 |
| Net charge-offs to loans | -0.0030% | 4,740 |
| Credit loss provision to net charge-offs | -4,764.2857% | 5,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8990% | 2,488 |
| Assets per employee ($millions) | 11.4772% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,175 |
| Loan loss allowance to noncurrent loans | 46.9411% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 1.9963% | 1,717 |
| Noncurrent loans to loans | 2.7493% | 1,221 |
| Net loans and leases to total assets | 71.3237% | 1,678 |
| Net loans and leases to deposits | 83.8980% | 1,832 |
| Net loans and leases to core deposits | 138.7512% | 131 |
| Total domestic deposits to total assets | 82.7562% | 4,686 |
| Equity capital to assets | 10.8692% | 2,854 |
| Core capital (leverage) ratio | 10.1250% | 3,395 |
| Tier 1 risk-based capital ratio | 11.5385% | 5,894 |
| Total risk-based capital ratio | 14.0293% | 5,075 |
| Memoranda: | ||
| Average total assets | $5,149,248,000 | 180 |
| Average earning assets | $4,834,561,000 | 172 |
| Average equity | $551,131,000 | 186 |
| Average total loans | $3,707,147,500 | 172 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2496% | 6,075 |
| Cost of funding earning assets | 0.4822% | 3,794 |
| Net interest margin | 2.7674% | 6,034 |
| Noninterest income to average assets | 0.8090% | 2,039 |
| Noninterest expense to average assets | 2.8318% | 3,612 |
| Loan and lease loss provision to assets | 0.2073% | 1,785 |
| Net operating income to assets | 0.2090% | 5,798 |
| Return on assets (ROA) | 0.2114% | 5,854 |
| Pretax return on assets | 0.3676% | 5,566 |
| Return on Equity (ROE) | 2.0402% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.0402% | 4,790 |
| Net charge-offs to loans | 0.4828% | 1,377 |
| Credit loss provision to net charge-offs | 59.7267% | 3,574 |
| Earnings coverage of net charge-offs (x) | 1.6457% | 4,504 |
| Efficiency ratio | 83.2162% | 1,723 |
| Assets per employee ($millions) | 11.7181% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 4,431 |
| Loan loss allowance to noncurrent loans | 46.8596% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9306% | 1,871 |
| Noncurrent loans to loans | 2.6512% | 1,394 |
| Net loans and leases to total assets | 70.8447% | 1,866 |
| Net loans and leases to deposits | 83.1665% | 2,034 |
| Net loans and leases to core deposits | 143.6390% | 123 |
| Total domestic deposits to total assets | 79.4019% | 5,577 |
| Equity capital to assets | 10.5397% | 3,102 |
| Core capital (leverage) ratio | 9.6882% | 4,004 |
| Tier 1 risk-based capital ratio | 11.3262% | 6,010 |
| Total risk-based capital ratio | 13.7861% | 5,224 |
| Memoranda: | ||
| Average total assets | $5,228,651,600 | 173 |
| Average earning assets | $4,900,989,800 | 165 |
| Average equity | $541,667,800 | 184 |
| Average total loans | $3,758,242,000 | 167 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2175% | 6,173 |
| Cost of funding earning assets | 0.4947% | 3,818 |
| Net interest margin | 2.7228% | 6,135 |
| Noninterest income to average assets | 0.8012% | 2,140 |
| Noninterest expense to average assets | 2.7015% | 4,014 |
| Loan and lease loss provision to assets | 0.2499% | 1,432 |
| Net operating income to assets | 0.2157% | 5,875 |
| Return on assets (ROA) | 0.2165% | 5,951 |
| Pretax return on assets | 0.4016% | 5,617 |
| Return on Equity (ROE) | 2.0988% | 5,906 |
| Retained earnings to average equity (ytd only) | 2.0988% | 5,066 |
| Net charge-offs to loans | 0.3552% | 1,772 |
| Credit loss provision to net charge-offs | 97.8176% | 2,442 |
| Earnings coverage of net charge-offs (x) | 2.5458% | 3,983 |
| Efficiency ratio | 80.5989% | 2,018 |
| Assets per employee ($millions) | 11.6073% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 3,951 |
| Loan loss allowance to noncurrent loans | 51.5010% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.0203% | 1,987 |
| Noncurrent loans to loans | 2.6935% | 1,574 |
| Net loans and leases to total assets | 73.2656% | 1,405 |
| Net loans and leases to deposits | 86.5592% | 1,549 |
| Net loans and leases to core deposits | 142.9354% | 112 |
| Total domestic deposits to total assets | 82.6241% | 4,713 |
| Equity capital to assets | 10.4473% | 3,346 |
| Core capital (leverage) ratio | 9.6708% | 4,142 |
| Tier 1 risk-based capital ratio | 10.9790% | 6,294 |
| Total risk-based capital ratio | 13.4659% | 5,563 |
| Memoranda: | ||
| Average total assets | $5,238,032,000 | 170 |
| Average earning assets | $4,906,697,750 | 164 |
| Average equity | $540,302,000 | 182 |
| Average total loans | $3,766,825,750 | 164 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1228% | 6,317 |
| Cost of funding earning assets | 0.5063% | 3,840 |
| Net interest margin | 2.6165% | 6,316 |
| Noninterest income to average assets | 0.8075% | 2,156 |
| Noninterest expense to average assets | 2.6926% | 4,055 |
| Loan and lease loss provision to assets | 0.3676% | 894 |
| Net operating income to assets | 0.1177% | 6,092 |
| Return on assets (ROA) | 0.1198% | 6,181 |
| Pretax return on assets | 0.2079% | 6,076 |
| Return on Equity (ROE) | 1.1660% | 6,174 |
| Retained earnings to average equity (ytd only) | 1.1660% | 5,435 |
| Net charge-offs to loans | 0.5385% | 1,230 |
| Credit loss provision to net charge-offs | 95.9686% | 2,321 |
| Earnings coverage of net charge-offs (x) | 1.4939% | 4,034 |
| Efficiency ratio | 82.4730% | 1,824 |
| Assets per employee ($millions) | 12.0731% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 3,980 |
| Loan loss allowance to noncurrent loans | 56.0953% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.8577% | 2,330 |
| Noncurrent loans to loans | 2.5158% | 1,840 |
| Net loans and leases to total assets | 72.0474% | 1,571 |
| Net loans and leases to deposits | 85.3724% | 1,639 |
| Net loans and leases to core deposits | 137.5456% | 143 |
| Total domestic deposits to total assets | 82.0390% | 5,050 |
| Equity capital to assets | 10.4154% | 3,408 |
| Core capital (leverage) ratio | 9.6955% | 3,939 |
| Tier 1 risk-based capital ratio | 11.1872% | 6,254 |
| Total risk-based capital ratio | 13.7080% | 5,472 |
| Memoranda: | ||
| Average total assets | $5,258,424,000 | 166 |
| Average earning assets | $4,938,545,330 | 162 |
| Average equity | $540,122,670 | 182 |
| Average total loans | $3,740,364,670 | 163 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0450% | 6,464 |
| Cost of funding earning assets | 0.5073% | 4,009 |
| Net interest margin | 2.5378% | 6,458 |
| Noninterest income to average assets | 0.8451% | 1,943 |
| Noninterest expense to average assets | 2.6607% | 4,208 |
| Loan and lease loss provision to assets | 0.5044% | 536 |
| Net operating income to assets | 0.0448% | 6,269 |
| Return on assets (ROA) | 0.0520% | 6,330 |
| Pretax return on assets | 0.0812% | 6,285 |
| Return on Equity (ROE) | 0.5095% | 6,328 |
| Retained earnings to average equity (ytd only) | 0.5095% | 5,621 |
| Net charge-offs to loans | 0.2225% | 2,101 |
| Credit loss provision to net charge-offs | 323.0101% | 750 |
| Earnings coverage of net charge-offs (x) | 3.6782% | 2,701 |
| Efficiency ratio | 82.2451% | 2,012 |
| Assets per employee ($millions) | 12.2156% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 3,504 |
| Loan loss allowance to noncurrent loans | 59.3227% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 2,493 |
| Noncurrent loans to loans | 2.6551% | 1,941 |
| Net loans and leases to total assets | 69.2309% | 1,793 |
| Net loans and leases to deposits | 82.2163% | 1,795 |
| Net loans and leases to core deposits | 132.1613% | 164 |
| Total domestic deposits to total assets | 81.7494% | 5,280 |
| Equity capital to assets | 10.2975% | 3,800 |
| Core capital (leverage) ratio | 9.2254% | 4,523 |
| Tier 1 risk-based capital ratio | 11.3249% | 6,266 |
| Total risk-based capital ratio | 13.8386% | 5,469 |
| Memoranda: | ||
| Average total assets | $5,310,026,000 | 169 |
| Average earning assets | $5,000,802,000 | 164 |
| Average equity | $541,716,500 | 186 |
| Average total loans | $3,726,863,000 | 164 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4056% | 6,480 |
| Cost of funding earning assets | 0.6596% | 3,840 |
| Net interest margin | 2.7461% | 6,456 |
| Noninterest income to average assets | 0.7605% | 2,446 |
| Noninterest expense to average assets | 2.4665% | 5,202 |
| Loan and lease loss provision to assets | 0.1477% | 3,758 |
| Net operating income to assets | 0.3528% | 5,284 |
| Return on assets (ROA) | 0.4433% | 5,162 |
| Pretax return on assets | 0.6922% | 4,693 |
| Return on Equity (ROE) | 4.6392% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.6392% | 2,954 |
| Net charge-offs to loans | 0.3304% | 2,988 |
| Credit loss provision to net charge-offs | 65.3735% | 4,306 |
| Earnings coverage of net charge-offs (x) | 3.0917% | 3,889 |
| Efficiency ratio | 77.9329% | 2,457 |
| Assets per employee ($millions) | 12.3957% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 4,040 |
| Loan loss allowance to noncurrent loans | 62.8617% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 2,984 |
| Noncurrent loans to loans | 2.2671% | 2,387 |
| Net loans and leases to total assets | 69.0371% | 2,026 |
| Net loans and leases to deposits | 81.5020% | 2,072 |
| Net loans and leases to core deposits | 132.4874% | 168 |
| Total domestic deposits to total assets | 81.6653% | 5,205 |
| Equity capital to assets | 10.1080% | 4,027 |
| Core capital (leverage) ratio | 9.1919% | 4,595 |
| Tier 1 risk-based capital ratio | 11.3310% | 6,195 |
| Total risk-based capital ratio | 13.9713% | 5,251 |
| Memoranda: | ||
| Average total assets | $5,534,395,600 | 164 |
| Average earning assets | $4,845,867,600 | 163 |
| Average equity | $528,818,400 | 185 |
| Average total loans | $3,783,845,800 | 156 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 6,514 |
| Cost of funding earning assets | 0.6871% | 3,889 |
| Net interest margin | 2.8102% | 6,486 |
| Noninterest income to average assets | 0.7606% | 2,425 |
| Noninterest expense to average assets | 2.5031% | 5,070 |
| Loan and lease loss provision to assets | 0.1898% | 3,214 |
| Net operating income to assets | 0.3141% | 5,565 |
| Return on assets (ROA) | 0.4083% | 5,444 |
| Pretax return on assets | 0.6282% | 5,083 |
| Return on Equity (ROE) | 4.3339% | 5,135 |
| Retained earnings to average equity (ytd only) | 4.3339% | 3,840 |
| Net charge-offs to loans | 0.3976% | 2,504 |
| Credit loss provision to net charge-offs | 70.2291% | 3,897 |
| Earnings coverage of net charge-offs (x) | 2.4900% | 4,045 |
| Efficiency ratio | 78.8116% | 2,262 |
| Assets per employee ($millions) | 11.4210% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 4,167 |
| Loan loss allowance to noncurrent loans | 71.8231% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 3,433 |
| Noncurrent loans to loans | 2.0159% | 2,829 |
| Net loans and leases to total assets | 69.8976% | 1,920 |
| Net loans and leases to deposits | 82.5844% | 2,041 |
| Net loans and leases to core deposits | 147.3515% | 118 |
| Total domestic deposits to total assets | 79.9607% | 5,663 |
| Equity capital to assets | 10.0605% | 4,403 |
| Core capital (leverage) ratio | 9.0229% | 5,029 |
| Tier 1 risk-based capital ratio | 11.0642% | 6,452 |
| Total risk-based capital ratio | 13.7176% | 5,633 |
| Memoranda: | ||
| Average total assets | $5,576,158,000 | 163 |
| Average earning assets | $4,792,921,000 | 166 |
| Average equity | $525,389,750 | 187 |
| Average total loans | $3,790,049,000 | 156 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 6,517 |
| Cost of funding earning assets | 0.7075% | 3,955 |
| Net interest margin | 2.8653% | 6,469 |
| Noninterest income to average assets | 0.7247% | 2,532 |
| Noninterest expense to average assets | 2.4719% | 5,230 |
| Loan and lease loss provision to assets | 0.1347% | 3,842 |
| Net operating income to assets | 0.3278% | 5,507 |
| Return on assets (ROA) | 0.4016% | 5,442 |
| Pretax return on assets | 0.6274% | 5,045 |
| Return on Equity (ROE) | 4.3543% | 5,111 |
| Retained earnings to average equity (ytd only) | 4.3543% | 3,715 |
| Net charge-offs to loans | 0.3236% | 2,741 |
| Credit loss provision to net charge-offs | 62.0667% | 3,746 |
| Earnings coverage of net charge-offs (x) | 2.9810% | 3,557 |
| Efficiency ratio | 79.2616% | 2,294 |
| Assets per employee ($millions) | 11.8591% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,008 |
| Loan loss allowance to noncurrent loans | 72.1042% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4056% | 3,613 |
| Noncurrent loans to loans | 2.0804% | 2,849 |
| Net loans and leases to total assets | 64.3706% | 2,957 |
| Net loans and leases to deposits | 74.9467% | 3,135 |
| Net loans and leases to core deposits | 144.2094% | 125 |
| Total domestic deposits to total assets | 73.8462% | 6,691 |
| Equity capital to assets | 9.3240% | 5,290 |
| Core capital (leverage) ratio | 8.8589% | 5,112 |
| Tier 1 risk-based capital ratio | 10.9677% | 6,517 |
| Total risk-based capital ratio | 13.6603% | 5,616 |
| Memoranda: | ||
| Average total assets | $5,664,619,330 | 162 |
| Average earning assets | $4,732,755,670 | 166 |
| Average equity | $522,422,670 | 187 |
| Average total loans | $3,797,852,330 | 155 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 6,179 |
| Cost of funding earning assets | 0.7751% | 3,657 |
| Net interest margin | 3.0573% | 6,164 |
| Noninterest income to average assets | 0.7984% | 2,179 |
| Noninterest expense to average assets | 2.4682% | 5,253 |
| Loan and lease loss provision to assets | 0.2983% | 2,094 |
| Net operating income to assets | 0.2474% | 5,833 |
| Return on assets (ROA) | 0.4083% | 5,406 |
| Pretax return on assets | 0.6804% | 4,862 |
| Return on Equity (ROE) | 4.4516% | 5,069 |
| Retained earnings to average equity (ytd only) | 4.4516% | 3,924 |
| Net charge-offs to loans | -0.0857% | 6,735 |
| Credit loss provision to net charge-offs | -512.5000% | 5,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2399% | 2,614 |
| Assets per employee ($millions) | 11.7356% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 3,523 |
| Loan loss allowance to noncurrent loans | 79.8832% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 3,723 |
| Noncurrent loans to loans | 2.0713% | 3,062 |
| Net loans and leases to total assets | 66.2821% | 2,419 |
| Net loans and leases to deposits | 77.2913% | 2,629 |
| Net loans and leases to core deposits | 151.1847% | 112 |
| Total domestic deposits to total assets | 71.6549% | 6,897 |
| Equity capital to assets | 9.2438% | 5,172 |
| Core capital (leverage) ratio | 8.4325% | 5,700 |
| Tier 1 risk-based capital ratio | 10.5220% | 6,730 |
| Total risk-based capital ratio | 12.6473% | 6,315 |
| Memoranda: | ||
| Average total assets | $5,662,600,000 | 160 |
| Average earning assets | $4,439,825,000 | 172 |
| Average equity | $519,360,500 | 188 |
| Average total loans | $3,844,519,500 | 150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 6,847 |
| Cost of funding earning assets | 0.7505% | 5,208 |
| Net interest margin | 2.9519% | 6,606 |
| Noninterest income to average assets | 0.7908% | 2,113 |
| Noninterest expense to average assets | 2.5912% | 5,129 |
| Loan and lease loss provision to assets | 0.1508% | 4,736 |
| Net operating income to assets | 0.3634% | 5,016 |
| Return on assets (ROA) | 0.3773% | 5,135 |
| Pretax return on assets | 0.5578% | 4,812 |
| Return on Equity (ROE) | 3.9334% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.9334% | 3,406 |
| Net charge-offs to loans | 0.7145% | 2,371 |
| Credit loss provision to net charge-offs | 29.9787% | 5,784 |
| Earnings coverage of net charge-offs (x) | 1.3679% | 4,745 |
| Efficiency ratio | 79.0159% | 2,444 |
| Assets per employee ($millions) | 11.7606% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 4,072 |
| Loan loss allowance to noncurrent loans | 66.7093% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 3,607 |
| Noncurrent loans to loans | 2.2344% | 2,921 |
| Net loans and leases to total assets | 67.3667% | 2,509 |
| Net loans and leases to deposits | 78.8125% | 2,708 |
| Net loans and leases to core deposits | 157.2924% | 113 |
| Total domestic deposits to total assets | 67.4084% | 7,093 |
| Equity capital to assets | 9.1002% | 5,409 |
| Core capital (leverage) ratio | 8.6660% | 5,302 |
| Tier 1 risk-based capital ratio | 10.2412% | 6,785 |
| Total risk-based capital ratio | 12.7657% | 6,139 |
| Memoranda: | ||
| Average total assets | $5,325,266,600 | 162 |
| Average earning assets | $4,489,173,200 | 164 |
| Average equity | $510,825,800 | 183 |
| Average total loans | $3,749,535,000 | 151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 6,947 |
| Cost of funding earning assets | 0.7335% | 5,572 |
| Net interest margin | 2.9503% | 6,668 |
| Noninterest income to average assets | 0.8267% | 1,936 |
| Noninterest expense to average assets | 2.6506% | 4,900 |
| Loan and lease loss provision to assets | 0.0816% | 5,422 |
| Net operating income to assets | 0.3573% | 5,176 |
| Return on assets (ROA) | 0.3863% | 5,244 |
| Pretax return on assets | 0.6661% | 4,593 |
| Return on Equity (ROE) | 3.9721% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.9721% | 3,891 |
| Net charge-offs to loans | 0.7761% | 2,009 |
| Credit loss provision to net charge-offs | 14.8188% | 5,622 |
| Earnings coverage of net charge-offs (x) | 1.2754% | 4,657 |
| Efficiency ratio | 79.0526% | 2,402 |
| Assets per employee ($millions) | 11.2673% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 4,311 |
| Loan loss allowance to noncurrent loans | 70.3121% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 3,732 |
| Noncurrent loans to loans | 2.0712% | 3,277 |
| Net loans and leases to total assets | 73.0156% | 1,501 |
| Net loans and leases to deposits | 88.5358% | 1,371 |
| Net loans and leases to core deposits | 163.4951% | 103 |
| Total domestic deposits to total assets | 67.2787% | 7,166 |
| Equity capital to assets | 9.5866% | 4,952 |
| Core capital (leverage) ratio | 9.0185% | 4,898 |
| Tier 1 risk-based capital ratio | 10.0619% | 6,937 |
| Total risk-based capital ratio | 12.5696% | 6,341 |
| Memoranda: | ||
| Average total assets | $5,236,487,500 | 164 |
| Average earning assets | $4,483,906,750 | 163 |
| Average equity | $509,301,000 | 185 |
| Average total loans | $3,715,771,250 | 151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 7,024 |
| Cost of funding earning assets | 0.7310% | 5,775 |
| Net interest margin | 2.9581% | 6,681 |
| Noninterest income to average assets | 0.9144% | 1,606 |
| Noninterest expense to average assets | 2.6941% | 4,849 |
| Loan and lease loss provision to assets | 0.1169% | 4,812 |
| Net operating income to assets | 0.3734% | 5,066 |
| Return on assets (ROA) | 0.3757% | 5,193 |
| Pretax return on assets | 0.6478% | 4,580 |
| Return on Equity (ROE) | 3.8440% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.8440% | 3,756 |
| Net charge-offs to loans | 1.2573% | 1,237 |
| Credit loss provision to net charge-offs | 13.3093% | 5,212 |
| Earnings coverage of net charge-offs (x) | 0.8663% | 4,642 |
| Efficiency ratio | 77.9730% | 2,718 |
| Assets per employee ($millions) | 10.8455% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,963 |
| Loan loss allowance to noncurrent loans | 68.6771% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 3,713 |
| Noncurrent loans to loans | 2.2350% | 3,180 |
| Net loans and leases to total assets | 69.8524% | 2,245 |
| Net loans and leases to deposits | 85.3165% | 1,890 |
| Net loans and leases to core deposits | 162.3720% | 119 |
| Total domestic deposits to total assets | 64.4017% | 7,304 |
| Equity capital to assets | 9.8119% | 4,376 |
| Core capital (leverage) ratio | 9.1016% | 4,564 |
| Tier 1 risk-based capital ratio | 10.4225% | 6,816 |
| Total risk-based capital ratio | 13.0296% | 5,942 |
| Memoranda: | ||
| Average total assets | $5,182,973,330 | 166 |
| Average earning assets | $4,451,766,000 | 168 |
| Average equity | $506,604,330 | 189 |
| Average total loans | $3,621,391,000 | 158 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 7,125 |
| Cost of funding earning assets | 0.6915% | 6,182 |
| Net interest margin | 2.9231% | 6,718 |
| Noninterest income to average assets | 0.9894% | 1,357 |
| Noninterest expense to average assets | 2.6514% | 5,027 |
| Loan and lease loss provision to assets | 0.1181% | 4,533 |
| Net operating income to assets | 0.4144% | 4,880 |
| Return on assets (ROA) | 0.4016% | 5,028 |
| Pretax return on assets | 0.7170% | 4,234 |
| Return on Equity (ROE) | 4.1164% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.1164% | 3,695 |
| Net charge-offs to loans | 2.4272% | 483 |
| Credit loss provision to net charge-offs | 7.0198% | 4,410 |
| Earnings coverage of net charge-offs (x) | 0.5082% | 4,236 |
| Efficiency ratio | 75.6128% | 3,222 |
| Assets per employee ($millions) | 10.4000% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 3,831 |
| Loan loss allowance to noncurrent loans | 85.5094% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 4,266 |
| Noncurrent loans to loans | 1.8443% | 3,764 |
| Net loans and leases to total assets | 69.0186% | 2,321 |
| Net loans and leases to deposits | 85.0522% | 1,867 |
| Net loans and leases to core deposits | 171.0106% | 108 |
| Total domestic deposits to total assets | 61.9848% | 7,405 |
| Equity capital to assets | 9.9118% | 3,885 |
| Core capital (leverage) ratio | 9.1932% | 4,299 |
| Tier 1 risk-based capital ratio | 10.6648% | 6,714 |
| Total risk-based capital ratio | 13.4062% | 5,542 |
| Memoranda: | ||
| Average total assets | $5,160,691,500 | 167 |
| Average earning assets | $4,443,983,000 | 167 |
| Average equity | $503,446,500 | 190 |
| Average total loans | $3,577,845,500 | 159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 7,299 |
| Cost of funding earning assets | 0.7542% | 6,723 |
| Net interest margin | 2.9642% | 6,800 |
| Noninterest income to average assets | 1.0488% | 1,361 |
| Noninterest expense to average assets | 2.6584% | 5,184 |
| Loan and lease loss provision to assets | 0.6882% | 2,389 |
| Net operating income to assets | 0.1219% | 5,534 |
| Return on assets (ROA) | 0.3063% | 5,084 |
| Pretax return on assets | 0.5176% | 4,557 |
| Return on Equity (ROE) | 3.1844% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.1844% | 3,640 |
| Net charge-offs to loans | 0.7546% | 2,757 |
| Credit loss provision to net charge-offs | 138.5798% | 2,753 |
| Earnings coverage of net charge-offs (x) | 1.8481% | 4,343 |
| Efficiency ratio | 74.3370% | 3,328 |
| Assets per employee ($millions) | 10.6428% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1444% | 1,973 |
| Loan loss allowance to noncurrent loans | 71.9688% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 2.1015% | 3,217 |
| Noncurrent loans to loans | 2.9796% | 2,566 |
| Net loans and leases to total assets | 67.0796% | 3,198 |
| Net loans and leases to deposits | 82.7854% | 2,662 |
| Net loans and leases to core deposits | 163.9640% | 130 |
| Total domestic deposits to total assets | 61.3115% | 7,491 |
| Equity capital to assets | 9.6022% | 4,268 |
| Core capital (leverage) ratio | 9.0215% | 4,505 |
| Tier 1 risk-based capital ratio | 10.4822% | 6,713 |
| Total risk-based capital ratio | 13.0333% | 5,666 |
| Memoranda: | ||
| Average total assets | $5,161,105,600 | 167 |
| Average earning assets | $4,400,579,000 | 167 |
| Average equity | $496,392,800 | 188 |
| Average total loans | $3,396,701,800 | 167 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 7,424 |
| Cost of funding earning assets | 0.7660% | 6,856 |
| Net interest margin | 2.9952% | 6,845 |
| Noninterest income to average assets | 0.8744% | 1,893 |
| Noninterest expense to average assets | 2.6105% | 5,279 |
| Loan and lease loss provision to assets | 0.6553% | 2,331 |
| Net operating income to assets | 0.0978% | 5,783 |
| Return on assets (ROA) | 0.3465% | 5,155 |
| Pretax return on assets | 0.5501% | 4,760 |
| Return on Equity (ROE) | 3.6015% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.6015% | 3,912 |
| Net charge-offs to loans | 0.7048% | 2,653 |
| Credit loss provision to net charge-offs | 142.7685% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.7793% | 4,384 |
| Efficiency ratio | 76.1701% | 2,916 |
| Assets per employee ($millions) | 10.6118% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 1,930 |
| Loan loss allowance to noncurrent loans | 69.7657% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.1595% | 3,257 |
| Noncurrent loans to loans | 3.0499% | 2,620 |
| Net loans and leases to total assets | 66.1754% | 3,648 |
| Net loans and leases to deposits | 79.4922% | 3,546 |
| Net loans and leases to core deposits | 157.6859% | 159 |
| Total domestic deposits to total assets | 62.3809% | 7,550 |
| Equity capital to assets | 9.7095% | 4,532 |
| Core capital (leverage) ratio | 8.8184% | 4,971 |
| Tier 1 risk-based capital ratio | 10.5369% | 6,751 |
| Total risk-based capital ratio | 13.2518% | 5,431 |
| Memoranda: | ||
| Average total assets | $5,147,634,250 | 167 |
| Average earning assets | $4,387,279,250 | 167 |
| Average equity | $495,302,000 | 187 |
| Average total loans | $3,352,163,250 | 168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 7,520 |
| Cost of funding earning assets | 0.7461% | 7,076 |
| Net interest margin | 2.9798% | 6,870 |
| Noninterest income to average assets | 0.8154% | 2,040 |
| Noninterest expense to average assets | 2.5696% | 5,457 |
| Loan and lease loss provision to assets | 0.2841% | 4,123 |
| Net operating income to assets | 0.3425% | 5,003 |
| Return on assets (ROA) | 0.3695% | 5,056 |
| Pretax return on assets | 0.5780% | 4,636 |
| Return on Equity (ROE) | 3.8516% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.8516% | 3,635 |
| Net charge-offs to loans | 0.7606% | 2,336 |
| Credit loss provision to net charge-offs | 58.0999% | 5,252 |
| Earnings coverage of net charge-offs (x) | 1.6769% | 4,252 |
| Efficiency ratio | 75.8109% | 3,103 |
| Assets per employee ($millions) | 10.9502% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 2,571 |
| Loan loss allowance to noncurrent loans | 86.0017% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 4,257 |
| Noncurrent loans to loans | 2.1482% | 3,529 |
| Net loans and leases to total assets | 62.0400% | 4,677 |
| Net loans and leases to deposits | 74.3536% | 4,622 |
| Net loans and leases to core deposits | 156.5857% | 185 |
| Total domestic deposits to total assets | 60.2436% | 7,657 |
| Equity capital to assets | 9.5385% | 4,648 |
| Core capital (leverage) ratio | 9.0419% | 4,539 |
| Tier 1 risk-based capital ratio | 10.9202% | 6,319 |
| Total risk-based capital ratio | 13.8443% | 4,746 |
| Memoranda: | ||
| Average total assets | $5,140,871,000 | 167 |
| Average earning assets | $4,440,918,000 | 166 |
| Average equity | $493,143,330 | 186 |
| Average total loans | $3,304,803,330 | 167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 7,645 |
| Cost of funding earning assets | 0.7467% | 7,239 |
| Net interest margin | 2.9276% | 6,971 |
| Noninterest income to average assets | 0.8184% | 1,937 |
| Noninterest expense to average assets | 2.7629% | 4,639 |
| Loan and lease loss provision to assets | 0.1256% | 5,321 |
| Net operating income to assets | 0.3144% | 5,238 |
| Return on assets (ROA) | 0.3504% | 5,196 |
| Pretax return on assets | 0.5529% | 4,777 |
| Return on Equity (ROE) | 3.6420% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.6420% | 3,965 |
| Net charge-offs to loans | 0.6639% | 2,161 |
| Credit loss provision to net charge-offs | 29.1674% | 4,828 |
| Earnings coverage of net charge-offs (x) | 1.4454% | 3,875 |
| Efficiency ratio | 81.6187% | 2,333 |
| Assets per employee ($millions) | 10.7573% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 2,468 |
| Loan loss allowance to noncurrent loans | 86.0465% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.5653% | 4,155 |
| Noncurrent loans to loans | 2.2024% | 3,522 |
| Net loans and leases to total assets | 64.4034% | 4,242 |
| Net loans and leases to deposits | 77.1286% | 4,197 |
| Net loans and leases to core deposits | 162.4268% | 178 |
| Total domestic deposits to total assets | 60.8285% | 7,745 |
| Equity capital to assets | 9.7571% | 4,165 |
| Core capital (leverage) ratio | 8.9466% | 4,651 |
| Tier 1 risk-based capital ratio | 10.3867% | 6,727 |
| Total risk-based capital ratio | 13.4999% | 4,916 |
| Memoranda: | ||
| Average total assets | $5,077,795,000 | 171 |
| Average earning assets | $4,452,011,500 | 170 |
| Average equity | $488,517,000 | 187 |
| Average total loans | $3,292,622,500 | 169 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6758% | 7,792 |
| Cost of funding earning assets | 1.1319% | 6,875 |
| Net interest margin | 2.5438% | 7,376 |
| Noninterest income to average assets | 0.8318% | 2,263 |
| Noninterest expense to average assets | 2.3236% | 6,679 |
| Loan and lease loss provision to assets | 0.4469% | 4,150 |
| Net operating income to assets | 0.1221% | 5,139 |
| Return on assets (ROA) | 0.1167% | 5,218 |
| Pretax return on assets | 0.1935% | 5,020 |
| Return on Equity (ROE) | 1.3210% | 5,141 |
| Retained earnings to average equity (ytd only) | 1.3210% | 4,119 |
| Net charge-offs to loans | 0.6400% | 3,276 |
| Credit loss provision to net charge-offs | 110.6896% | 4,973 |
| Earnings coverage of net charge-offs (x) | 1.6070% | 4,537 |
| Efficiency ratio | 78.1712% | 3,165 |
| Assets per employee ($millions) | 10.6688% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 1,927 |
| Loan loss allowance to noncurrent loans | 82.7695% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.7072% | 3,809 |
| Noncurrent loans to loans | 2.4699% | 3,080 |
| Net loans and leases to total assets | 62.7372% | 4,861 |
| Net loans and leases to deposits | 74.8143% | 4,904 |
| Net loans and leases to core deposits | 192.1753% | 123 |
| Total domestic deposits to total assets | 61.8405% | 7,764 |
| Equity capital to assets | 9.4854% | 4,430 |
| Core capital (leverage) ratio | 8.6796% | 4,956 |
| Tier 1 risk-based capital ratio | 10.6919% | 6,214 |
| Total risk-based capital ratio | 13.9412% | 4,306 |
| Memoranda: | ||
| Average total assets | $5,373,086,000 | 161 |
| Average earning assets | $4,521,299,200 | 168 |
| Average equity | $474,640,400 | 189 |
| Average total loans | $3,389,677,600 | 170 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 7,891 |
| Cost of funding earning assets | 1.2352% | 6,779 |
| Net interest margin | 2.4716% | 7,489 |
| Noninterest income to average assets | 0.7915% | 2,475 |
| Noninterest expense to average assets | 2.4453% | 6,264 |
| Loan and lease loss provision to assets | 0.2227% | 5,193 |
| Net operating income to assets | 0.1157% | 5,421 |
| Return on assets (ROA) | 0.1134% | 5,478 |
| Pretax return on assets | 0.1782% | 5,344 |
| Return on Equity (ROE) | 1.3069% | 5,405 |
| Retained earnings to average equity (ytd only) | 1.3069% | 4,594 |
| Net charge-offs to loans | 0.5519% | 3,029 |
| Credit loss provision to net charge-offs | 64.1899% | 6,101 |
| Earnings coverage of net charge-offs (x) | 1.1659% | 4,897 |
| Efficiency ratio | 85.8073% | 2,082 |
| Assets per employee ($millions) | 11.0094% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,231 |
| Loan loss allowance to noncurrent loans | 67.4474% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.8010% | 3,658 |
| Noncurrent loans to loans | 2.6917% | 2,818 |
| Net loans and leases to total assets | 62.0645% | 5,232 |
| Net loans and leases to deposits | 74.5842% | 5,282 |
| Net loans and leases to core deposits | 195.5703% | 114 |
| Total domestic deposits to total assets | 61.1578% | 7,846 |
| Equity capital to assets | 9.2832% | 5,061 |
| Core capital (leverage) ratio | 8.6890% | 5,150 |
| Tier 1 risk-based capital ratio | 10.2293% | 6,753 |
| Total risk-based capital ratio | 13.2563% | 4,907 |
| Memoranda: | ||
| Average total assets | $5,441,439,750 | 168 |
| Average earning assets | $4,531,510,500 | 174 |
| Average equity | $472,370,000 | 195 |
| Average total loans | $3,420,557,000 | 178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 7,979 |
| Cost of funding earning assets | 1.3524% | 6,640 |
| Net interest margin | 2.4083% | 7,564 |
| Noninterest income to average assets | 0.7645% | 2,625 |
| Noninterest expense to average assets | 2.4392% | 6,337 |
| Loan and lease loss provision to assets | 0.0560% | 6,661 |
| Net operating income to assets | 0.1698% | 5,353 |
| Return on assets (ROA) | 0.1450% | 5,527 |
| Pretax return on assets | 0.2279% | 5,391 |
| Return on Equity (ROE) | 1.7070% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.7070% | 4,390 |
| Net charge-offs to loans | 0.3891% | 3,254 |
| Credit loss provision to net charge-offs | 22.9447% | 6,099 |
| Earnings coverage of net charge-offs (x) | 1.3216% | 4,530 |
| Efficiency ratio | 88.3177% | 1,973 |
| Assets per employee ($millions) | 10.9659% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,107 |
| Loan loss allowance to noncurrent loans | 67.2028% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6891% | 3,652 |
| Noncurrent loans to loans | 2.6465% | 2,735 |
| Net loans and leases to total assets | 62.6885% | 5,238 |
| Net loans and leases to deposits | 75.4442% | 5,252 |
| Net loans and leases to core deposits | 225.0378% | 76 |
| Total domestic deposits to total assets | 59.3867% | 7,949 |
| Equity capital to assets | 9.1557% | 5,087 |
| Core capital (leverage) ratio | 8.3104% | 5,780 |
| Tier 1 risk-based capital ratio | 9.7232% | 7,211 |
| Total risk-based capital ratio | 12.5756% | 5,471 |
| Memoranda: | ||
| Average total assets | $5,530,447,670 | 174 |
| Average earning assets | $4,586,789,670 | 180 |
| Average equity | $469,709,000 | 199 |
| Average total loans | $3,470,456,670 | 183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 8,031 |
| Cost of funding earning assets | 1.4795% | 6,468 |
| Net interest margin | 2.3524% | 7,669 |
| Noninterest income to average assets | 0.6745% | 3,037 |
| Noninterest expense to average assets | 2.4841% | 5,900 |
| Loan and lease loss provision to assets | -0.0449% | 8,190 |
| Net operating income to assets | 0.1028% | 5,974 |
| Return on assets (ROA) | 0.0921% | 6,164 |
| Pretax return on assets | 0.1439% | 6,066 |
| Return on Equity (ROE) | 1.1245% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.1245% | 5,193 |
| Net charge-offs to loans | 0.1253% | 3,961 |
| Credit loss provision to net charge-offs | -57.5293% | 6,178 |
| Earnings coverage of net charge-offs (x) | 1.4851% | 3,992 |
| Efficiency ratio | 95.5435% | 1,339 |
| Assets per employee ($millions) | 11.8360% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 1,813 |
| Loan loss allowance to noncurrent loans | 123.5396% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 4,921 |
| Noncurrent loans to loans | 1.4696% | 4,100 |
| Net loans and leases to total assets | 60.4456% | 5,582 |
| Net loans and leases to deposits | 71.8311% | 5,765 |
| Net loans and leases to core deposits | 252.8471% | 61 |
| Total domestic deposits to total assets | 55.0785% | 8,057 |
| Equity capital to assets | 8.3268% | 6,351 |
| Core capital (leverage) ratio | 7.7643% | 6,796 |
| Tier 1 risk-based capital ratio | 9.5191% | 7,411 |
| Total risk-based capital ratio | 12.5899% | 5,467 |
| Memoranda: | ||
| Average total assets | $5,685,797,500 | 170 |
| Average earning assets | $4,653,889,000 | 178 |
| Average equity | $465,610,500 | 196 |
| Average total loans | $3,539,968,500 | 182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 7,876 |
| Cost of funding earning assets | 2.4663% | 4,383 |
| Net interest margin | 2.4719% | 7,786 |
| Noninterest income to average assets | 0.7668% | 2,686 |
| Noninterest expense to average assets | 2.0566% | 7,332 |
| Loan and lease loss provision to assets | 0.2632% | 4,293 |
| Net operating income to assets | 0.5397% | 4,576 |
| Return on assets (ROA) | 0.3521% | 5,154 |
| Pretax return on assets | 0.4426% | 5,148 |
| Return on Equity (ROE) | 4.3488% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.3488% | 2,410 |
| Net charge-offs to loans | 0.3648% | 3,012 |
| Credit loss provision to net charge-offs | 113.6708% | 4,748 |
| Earnings coverage of net charge-offs (x) | 4.0609% | 4,121 |
| Efficiency ratio | 68.6237% | 4,607 |
| Assets per employee ($millions) | 11.6391% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 1,685 |
| Loan loss allowance to noncurrent loans | 143.5393% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 4,896 |
| Noncurrent loans to loans | 1.2383% | 4,039 |
| Net loans and leases to total assets | 61.8194% | 5,646 |
| Net loans and leases to deposits | 73.1015% | 5,938 |
| Net loans and leases to core deposits | 282.8116% | 52 |
| Total domestic deposits to total assets | 52.7894% | 8,102 |
| Equity capital to assets | 8.0549% | 6,772 |
| Core capital (leverage) ratio | 7.6751% | 6,971 |
| Tier 1 risk-based capital ratio | 9.0757% | 7,739 |
| Total risk-based capital ratio | 12.0039% | 5,859 |
| Memoranda: | ||
| Average total assets | $5,698,803,600 | 170 |
| Average earning assets | $5,141,419,200 | 169 |
| Average equity | $461,349,800 | 200 |
| Average total loans | $3,617,031,000 | 177 |