Home > Beal Bank USA > Performance and Condition Ratios
Beal Bank USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 3,218 |
| Cost of funding earning assets | 3.7753% | 47 |
| Net interest margin | 0.6603% | 4,554 |
| Noninterest income to average assets | 2.6900% | 200 |
| Noninterest expense to average assets | 1.8570% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0981% | 1,928 |
| Return on assets (ROA) | 0.8457% | 2,696 |
| Pretax return on assets | 1.1090% | 2,386 |
| Return on Equity (ROE) | 7.1400% | 3,244 |
| Retained earnings to average equity (ytd only) | 5.6902% | 2,357 |
| Net charge-offs to loans | -0.0562% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4383% | 3,450 |
| Assets per employee ($millions) | 226.6122% | 9 |
| Cash dividends to net income (ytd only)* | 20.3343% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 3,972 |
| Loan loss allowance to noncurrent loans | 5.7334% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 185 |
| Noncurrent loans to loans | 13.8848% | 5 |
| Net loans and leases to total assets | 12.5700% | 4,441 |
| Net loans and leases to deposits | 31.7927% | 4,336 |
| Net loans and leases to core deposits | 341.1298% | 54 |
| Total domestic deposits to total assets | 39.5500% | 4,483 |
| Equity capital to assets | 14.9289% | 559 |
| Core capital (leverage) ratio | 14.2577% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.0663% | 80 |
| Memoranda: | ||
| Average total assets | $26,166,470,800 | 79 |
| Average earning assets | $23,921,040,200 | 78 |
| Average equity | $3,098,306,400 | 69 |
| Average total loans | $2,525,209,200 | 342 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 2,790 |
| Cost of funding earning assets | 3.6499% | 51 |
| Net interest margin | 0.9022% | 4,562 |
| Noninterest income to average assets | 4.5100% | 138 |
| Noninterest expense to average assets | 1.5355% | 4,288 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 2.9643% | 186 |
| Return on assets (ROA) | 3.0336% | 176 |
| Pretax return on assets | 3.9304% | 136 |
| Return on Equity (ROE) | 27.0400% | 307 |
| Retained earnings to average equity (ytd only) | 25.0789% | 139 |
| Net charge-offs to loans | -0.0543% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 28.7750% | 4,525 |
| Assets per employee ($millions) | 254.6770% | 8 |
| Cash dividends to net income (ytd only)* | 7.2679% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 4,202 |
| Loan loss allowance to noncurrent loans | 3.9272% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.5877% | 226 |
| Noncurrent loans to loans | 16.5530% | 1 |
| Net loans and leases to total assets | 9.4400% | 4,474 |
| Net loans and leases to deposits | 21.2923% | 4,446 |
| Net loans and leases to core deposits | 264.6550% | 20 |
| Total domestic deposits to total assets | 44.3300% | 4,511 |
| Equity capital to assets | 13.7734% | 681 |
| Core capital (leverage) ratio | 15.2931% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 90.2525% | 69 |
| Memoranda: | ||
| Average total assets | $27,212,742,250 | 78 |
| Average earning assets | $24,908,997,250 | 75 |
| Average equity | $3,052,486,500 | 68 |
| Average total loans | $2,460,063,500 | 354 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 2,454 |
| Cost of funding earning assets | 3.6059% | 34 |
| Net interest margin | 0.9749% | 4,600 |
| Noninterest income to average assets | 2.3600% | 210 |
| Noninterest expense to average assets | 1.4177% | 4,400 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | 1.4894% | 1,122 |
| Return on assets (ROA) | 1.5944% | 957 |
| Pretax return on assets | 2.0715% | 661 |
| Return on Equity (ROE) | 15.2300% | 1,423 |
| Retained earnings to average equity (ytd only) | 13.1895% | 782 |
| Net charge-offs to loans | -0.0727% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.5338% | 4,271 |
| Assets per employee ($millions) | 269.3795% | 7 |
| Cash dividends to net income (ytd only)* | 13.4163% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4195% | 4,430 |
| Loan loss allowance to noncurrent loans | 2.5304% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.5000% | 237 |
| Noncurrent loans to loans | 16.5785% | 3 |
| Net loans and leases to total assets | 8.9200% | 4,506 |
| Net loans and leases to deposits | 18.0059% | 4,483 |
| Net loans and leases to core deposits | 231.7146% | 26 |
| Total domestic deposits to total assets | 49.5300% | 4,526 |
| Equity capital to assets | 11.6193% | 1,167 |
| Core capital (leverage) ratio | 11.7851% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.0713% | 70 |
| Memoranda: | ||
| Average total assets | $28,049,099,000 | 74 |
| Average earning assets | $25,780,757,667 | 71 |
| Average equity | $2,935,801,333 | 70 |
| Average total loans | $2,497,709,667 | 331 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 3,869 |
| Cost of funding earning assets | 3.1434% | 24 |
| Net interest margin | 0.6477% | 4,663 |
| Noninterest income to average assets | -0.9100% | 4,673 |
| Noninterest expense to average assets | 1.5523% | 4,351 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | -1.3230% | 4,633 |
| Return on assets (ROA) | -1.1208% | 4,622 |
| Pretax return on assets | -1.4564% | 4,625 |
| Return on Equity (ROE) | -11.2700% | 4,601 |
| Retained earnings to average equity (ytd only) | -13.3465% | 4,531 |
| Net charge-offs to loans | -0.0464% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 0.0000% | 4,671 |
| Assets per employee ($millions) | 356.0611% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4807% | 4,450 |
| Loan loss allowance to noncurrent loans | 3.1609% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 290 |
| Noncurrent loans to loans | 15.2084% | 3 |
| Net loans and leases to total assets | 7.9400% | 4,581 |
| Net loans and leases to deposits | 13.2578% | 4,571 |
| Net loans and leases to core deposits | 235.7494% | 24 |
| Total domestic deposits to total assets | 59.8800% | 4,544 |
| Equity capital to assets | 9.1351% | 2,418 |
| Core capital (leverage) ratio | 11.7989% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.6610% | 75 |
| Memoranda: | ||
| Average total assets | $29,008,743,500 | 74 |
| Average earning assets | $26,812,790,500 | 73 |
| Average equity | $2,885,647,000 | 72 |
| Average total loans | $2,576,386,000 | 333 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 468 |
| Cost of funding earning assets | 1.9933% | 4 |
| Net interest margin | 2.7541% | 3,971 |
| Noninterest income to average assets | 11.0700% | 93 |
| Noninterest expense to average assets | 4.9785% | 218 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 6.6093% | 55 |
| Return on assets (ROA) | 7.4234% | 48 |
| Pretax return on assets | 9.6577% | 48 |
| Return on Equity (ROE) | 41.6900% | 52 |
| Retained earnings to average equity (ytd only) | 26.5755% | 39 |
| Net charge-offs to loans | 0.0373% | 1,349 |
| Credit loss provision to net charge-offs | -1,394.9868% | 4,674 |
| Earnings coverage of net charge-offs (x) | 1,186.8382% | 151 |
| Efficiency ratio | 36.8627% | 4,596 |
| Assets per employee ($millions) | 288.5777% | 7 |
| Cash dividends to net income (ytd only)* | 36.2620% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 3,898 |
| Loan loss allowance to noncurrent loans | 5.3853% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.7124% | 163 |
| Noncurrent loans to loans | 15.9496% | 4 |
| Net loans and leases to total assets | 9.9100% | 4,606 |
| Net loans and leases to deposits | 13.5957% | 4,599 |
| Net loans and leases to core deposits | 217.0198% | 23 |
| Total domestic deposits to total assets | 72.9000% | 4,398 |
| Equity capital to assets | 10.9499% | 1,279 |
| Core capital (leverage) ratio | 13.2401% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.1457% | 76 |
| Memoranda: | ||
| Average total assets | $15,825,425,000 | 121 |
| Average earning assets | $14,011,010,400 | 123 |
| Average equity | $2,817,572,400 | 79 |
| Average total loans | $3,048,108,600 | 279 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 761 |
| Cost of funding earning assets | 1.3407% | 16 |
| Net interest margin | 2.9444% | 3,374 |
| Noninterest income to average assets | 15.3100% | 81 |
| Noninterest expense to average assets | 5.3728% | 199 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 9.6377% | 46 |
| Return on assets (ROA) | 10.0329% | 44 |
| Pretax return on assets | 13.0545% | 44 |
| Return on Equity (ROE) | 47.4300% | 32 |
| Retained earnings to average equity (ytd only) | 34.8130% | 23 |
| Net charge-offs to loans | -0.0932% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 30.0467% | 4,691 |
| Assets per employee ($millions) | 296.0848% | 9 |
| Cash dividends to net income (ytd only)* | 26.6011% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,667 |
| Loan loss allowance to noncurrent loans | 8.9778% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8388% | 152 |
| Noncurrent loans to loans | 13.0890% | 3 |
| Net loans and leases to total assets | 12.9600% | 4,635 |
| Net loans and leases to deposits | 25.7424% | 4,567 |
| Net loans and leases to core deposits | 264.8511% | 18 |
| Total domestic deposits to total assets | 50.3600% | 4,651 |
| Equity capital to assets | 11.7673% | 929 |
| Core capital (leverage) ratio | 18.5988% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.2324% | 93 |
| Memoranda: | ||
| Average total assets | $13,288,784,000 | 135 |
| Average earning assets | $11,591,077,500 | 137 |
| Average equity | $2,810,989,000 | 80 |
| Average total loans | $3,161,022,750 | 270 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 275 |
| Cost of funding earning assets | 0.8458% | 75 |
| Net interest margin | 3.8104% | 735 |
| Noninterest income to average assets | 12.1839% | 52 |
| Noninterest expense to average assets | 4.8267% | 181 |
| Loan and lease loss provision to assets | -0.0522% | 4,523 |
| Net operating income to assets | 8.2313% | 25 |
| Return on assets (ROA) | 7.9873% | 24 |
| Pretax return on assets | 10.3531% | 23 |
| Return on Equity (ROE) | 27.6673% | 78 |
| Retained earnings to average equity (ytd only) | 20.9704% | 63 |
| Net charge-offs to loans | -0.1268% | 4,500 |
| Credit loss provision to net charge-offs | 126.4574% | 1,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2683% | 4,708 |
| Assets per employee ($millions) | 171.9632% | 11 |
| Cash dividends to net income (ytd only)* | 24.2051% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,710 |
| Loan loss allowance to noncurrent loans | 9.3145% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 3.0496% | 59 |
| Noncurrent loans to loans | 12.8205% | 5 |
| Net loans and leases to total assets | 21.9457% | 4,632 |
| Net loans and leases to deposits | 49.1496% | 3,857 |
| Net loans and leases to core deposits | 299.7224% | 16 |
| Total domestic deposits to total assets | 44.6508% | 4,728 |
| Equity capital to assets | 19.2091% | 185 |
| Core capital (leverage) ratio | 26.2375% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.9063% | 81 |
| Memoranda: | ||
| Average total assets | $9,724,089,333 | 160 |
| Average earning assets | $8,300,263,000 | 170 |
| Average equity | $2,807,273,667 | 83 |
| Average total loans | $3,166,079,333 | 267 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 460 |
| Cost of funding earning assets | 0.4258% | 752 |
| Net interest margin | 3.8499% | 570 |
| Noninterest income to average assets | 11.5106% | 55 |
| Noninterest expense to average assets | 2.9428% | 894 |
| Loan and lease loss provision to assets | -0.3608% | 4,741 |
| Net operating income to assets | 9.2665% | 27 |
| Return on assets (ROA) | 9.2051% | 25 |
| Pretax return on assets | 12.0556% | 24 |
| Return on Equity (ROE) | 23.8659% | 108 |
| Retained earnings to average equity (ytd only) | 21.1584% | 82 |
| Net charge-offs to loans | -0.3555% | 4,677 |
| Credit loss provision to net charge-offs | 236.2851% | 734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.9981% | 4,779 |
| Assets per employee ($millions) | 114.6117% | 15 |
| Cash dividends to net income (ytd only)* | 11.3446% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,071 |
| Loan loss allowance to noncurrent loans | 5.5692% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 7.2970% | 8 |
| Noncurrent loans to loans | 20.7627% | 3 |
| Net loans and leases to total assets | 33.1096% | 4,334 |
| Net loans and leases to deposits | 88.5616% | 589 |
| Net loans and leases to core deposits | 336.1881% | 13 |
| Total domestic deposits to total assets | 37.3859% | 4,764 |
| Equity capital to assets | 31.4426% | 58 |
| Core capital (leverage) ratio | 44.0414% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.4873% | 66 |
| Memoranda: | ||
| Average total assets | $7,277,696,500 | 205 |
| Average earning assets | $6,058,246,500 | 222 |
| Average equity | $2,807,022,500 | 83 |
| Average total loans | $3,125,848,000 | 269 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4716% | 31 |
| Cost of funding earning assets | 0.1856% | 3,593 |
| Net interest margin | 7.2860% | 28 |
| Noninterest income to average assets | 8.2344% | 77 |
| Noninterest expense to average assets | 5.6872% | 138 |
| Loan and lease loss provision to assets | -1.0557% | 4,834 |
| Net operating income to assets | 7.0485% | 27 |
| Return on assets (ROA) | 7.8241% | 25 |
| Pretax return on assets | 10.2702% | 25 |
| Return on Equity (ROE) | 18.4215% | 427 |
| Retained earnings to average equity (ytd only) | 14.5572% | 262 |
| Net charge-offs to loans | 0.0096% | 2,207 |
| Credit loss provision to net charge-offs | -21,159.2105% | 4,269 |
| Earnings coverage of net charge-offs (x) | 1,650.0263% | 89 |
| Efficiency ratio | 40.8567% | 4,670 |
| Assets per employee ($millions) | 64.1245% | 26 |
| Cash dividends to net income (ytd only)* | 20.9771% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,703 |
| Loan loss allowance to noncurrent loans | 9.3812% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 8.3714% | 5 |
| Noncurrent loans to loans | 13.1720% | 6 |
| Net loans and leases to total assets | 58.3146% | 2,341 |
| Net loans and leases to deposits | 126.2308% | 28 |
| Net loans and leases to core deposits | 383.7492% | 13 |
| Total domestic deposits to total assets | 46.1968% | 4,799 |
| Equity capital to assets | 50.7029% | 35 |
| Core capital (leverage) ratio | 48.2939% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.9173% | 56 |
| Memoranda: | ||
| Average total assets | $6,092,862,600 | 226 |
| Average earning assets | $4,754,532,800 | 261 |
| Average equity | $2,587,796,000 | 90 |
| Average total loans | $3,154,940,200 | 259 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5584% | 53 |
| Cost of funding earning assets | 0.2030% | 3,575 |
| Net interest margin | 6.3554% | 45 |
| Noninterest income to average assets | 8.9678% | 75 |
| Noninterest expense to average assets | 5.4151% | 148 |
| Loan and lease loss provision to assets | -0.7813% | 4,902 |
| Net operating income to assets | 7.0949% | 31 |
| Return on assets (ROA) | 8.1643% | 26 |
| Pretax return on assets | 10.6005% | 24 |
| Return on Equity (ROE) | 20.0573% | 425 |
| Retained earnings to average equity (ytd only) | 16.1388% | 288 |
| Net charge-offs to loans | 0.0115% | 1,901 |
| Credit loss provision to net charge-offs | -13,506.6176% | 4,225 |
| Earnings coverage of net charge-offs (x) | 1,463.4816% | 101 |
| Efficiency ratio | 39.0122% | 4,746 |
| Assets per employee ($millions) | 62.5321% | 28 |
| Cash dividends to net income (ytd only)* | 19.5362% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 428 |
| Loan loss allowance to noncurrent loans | 15.7985% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 14.4245% | 3 |
| Noncurrent loans to loans | 14.1714% | 6 |
| Net loans and leases to total assets | 50.7916% | 3,315 |
| Net loans and leases to deposits | 101.9801% | 191 |
| Net loans and leases to core deposits | 354.7162% | 18 |
| Total domestic deposits to total assets | 49.8053% | 4,868 |
| Equity capital to assets | 46.3126% | 35 |
| Core capital (leverage) ratio | 46.0450% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.5536% | 69 |
| Memoranda: | ||
| Average total assets | $6,269,464,500 | 223 |
| Average earning assets | $4,846,466,750 | 259 |
| Average equity | $2,551,972,750 | 91 |
| Average total loans | $3,148,578,500 | 259 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2107% | 78 |
| Cost of funding earning assets | 0.2222% | 3,539 |
| Net interest margin | 5.9885% | 60 |
| Noninterest income to average assets | 5.5793% | 100 |
| Noninterest expense to average assets | 4.0378% | 281 |
| Loan and lease loss provision to assets | -0.1211% | 4,662 |
| Net operating income to assets | 4.8861% | 56 |
| Return on assets (ROA) | 4.9226% | 54 |
| Pretax return on assets | 6.3650% | 51 |
| Return on Equity (ROE) | 12.6106% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.8152% | 960 |
| Net charge-offs to loans | -0.0330% | 4,199 |
| Credit loss provision to net charge-offs | 738.8258% | 564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4493% | 4,766 |
| Assets per employee ($millions) | 52.8672% | 32 |
| Cash dividends to net income (ytd only)* | 6.3072% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2629% | 121 |
| Loan loss allowance to noncurrent loans | 21.0026% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 16.3458% | 3 |
| Noncurrent loans to loans | 15.5356% | 5 |
| Net loans and leases to total assets | 52.2140% | 3,324 |
| Net loans and leases to deposits | 106.2330% | 159 |
| Net loans and leases to core deposits | 374.8365% | 17 |
| Total domestic deposits to total assets | 49.1504% | 4,897 |
| Equity capital to assets | 44.7109% | 39 |
| Core capital (leverage) ratio | 41.6386% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6540% | 101 |
| Memoranda: | ||
| Average total assets | $6,441,635,000 | 218 |
| Average earning assets | $5,008,510,667 | 249 |
| Average equity | $2,514,517,000 | 91 |
| Average total loans | $3,201,794,000 | 259 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8930% | 127 |
| Cost of funding earning assets | 0.2487% | 3,485 |
| Net interest margin | 5.6443% | 85 |
| Noninterest income to average assets | 11.8028% | 63 |
| Noninterest expense to average assets | 3.0203% | 960 |
| Loan and lease loss provision to assets | -0.1420% | 4,768 |
| Net operating income to assets | 10.3931% | 20 |
| Return on assets (ROA) | 10.6514% | 20 |
| Pretax return on assets | 13.7056% | 19 |
| Return on Equity (ROE) | 29.0583% | 157 |
| Retained earnings to average equity (ytd only) | 28.2568% | 91 |
| Net charge-offs to loans | -0.0831% | 4,577 |
| Credit loss provision to net charge-offs | 356.3422% | 693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.5786% | 4,954 |
| Assets per employee ($millions) | 49.7319% | 30 |
| Cash dividends to net income (ytd only)* | 2.7582% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2468% | 122 |
| Loan loss allowance to noncurrent loans | 20.7728% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 14.6637% | 3 |
| Noncurrent loans to loans | 15.6302% | 6 |
| Net loans and leases to total assets | 48.2141% | 3,793 |
| Net loans and leases to deposits | 88.8696% | 774 |
| Net loans and leases to core deposits | 358.8449% | 16 |
| Total domestic deposits to total assets | 54.2526% | 4,913 |
| Equity capital to assets | 40.9409% | 40 |
| Core capital (leverage) ratio | 36.5792% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4697% | 110 |
| Memoranda: | ||
| Average total assets | $6,807,622,000 | 208 |
| Average earning assets | $5,372,299,000 | 236 |
| Average equity | $2,495,355,500 | 92 |
| Average total loans | $3,261,792,000 | 256 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6585% | 144 |
| Cost of funding earning assets | 0.6304% | 2,116 |
| Net interest margin | 5.0281% | 119 |
| Noninterest income to average assets | 1.4853% | 548 |
| Noninterest expense to average assets | 3.2378% | 993 |
| Loan and lease loss provision to assets | 2.2172% | 26 |
| Net operating income to assets | 0.3829% | 4,279 |
| Return on assets (ROA) | 2.1478% | 212 |
| Pretax return on assets | 2.7442% | 143 |
| Return on Equity (ROE) | 6.6392% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.5195% | 2,032 |
| Net charge-offs to loans | 2.5964% | 34 |
| Credit loss provision to net charge-offs | 154.9333% | 2,391 |
| Earnings coverage of net charge-offs (x) | 1.9058% | 3,223 |
| Efficiency ratio | 54.2791% | 4,180 |
| Assets per employee ($millions) | 54.4723% | 26 |
| Cash dividends to net income (ytd only)* | 16.8663% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0782% | 136 |
| Loan loss allowance to noncurrent loans | 20.7150% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 12.8208% | 3 |
| Noncurrent loans to loans | 14.8599% | 8 |
| Net loans and leases to total assets | 44.8302% | 4,205 |
| Net loans and leases to deposits | 68.4775% | 3,034 |
| Net loans and leases to core deposits | 334.4782% | 18 |
| Total domestic deposits to total assets | 65.4671% | 4,855 |
| Equity capital to assets | 32.9470% | 53 |
| Core capital (leverage) ratio | 28.7814% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6441% | 146 |
| Memoranda: | ||
| Average total assets | $7,177,175,000 | 187 |
| Average earning assets | $6,394,567,200 | 191 |
| Average equity | $2,321,861,200 | 96 |
| Average total loans | $3,955,935,800 | 223 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6612% | 163 |
| Cost of funding earning assets | 0.7173% | 1,922 |
| Net interest margin | 4.9440% | 153 |
| Noninterest income to average assets | 0.8289% | 1,397 |
| Noninterest expense to average assets | 2.7293% | 2,173 |
| Loan and lease loss provision to assets | 0.8786% | 185 |
| Net operating income to assets | 1.3159% | 1,319 |
| Return on assets (ROA) | 1.9880% | 331 |
| Pretax return on assets | 2.5712% | 189 |
| Return on Equity (ROE) | 6.1743% | 3,492 |
| Retained earnings to average equity (ytd only) | 4.6679% | 2,707 |
| Net charge-offs to loans | 1.1480% | 117 |
| Credit loss provision to net charge-offs | 133.3834% | 2,426 |
| Earnings coverage of net charge-offs (x) | 3.9456% | 2,866 |
| Efficiency ratio | 51.2218% | 4,402 |
| Assets per employee ($millions) | 60.5221% | 24 |
| Cash dividends to net income (ytd only)* | 24.3992% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,704 |
| Loan loss allowance to noncurrent loans | 4.5929% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 15.6910% | 3 |
| Noncurrent loans to loans | 30.6677% | 2 |
| Net loans and leases to total assets | 50.0545% | 4,097 |
| Net loans and leases to deposits | 75.8189% | 2,768 |
| Net loans and leases to core deposits | 395.9055% | 16 |
| Total domestic deposits to total assets | 66.0185% | 4,853 |
| Equity capital to assets | 29.3444% | 66 |
| Core capital (leverage) ratio | 29.2600% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5253% | 265 |
| Memoranda: | ||
| Average total assets | $7,146,646,500 | 184 |
| Average earning assets | $6,504,120,250 | 185 |
| Average equity | $2,301,101,500 | 97 |
| Average total loans | $4,100,866,000 | 218 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7671% | 203 |
| Cost of funding earning assets | 0.8761% | 1,478 |
| Net interest margin | 4.8910% | 245 |
| Noninterest income to average assets | -0.3429% | 5,048 |
| Noninterest expense to average assets | 2.2174% | 3,727 |
| Loan and lease loss provision to assets | -0.4891% | 5,057 |
| Net operating income to assets | 1.7855% | 517 |
| Return on assets (ROA) | 3.6947% | 60 |
| Pretax return on assets | 4.7718% | 48 |
| Return on Equity (ROE) | 11.0739% | 1,607 |
| Retained earnings to average equity (ytd only) | 8.7701% | 1,087 |
| Net charge-offs to loans | -0.5259% | 5,002 |
| Credit loss provision to net charge-offs | 154.7811% | 2,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3034% | 4,145 |
| Assets per employee ($millions) | 54.7164% | 25 |
| Cash dividends to net income (ytd only)* | 20.8042% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,532 |
| Loan loss allowance to noncurrent loans | 3.1631% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 16.7059% | 4 |
| Noncurrent loans to loans | 31.8496% | 1 |
| Net loans and leases to total assets | 50.5388% | 4,135 |
| Net loans and leases to deposits | 102.5873% | 431 |
| Net loans and leases to core deposits | 420.4530% | 15 |
| Total domestic deposits to total assets | 49.2642% | 5,007 |
| Equity capital to assets | 29.6159% | 65 |
| Core capital (leverage) ratio | 31.3498% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6111% | 291 |
| Memoranda: | ||
| Average total assets | $6,765,018,667 | 192 |
| Average earning assets | $6,122,274,333 | 189 |
| Average equity | $2,257,102,000 | 101 |
| Average total loans | $4,064,628,667 | 217 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9942% | 166 |
| Cost of funding earning assets | 1.0644% | 1,166 |
| Net interest margin | 4.9298% | 221 |
| Noninterest income to average assets | -1.9662% | 5,107 |
| Noninterest expense to average assets | 2.5917% | 3,001 |
| Loan and lease loss provision to assets | -1.1043% | 5,108 |
| Net operating income to assets | 0.8406% | 2,748 |
| Return on assets (ROA) | -0.2483% | 4,843 |
| Pretax return on assets | -0.2799% | 4,842 |
| Return on Equity (ROE) | -0.6924% | 4,785 |
| Retained earnings to average equity (ytd only) | -3.4365% | 4,401 |
| Net charge-offs to loans | -1.0289% | 5,055 |
| Credit loss provision to net charge-offs | 162.4156% | 1,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6131% | 167 |
| Assets per employee ($millions) | 53.8820% | 24 |
| Cash dividends to net income (ytd only)* | -396.3012% | 5,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,713 |
| Loan loss allowance to noncurrent loans | 3.2531% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 19.1489% | 3 |
| Noncurrent loans to loans | 30.7524% | 1 |
| Net loans and leases to total assets | 60.7801% | 3,423 |
| Net loans and leases to deposits | 106.4543% | 278 |
| Net loans and leases to core deposits | 419.0551% | 12 |
| Total domestic deposits to total assets | 57.0950% | 5,042 |
| Equity capital to assets | 31.6236% | 63 |
| Core capital (leverage) ratio | 38.6305% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7296% | 269 |
| Memoranda: | ||
| Average total assets | $6,098,514,000 | 203 |
| Average earning assets | $5,439,558,000 | 204 |
| Average equity | $2,186,502,500 | 105 |
| Average total loans | $4,029,794,000 | 214 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3600% | 30 |
| Cost of funding earning assets | 1.4364% | 490 |
| Net interest margin | 7.9237% | 27 |
| Noninterest income to average assets | -2.1728% | 5,177 |
| Noninterest expense to average assets | 2.5848% | 3,220 |
| Loan and lease loss provision to assets | -0.6304% | 5,173 |
| Net operating income to assets | 2.1540% | 246 |
| Return on assets (ROA) | 1.8900% | 458 |
| Pretax return on assets | 2.4023% | 245 |
| Return on Equity (ROE) | 4.5178% | 4,342 |
| Retained earnings to average equity (ytd only) | 0.6716% | 4,498 |
| Net charge-offs to loans | 0.5261% | 351 |
| Credit loss provision to net charge-offs | -176.8344% | 4,285 |
| Earnings coverage of net charge-offs (x) | 5.9075% | 3,031 |
| Efficiency ratio | 55.1030% | 4,312 |
| Assets per employee ($millions) | 44.1252% | 24 |
| Cash dividends to net income (ytd only)* | 85.1337% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,437 |
| Loan loss allowance to noncurrent loans | 28.7104% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 3.4152% | 137 |
| Noncurrent loans to loans | 4.1810% | 154 |
| Net loans and leases to total assets | 70.8909% | 2,268 |
| Net loans and leases to deposits | 137.5277% | 25 |
| Net loans and leases to core deposits | 442.2640% | 13 |
| Total domestic deposits to total assets | 51.5467% | 5,124 |
| Equity capital to assets | 40.9764% | 47 |
| Core capital (leverage) ratio | 42.1688% | 46 |
| Tier 1 risk-based capital ratio | 40.8743% | 232 |
| Total risk-based capital ratio | 41.7910% | 232 |
| Memoranda: | ||
| Average total assets | $5,282,828,400 | 214 |
| Average earning assets | $4,576,158,200 | 228 |
| Average equity | $2,209,989,800 | 96 |
| Average total loans | $3,579,714,600 | 224 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7401% | 27 |
| Cost of funding earning assets | 1.4956% | 413 |
| Net interest margin | 8.2446% | 28 |
| Noninterest income to average assets | -3.8887% | 5,256 |
| Noninterest expense to average assets | 2.4118% | 3,650 |
| Loan and lease loss provision to assets | -0.0738% | 5,143 |
| Net operating income to assets | 0.7311% | 3,909 |
| Return on assets (ROA) | 0.5748% | 4,409 |
| Pretax return on assets | 0.6977% | 4,345 |
| Return on Equity (ROE) | 1.3666% | 4,979 |
| Retained earnings to average equity (ytd only) | -2.8806% | 4,986 |
| Net charge-offs to loans | 0.6878% | 230 |
| Credit loss provision to net charge-offs | -16.0901% | 3,969 |
| Earnings coverage of net charge-offs (x) | 1.7751% | 3,256 |
| Efficiency ratio | 74.7542% | 1,472 |
| Assets per employee ($millions) | 38.7206% | 26 |
| Cash dividends to net income (ytd only)* | 310.7934% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4420% | 237 |
| Loan loss allowance to noncurrent loans | 45.8003% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 3.9402% | 107 |
| Noncurrent loans to loans | 5.3319% | 93 |
| Net loans and leases to total assets | 65.0173% | 3,175 |
| Net loans and leases to deposits | 140.1432% | 22 |
| Net loans and leases to core deposits | 338.4412% | 16 |
| Total domestic deposits to total assets | 46.3935% | 5,211 |
| Equity capital to assets | 45.4388% | 42 |
| Core capital (leverage) ratio | 40.9654% | 51 |
| Tier 1 risk-based capital ratio | 46.2926% | 164 |
| Total risk-based capital ratio | 47.5490% | 161 |
| Memoranda: | ||
| Average total assets | $5,224,621,500 | 216 |
| Average earning assets | $4,508,830,750 | 231 |
| Average equity | $2,197,458,500 | 97 |
| Average total loans | $3,485,241,750 | 232 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9555% | 49 |
| Cost of funding earning assets | 1.4575% | 437 |
| Net interest margin | 6.4979% | 49 |
| Noninterest income to average assets | -4.3945% | 5,303 |
| Noninterest expense to average assets | 2.4912% | 3,509 |
| Loan and lease loss provision to assets | -0.0725% | 5,196 |
| Net operating income to assets | -0.8818% | 5,216 |
| Return on assets (ROA) | -0.9894% | 5,228 |
| Pretax return on assets | -1.3533% | 5,238 |
| Return on Equity (ROE) | -2.4106% | 5,173 |
| Retained earnings to average equity (ytd only) | -7.4178% | 5,125 |
| Net charge-offs to loans | 0.9683% | 147 |
| Credit loss provision to net charge-offs | -11.2248% | 3,760 |
| Earnings coverage of net charge-offs (x) | -1.9961% | 3,128 |
| Efficiency ratio | 207.3357% | 20 |
| Assets per employee ($millions) | 42.1536% | 24 |
| Cash dividends to net income (ytd only)* | -207.7118% | 5,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1691% | 346 |
| Loan loss allowance to noncurrent loans | 18.0108% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 8.8180% | 20 |
| Noncurrent loans to loans | 12.0431% | 19 |
| Net loans and leases to total assets | 68.8305% | 2,697 |
| Net loans and leases to deposits | 139.1176% | 25 |
| Net loans and leases to core deposits | 384.3008% | 15 |
| Total domestic deposits to total assets | 49.4765% | 5,252 |
| Equity capital to assets | 41.1538% | 47 |
| Core capital (leverage) ratio | 39.6402% | 50 |
| Tier 1 risk-based capital ratio | 39.5452% | 241 |
| Total risk-based capital ratio | 40.7992% | 238 |
| Memoranda: | ||
| Average total assets | $5,352,804,000 | 217 |
| Average earning assets | $4,609,865,000 | 224 |
| Average equity | $2,196,854,670 | 96 |
| Average total loans | $3,571,770,330 | 229 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1399% | 46 |
| Cost of funding earning assets | 1.4320% | 406 |
| Net interest margin | 6.7079% | 44 |
| Noninterest income to average assets | -5.1324% | 5,360 |
| Noninterest expense to average assets | 2.8421% | 2,437 |
| Loan and lease loss provision to assets | -0.3420% | 5,327 |
| Net operating income to assets | -1.3070% | 5,300 |
| Return on assets (ROA) | -1.5043% | 5,305 |
| Pretax return on assets | -2.1146% | 5,314 |
| Return on Equity (ROE) | -3.6703% | 5,249 |
| Retained earnings to average equity (ytd only) | -13.6204% | 5,186 |
| Net charge-offs to loans | 1.5898% | 74 |
| Credit loss provision to net charge-offs | -33.1155% | 3,457 |
| Earnings coverage of net charge-offs (x) | -2.1370% | 2,701 |
| Efficiency ratio | 447.3623% | 3 |
| Assets per employee ($millions) | 42.9735% | 24 |
| Cash dividends to net income (ytd only)* | -271.0962% | 5,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 289 |
| Loan loss allowance to noncurrent loans | 15.8712% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 9.7026% | 17 |
| Noncurrent loans to loans | 14.7231% | 9 |
| Net loans and leases to total assets | 62.1116% | 3,490 |
| Net loans and leases to deposits | 125.0380% | 59 |
| Net loans and leases to core deposits | 293.2530% | 26 |
| Total domestic deposits to total assets | 49.6742% | 5,313 |
| Equity capital to assets | 39.8233% | 48 |
| Core capital (leverage) ratio | 37.7215% | 49 |
| Tier 1 risk-based capital ratio | 41.5479% | 214 |
| Total risk-based capital ratio | 42.8030% | 210 |
| Memoranda: | ||
| Average total assets | $5,394,603,000 | 217 |
| Average earning assets | $4,638,501,500 | 223 |
| Average equity | $2,211,042,500 | 92 |
| Average total loans | $3,504,038,000 | 233 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7374% | 48 |
| Cost of funding earning assets | 1.2276% | 303 |
| Net interest margin | 6.5098% | 49 |
| Noninterest income to average assets | 3.0470% | 151 |
| Noninterest expense to average assets | 2.8365% | 2,559 |
| Loan and lease loss provision to assets | -0.5317% | 5,387 |
| Net operating income to assets | 4.1726% | 45 |
| Return on assets (ROA) | 3.8684% | 50 |
| Pretax return on assets | 5.8779% | 37 |
| Return on Equity (ROE) | 9.6906% | 2,643 |
| Retained earnings to average equity (ytd only) | 1.3539% | 4,591 |
| Net charge-offs to loans | 0.1615% | 1,193 |
| Credit loss provision to net charge-offs | -493.6696% | 4,629 |
| Earnings coverage of net charge-offs (x) | 53.2135% | 1,094 |
| Efficiency ratio | 33.1073% | 5,347 |
| Assets per employee ($millions) | 41.6529% | 25 |
| Cash dividends to net income (ytd only)* | 86.0293% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8171% | 160 |
| Loan loss allowance to noncurrent loans | 19.4076% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 10.0896% | 13 |
| Noncurrent loans to loans | 14.5155% | 13 |
| Net loans and leases to total assets | 64.4744% | 3,303 |
| Net loans and leases to deposits | 143.0681% | 19 |
| Net loans and leases to core deposits | 274.8517% | 28 |
| Total domestic deposits to total assets | 45.0655% | 5,363 |
| Equity capital to assets | 42.1765% | 42 |
| Core capital (leverage) ratio | 38.4758% | 51 |
| Tier 1 risk-based capital ratio | 41.9055% | 209 |
| Total risk-based capital ratio | 43.1645% | 205 |
| Memoranda: | ||
| Average total assets | $5,558,903,200 | 204 |
| Average earning assets | $4,714,247,000 | 217 |
| Average equity | $2,219,077,800 | 90 |
| Average total loans | $3,706,243,400 | 220 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6402% | 48 |
| Cost of funding earning assets | 1.1510% | 324 |
| Net interest margin | 6.4892% | 50 |
| Noninterest income to average assets | 4.1708% | 113 |
| Noninterest expense to average assets | 2.6759% | 3,044 |
| Loan and lease loss provision to assets | -0.4194% | 5,448 |
| Net operating income to assets | 5.1423% | 33 |
| Return on assets (ROA) | 4.9870% | 35 |
| Pretax return on assets | 7.2252% | 32 |
| Return on Equity (ROE) | 12.6626% | 1,557 |
| Retained earnings to average equity (ytd only) | 2.1129% | 4,537 |
| Net charge-offs to loans | 0.1709% | 969 |
| Credit loss provision to net charge-offs | -367.5614% | 4,433 |
| Earnings coverage of net charge-offs (x) | 61.3681% | 1,049 |
| Efficiency ratio | 27.6487% | 5,440 |
| Assets per employee ($millions) | 43.2989% | 26 |
| Cash dividends to net income (ytd only)* | 83.3143% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1112% | 122 |
| Loan loss allowance to noncurrent loans | 15.5209% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 13.5002% | 10 |
| Noncurrent loans to loans | 20.0451% | 4 |
| Net loans and leases to total assets | 61.8858% | 3,669 |
| Net loans and leases to deposits | 132.1773% | 37 |
| Net loans and leases to core deposits | 296.4252% | 21 |
| Total domestic deposits to total assets | 46.8203% | 5,431 |
| Equity capital to assets | 39.9789% | 45 |
| Core capital (leverage) ratio | 38.7672% | 48 |
| Tier 1 risk-based capital ratio | 40.8120% | 221 |
| Total risk-based capital ratio | 42.0735% | 220 |
| Memoranda: | ||
| Average total assets | $5,615,735,000 | 204 |
| Average earning assets | $4,766,165,000 | 215 |
| Average equity | $2,211,678,750 | 90 |
| Average total loans | $3,748,517,500 | 213 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5713% | 46 |
| Cost of funding earning assets | 1.1013% | 290 |
| Net interest margin | 6.4699% | 48 |
| Noninterest income to average assets | 3.8874% | 119 |
| Noninterest expense to average assets | 2.4090% | 3,872 |
| Loan and lease loss provision to assets | -0.6530% | 5,523 |
| Net operating income to assets | 4.9562% | 36 |
| Return on assets (ROA) | 4.9032% | 36 |
| Pretax return on assets | 7.5548% | 31 |
| Return on Equity (ROE) | 12.5138% | 1,539 |
| Retained earnings to average equity (ytd only) | -2.5340% | 5,189 |
| Net charge-offs to loans | 0.1744% | 890 |
| Credit loss provision to net charge-offs | -552.8896% | 4,383 |
| Earnings coverage of net charge-offs (x) | 59.0082% | 1,010 |
| Efficiency ratio | 25.6884% | 5,509 |
| Assets per employee ($millions) | 40.2862% | 26 |
| Cash dividends to net income (ytd only)* | 120.2492% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9931% | 142 |
| Loan loss allowance to noncurrent loans | 13.0143% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 16.8429% | 7 |
| Noncurrent loans to loans | 22.9988% | 3 |
| Net loans and leases to total assets | 67.7020% | 2,914 |
| Net loans and leases to deposits | 146.3380% | 13 |
| Net loans and leases to core deposits | 325.2992% | 19 |
| Total domestic deposits to total assets | 46.2641% | 5,497 |
| Equity capital to assets | 40.5650% | 48 |
| Core capital (leverage) ratio | 36.5894% | 55 |
| Tier 1 risk-based capital ratio | 37.9822% | 266 |
| Total risk-based capital ratio | 39.2428% | 258 |
| Memoranda: | ||
| Average total assets | $5,596,928,000 | 201 |
| Average earning assets | $4,749,658,000 | 212 |
| Average equity | $2,193,017,000 | 90 |
| Average total loans | $3,790,365,000 | 209 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1790% | 52 |
| Cost of funding earning assets | 0.9800% | 408 |
| Net interest margin | 6.1990% | 58 |
| Noninterest income to average assets | -0.0054% | 5,578 |
| Noninterest expense to average assets | 2.4920% | 3,674 |
| Loan and lease loss provision to assets | -0.7554% | 5,588 |
| Net operating income to assets | 3.5063% | 63 |
| Return on assets (ROA) | 3.4465% | 63 |
| Pretax return on assets | 3.4508% | 79 |
| Return on Equity (ROE) | 8.9472% | 2,928 |
| Retained earnings to average equity (ytd only) | -20.3242% | 5,508 |
| Net charge-offs to loans | 0.2100% | 709 |
| Credit loss provision to net charge-offs | -538.9140% | 4,030 |
| Earnings coverage of net charge-offs (x) | 19.6571% | 1,492 |
| Efficiency ratio | 47.4913% | 5,214 |
| Assets per employee ($millions) | 43.5995% | 27 |
| Cash dividends to net income (ytd only)* | 327.1582% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2287% | 120 |
| Loan loss allowance to noncurrent loans | 15.7534% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 14.4562% | 8 |
| Noncurrent loans to loans | 20.4953% | 3 |
| Net loans and leases to total assets | 63.7861% | 3,339 |
| Net loans and leases to deposits | 124.1450% | 76 |
| Net loans and leases to core deposits | 299.6309% | 26 |
| Total domestic deposits to total assets | 51.3804% | 5,554 |
| Equity capital to assets | 36.9891% | 53 |
| Core capital (leverage) ratio | 36.4161% | 53 |
| Tier 1 risk-based capital ratio | 35.9016% | 308 |
| Total risk-based capital ratio | 37.1638% | 304 |
| Memoranda: | ||
| Average total assets | $5,676,071,000 | 198 |
| Average earning assets | $4,809,555,000 | 206 |
| Average equity | $2,186,434,000 | 90 |
| Average total loans | $3,787,707,000 | 210 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1913% | 35 |
| Cost of funding earning assets | 0.7325% | 883 |
| Net interest margin | 7.4588% | 30 |
| Noninterest income to average assets | 0.7016% | 1,958 |
| Noninterest expense to average assets | 2.6906% | 3,155 |
| Loan and lease loss provision to assets | 0.2768% | 643 |
| Net operating income to assets | 4.4220% | 40 |
| Return on assets (ROA) | 3.9712% | 46 |
| Pretax return on assets | 3.9922% | 65 |
| Return on Equity (ROE) | 10.1986% | 1,807 |
| Retained earnings to average equity (ytd only) | 5.2247% | 1,983 |
| Net charge-offs to loans | 1.7236% | 87 |
| Credit loss provision to net charge-offs | 22.6654% | 3,593 |
| Earnings coverage of net charge-offs (x) | 3.8690% | 3,539 |
| Efficiency ratio | 36.2869% | 5,577 |
| Assets per employee ($millions) | 42.0828% | 26 |
| Cash dividends to net income (ytd only)* | 48.7707% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5746% | 83 |
| Loan loss allowance to noncurrent loans | 55.6875% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 5.3557% | 83 |
| Noncurrent loans to loans | 6.4190% | 77 |
| Net loans and leases to total assets | 65.1557% | 3,206 |
| Net loans and leases to deposits | 121.5868% | 93 |
| Net loans and leases to core deposits | 395.0624% | 18 |
| Total domestic deposits to total assets | 53.5878% | 5,614 |
| Equity capital to assets | 40.0946% | 43 |
| Core capital (leverage) ratio | 38.4216% | 44 |
| Tier 1 risk-based capital ratio | 40.0078% | 216 |
| Total risk-based capital ratio | 41.2746% | 214 |
| Memoranda: | ||
| Average total assets | $5,369,717,000 | 200 |
| Average earning assets | $4,832,953,800 | 199 |
| Average equity | $2,090,904,200 | 86 |
| Average total loans | $3,804,115,000 | 199 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2466% | 36 |
| Cost of funding earning assets | 0.6911% | 1,006 |
| Net interest margin | 7.5555% | 33 |
| Noninterest income to average assets | 1.0967% | 847 |
| Noninterest expense to average assets | 2.7072% | 3,042 |
| Loan and lease loss provision to assets | 0.4716% | 258 |
| Net operating income to assets | 4.7417% | 42 |
| Return on assets (ROA) | 4.3149% | 46 |
| Pretax return on assets | 4.3307% | 64 |
| Return on Equity (ROE) | 11.1686% | 1,621 |
| Retained earnings to average equity (ytd only) | 5.0627% | 2,847 |
| Net charge-offs to loans | 0.0814% | 1,988 |
| Credit loss provision to net charge-offs | 808.3011% | 429 |
| Earnings coverage of net charge-offs (x) | 89.6199% | 747 |
| Efficiency ratio | 34.1121% | 5,665 |
| Assets per employee ($millions) | 40.2546% | 27 |
| Cash dividends to net income (ytd only)* | 54.6702% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9677% | 42 |
| Loan loss allowance to noncurrent loans | 39.1810% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 11.2367% | 20 |
| Noncurrent loans to loans | 12.6787% | 14 |
| Net loans and leases to total assets | 71.7677% | 2,288 |
| Net loans and leases to deposits | 136.3130% | 24 |
| Net loans and leases to core deposits | 479.3381% | 15 |
| Total domestic deposits to total assets | 52.6492% | 5,686 |
| Equity capital to assets | 41.0365% | 42 |
| Core capital (leverage) ratio | 39.6702% | 44 |
| Tier 1 risk-based capital ratio | 37.4340% | 273 |
| Total risk-based capital ratio | 38.7143% | 267 |
| Memoranda: | ||
| Average total assets | $5,312,893,750 | 202 |
| Average earning assets | $4,809,453,750 | 202 |
| Average equity | $2,052,606,000 | 85 |
| Average total loans | $3,809,654,250 | 199 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4953% | 33 |
| Cost of funding earning assets | 0.6719% | 1,034 |
| Net interest margin | 7.8234% | 32 |
| Noninterest income to average assets | 1.2438% | 672 |
| Noninterest expense to average assets | 2.7262% | 2,991 |
| Loan and lease loss provision to assets | 0.4051% | 318 |
| Net operating income to assets | 5.1653% | 41 |
| Return on assets (ROA) | 4.5230% | 47 |
| Pretax return on assets | 4.5369% | 62 |
| Return on Equity (ROE) | 11.9601% | 1,311 |
| Retained earnings to average equity (ytd only) | 11.9601% | 325 |
| Net charge-offs to loans | 0.1096% | 1,538 |
| Credit loss provision to net charge-offs | 524.8529% | 639 |
| Earnings coverage of net charge-offs (x) | 72.3466% | 824 |
| Efficiency ratio | 32.8044% | 5,728 |
| Assets per employee ($millions) | 40.7880% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9630% | 45 |
| Loan loss allowance to noncurrent loans | 36.4309% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 12.0235% | 19 |
| Noncurrent loans to loans | 13.6230% | 12 |
| Net loans and leases to total assets | 70.2634% | 2,488 |
| Net loans and leases to deposits | 136.6966% | 31 |
| Net loans and leases to core deposits | 438.0473% | 19 |
| Total domestic deposits to total assets | 51.4010% | 5,734 |
| Equity capital to assets | 42.1679% | 41 |
| Core capital (leverage) ratio | 39.6776% | 41 |
| Tier 1 risk-based capital ratio | 39.0928% | 221 |
| Total risk-based capital ratio | 40.3724% | 218 |
| Memoranda: | ||
| Average total assets | $5,285,820,000 | 206 |
| Average earning assets | $4,774,559,670 | 204 |
| Average equity | $1,998,956,330 | 85 |
| Average total loans | $3,721,675,000 | 203 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0380% | 29 |
| Cost of funding earning assets | 0.6422% | 1,116 |
| Net interest margin | 8.3958% | 28 |
| Noninterest income to average assets | 0.8600% | 1,366 |
| Noninterest expense to average assets | 3.0654% | 1,971 |
| Loan and lease loss provision to assets | 0.4602% | 227 |
| Net operating income to assets | 4.8951% | 43 |
| Return on assets (ROA) | 3.9345% | 56 |
| Pretax return on assets | 3.9467% | 85 |
| Return on Equity (ROE) | 11.0421% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.0421% | 596 |
| Net charge-offs to loans | 0.1038% | 1,336 |
| Credit loss provision to net charge-offs | 645.9574% | 483 |
| Earnings coverage of net charge-offs (x) | 75.3383% | 685 |
| Efficiency ratio | 36.3502% | 5,751 |
| Assets per employee ($millions) | 38.1167% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1358% | 41 |
| Loan loss allowance to noncurrent loans | 35.1808% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 12.1083% | 23 |
| Noncurrent loans to loans | 14.5982% | 12 |
| Net loans and leases to total assets | 67.0803% | 2,805 |
| Net loans and leases to deposits | 135.0027% | 27 |
| Net loans and leases to core deposits | 330.8156% | 22 |
| Total domestic deposits to total assets | 49.6882% | 5,805 |
| Equity capital to assets | 41.0274% | 44 |
| Core capital (leverage) ratio | 39.8986% | 46 |
| Tier 1 risk-based capital ratio | 38.1208% | 255 |
| Total risk-based capital ratio | 39.4000% | 249 |
| Memoranda: | ||
| Average total assets | $5,277,512,500 | 204 |
| Average earning assets | $4,760,220,000 | 203 |
| Average equity | $1,880,472,000 | 91 |
| Average total loans | $3,622,396,500 | 204 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8028% | 44 |
| Cost of funding earning assets | 0.5875% | 1,435 |
| Net interest margin | 7.2152% | 38 |
| Noninterest income to average assets | 0.4879% | 3,314 |
| Noninterest expense to average assets | 2.1005% | 4,996 |
| Loan and lease loss provision to assets | 4.6122% | 10 |
| Net operating income to assets | 0.5049% | 4,612 |
| Return on assets (ROA) | 1.2741% | 1,360 |
| Pretax return on assets | 1.2866% | 2,325 |
| Return on Equity (ROE) | 3.8381% | 4,890 |
| Retained earnings to average equity (ytd only) | -1.8931% | 5,524 |
| Net charge-offs to loans | 4.9610% | 10 |
| Credit loss provision to net charge-offs | 141.6314% | 1,934 |
| Earnings coverage of net charge-offs (x) | 1.5728% | 3,969 |
| Efficiency ratio | 29.0827% | 5,873 |
| Assets per employee ($millions) | 37.8209% | 27 |
| Cash dividends to net income (ytd only)* | 149.3238% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2732% | 39 |
| Loan loss allowance to noncurrent loans | 33.8188% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 12.1530% | 25 |
| Noncurrent loans to loans | 15.5925% | 12 |
| Net loans and leases to total assets | 63.0676% | 3,475 |
| Net loans and leases to deposits | 109.9477% | 229 |
| Net loans and leases to core deposits | 295.8117% | 27 |
| Total domestic deposits to total assets | 57.3614% | 5,845 |
| Equity capital to assets | 30.2716% | 64 |
| Core capital (leverage) ratio | 27.8676% | 69 |
| Tier 1 risk-based capital ratio | 28.6114% | 535 |
| Total risk-based capital ratio | 29.8906% | 528 |
| Memoranda: | ||
| Average total assets | $5,258,044,400 | 198 |
| Average earning assets | $4,907,739,400 | 190 |
| Average equity | $1,745,434,600 | 94 |
| Average total loans | $3,451,475,600 | 205 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7983% | 42 |
| Cost of funding earning assets | 0.5676% | 1,559 |
| Net interest margin | 7.2307% | 39 |
| Noninterest income to average assets | 0.2195% | 5,152 |
| Noninterest expense to average assets | 1.9597% | 5,281 |
| Loan and lease loss provision to assets | 0.2670% | 676 |
| Net operating income to assets | 4.7726% | 36 |
| Return on assets (ROA) | 3.9370% | 53 |
| Pretax return on assets | 3.9576% | 71 |
| Return on Equity (ROE) | 11.6023% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.6023% | 347 |
| Net charge-offs to loans | 0.3899% | 560 |
| Credit loss provision to net charge-offs | 104.7216% | 2,289 |
| Earnings coverage of net charge-offs (x) | 19.8765% | 1,908 |
| Efficiency ratio | 27.8821% | 5,943 |
| Assets per employee ($millions) | 36.8995% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2685% | 139 |
| Loan loss allowance to noncurrent loans | 18.6230% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 13.2091% | 24 |
| Noncurrent loans to loans | 17.5509% | 10 |
| Net loans and leases to total assets | 62.7903% | 3,547 |
| Net loans and leases to deposits | 118.1622% | 130 |
| Net loans and leases to core deposits | 315.1890% | 27 |
| Total domestic deposits to total assets | 53.1391% | 5,925 |
| Equity capital to assets | 34.8925% | 56 |
| Core capital (leverage) ratio | 30.1125% | 63 |
| Tier 1 risk-based capital ratio | 32.3376% | 401 |
| Total risk-based capital ratio | 33.5999% | 394 |
| Memoranda: | ||
| Average total assets | $5,248,825,500 | 196 |
| Average earning assets | $4,942,604,250 | 189 |
| Average equity | $1,781,078,500 | 89 |
| Average total loans | $3,433,026,750 | 204 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7110% | 44 |
| Cost of funding earning assets | 0.5361% | 1,817 |
| Net interest margin | 7.1750% | 39 |
| Noninterest income to average assets | 0.0601% | 5,892 |
| Noninterest expense to average assets | 1.7402% | 5,653 |
| Loan and lease loss provision to assets | 0.5458% | 222 |
| Net operating income to assets | 4.4851% | 43 |
| Return on assets (ROA) | 3.3037% | 80 |
| Pretax return on assets | 3.3291% | 100 |
| Return on Equity (ROE) | 9.8328% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.8328% | 636 |
| Net charge-offs to loans | 0.5290% | 399 |
| Credit loss provision to net charge-offs | 157.3428% | 1,540 |
| Earnings coverage of net charge-offs (x) | 14.6110% | 2,051 |
| Efficiency ratio | 25.5596% | 6,026 |
| Assets per employee ($millions) | 37.8727% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1005% | 175 |
| Loan loss allowance to noncurrent loans | 18.9667% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 12.9914% | 29 |
| Noncurrent loans to loans | 16.3469% | 12 |
| Net loans and leases to total assets | 66.3335% | 3,036 |
| Net loans and leases to deposits | 116.8333% | 137 |
| Net loans and leases to core deposits | 369.6314% | 23 |
| Total domestic deposits to total assets | 56.7762% | 5,991 |
| Equity capital to assets | 31.6962% | 59 |
| Core capital (leverage) ratio | 30.6022% | 60 |
| Tier 1 risk-based capital ratio | 28.4184% | 571 |
| Total risk-based capital ratio | 29.6794% | 559 |
| Memoranda: | ||
| Average total assets | $5,190,360,670 | 198 |
| Average earning assets | $4,881,675,000 | 189 |
| Average equity | $1,743,889,330 | 91 |
| Average total loans | $3,403,713,000 | 205 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0480% | 39 |
| Cost of funding earning assets | 0.5058% | 2,060 |
| Net interest margin | 7.5422% | 38 |
| Noninterest income to average assets | 0.1840% | 5,402 |
| Noninterest expense to average assets | 1.8803% | 5,550 |
| Loan and lease loss provision to assets | 0.5828% | 196 |
| Net operating income to assets | 4.7881% | 46 |
| Return on assets (ROA) | 2.6212% | 135 |
| Pretax return on assets | 2.6299% | 195 |
| Return on Equity (ROE) | 7.5582% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.5582% | 1,639 |
| Net charge-offs to loans | 1.0613% | 172 |
| Credit loss provision to net charge-offs | 85.8703% | 1,797 |
| Earnings coverage of net charge-offs (x) | 7.9269% | 2,104 |
| Efficiency ratio | 25.9004% | 6,085 |
| Assets per employee ($millions) | 39.3476% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5288% | 129 |
| Loan loss allowance to noncurrent loans | 23.7933% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 10.9496% | 44 |
| Noncurrent loans to loans | 14.8311% | 15 |
| Net loans and leases to total assets | 62.0489% | 3,517 |
| Net loans and leases to deposits | 118.0763% | 107 |
| Net loans and leases to core deposits | 359.2199% | 21 |
| Total domestic deposits to total assets | 52.5498% | 6,064 |
| Equity capital to assets | 34.4555% | 55 |
| Core capital (leverage) ratio | 32.6443% | 57 |
| Tier 1 risk-based capital ratio | 32.2242% | 422 |
| Total risk-based capital ratio | 33.4882% | 413 |
| Memoranda: | ||
| Average total assets | $4,964,025,000 | 203 |
| Average earning assets | $4,657,078,000 | 198 |
| Average equity | $1,721,520,500 | 92 |
| Average total loans | $3,174,074,000 | 214 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7941% | 43 |
| Cost of funding earning assets | 0.4140% | 3,006 |
| Net interest margin | 7.3801% | 38 |
| Noninterest income to average assets | 0.3097% | 4,672 |
| Noninterest expense to average assets | 1.8046% | 5,727 |
| Loan and lease loss provision to assets | 7.3285% | 3 |
| Net operating income to assets | -1.7711% | 6,132 |
| Return on assets (ROA) | -2.3052% | 6,147 |
| Pretax return on assets | -2.3713% | 6,147 |
| Return on Equity (ROE) | -6.2097% | 6,066 |
| Retained earnings to average equity (ytd only) | -20.4149% | 6,121 |
| Net charge-offs to loans | 11.8535% | 1 |
| Credit loss provision to net charge-offs | 98.4721% | 2,582 |
| Earnings coverage of net charge-offs (x) | 0.7401% | 4,187 |
| Efficiency ratio | 24.6793% | 6,156 |
| Assets per employee ($millions) | 39.4473% | 27 |
| Cash dividends to net income (ytd only)* | -228.7550% | 6,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6569% | 111 |
| Loan loss allowance to noncurrent loans | 21.7213% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 11.7498% | 38 |
| Noncurrent loans to loans | 16.8355% | 14 |
| Net loans and leases to total assets | 61.2351% | 3,658 |
| Net loans and leases to deposits | 120.7029% | 96 |
| Net loans and leases to core deposits | 353.5253% | 22 |
| Total domestic deposits to total assets | 50.7321% | 6,126 |
| Equity capital to assets | 34.9074% | 54 |
| Core capital (leverage) ratio | 30.3044% | 61 |
| Tier 1 risk-based capital ratio | 31.9154% | 433 |
| Total risk-based capital ratio | 33.1800% | 427 |
| Memoranda: | ||
| Average total assets | $5,347,746,000 | 187 |
| Average earning assets | $5,074,313,000 | 181 |
| Average equity | $1,985,201,400 | 78 |
| Average total loans | $3,357,578,200 | 195 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6796% | 42 |
| Cost of funding earning assets | 0.4004% | 3,221 |
| Net interest margin | 7.2793% | 39 |
| Noninterest income to average assets | 0.3809% | 4,209 |
| Noninterest expense to average assets | 1.6693% | 5,927 |
| Loan and lease loss provision to assets | 4.2069% | 6 |
| Net operating income to assets | 1.2967% | 1,350 |
| Return on assets (ROA) | 0.8367% | 3,322 |
| Pretax return on assets | 0.9194% | 3,918 |
| Return on Equity (ROE) | 2.2240% | 5,623 |
| Retained earnings to average equity (ytd only) | -16.1064% | 6,186 |
| Net charge-offs to loans | 7.6229% | 3 |
| Credit loss provision to net charge-offs | 88.1470% | 2,495 |
| Earnings coverage of net charge-offs (x) | 1.1800% | 3,876 |
| Efficiency ratio | 22.8637% | 6,244 |
| Assets per employee ($millions) | 41.9361% | 27 |
| Cash dividends to net income (ytd only)* | 824.2239% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8991% | 270 |
| Loan loss allowance to noncurrent loans | 18.9250% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 11.0026% | 47 |
| Noncurrent loans to loans | 15.3191% | 12 |
| Net loans and leases to total assets | 62.3330% | 3,558 |
| Net loans and leases to deposits | 126.4693% | 56 |
| Net loans and leases to core deposits | 357.7689% | 22 |
| Total domestic deposits to total assets | 49.2870% | 6,214 |
| Equity capital to assets | 36.6417% | 50 |
| Core capital (leverage) ratio | 32.7787% | 58 |
| Tier 1 risk-based capital ratio | 33.4401% | 395 |
| Total risk-based capital ratio | 34.6989% | 393 |
| Memoranda: | ||
| Average total assets | $5,451,955,250 | 186 |
| Average earning assets | $5,183,001,750 | 177 |
| Average equity | $2,051,189,000 | 78 |
| Average total loans | $3,413,458,250 | 195 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5961% | 47 |
| Cost of funding earning assets | 0.3920% | 3,355 |
| Net interest margin | 7.2041% | 42 |
| Noninterest income to average assets | 0.2080% | 5,439 |
| Noninterest expense to average assets | 1.5570% | 6,079 |
| Loan and lease loss provision to assets | 4.1647% | 8 |
| Net operating income to assets | 1.1823% | 1,659 |
| Return on assets (ROA) | 0.7848% | 3,569 |
| Pretax return on assets | 0.8911% | 3,987 |
| Return on Equity (ROE) | 2.0689% | 5,662 |
| Retained earnings to average equity (ytd only) | -24.8567% | 6,286 |
| Net charge-offs to loans | 6.0841% | 7 |
| Credit loss provision to net charge-offs | 110.2147% | 1,921 |
| Earnings coverage of net charge-offs (x) | 1.4575% | 3,508 |
| Efficiency ratio | 22.0396% | 6,321 |
| Assets per employee ($millions) | 40.0198% | 28 |
| Cash dividends to net income (ytd only)* | 1,301.4584% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8242% | 122 |
| Loan loss allowance to noncurrent loans | 21.5644% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 12.6048% | 42 |
| Noncurrent loans to loans | 17.7338% | 15 |
| Net loans and leases to total assets | 62.0610% | 3,539 |
| Net loans and leases to deposits | 128.7168% | 45 |
| Net loans and leases to core deposits | 342.9167% | 26 |
| Total domestic deposits to total assets | 48.2151% | 6,292 |
| Equity capital to assets | 36.5491% | 53 |
| Core capital (leverage) ratio | 32.1072% | 60 |
| Tier 1 risk-based capital ratio | 32.2960% | 450 |
| Total risk-based capital ratio | 33.5624% | 442 |
| Memoranda: | ||
| Average total assets | $5,521,935,670 | 183 |
| Average earning assets | $5,255,459,670 | 172 |
| Average equity | $2,094,665,000 | 78 |
| Average total loans | $3,429,590,670 | 196 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5216% | 48 |
| Cost of funding earning assets | 0.3780% | 3,553 |
| Net interest margin | 7.1436% | 42 |
| Noninterest income to average assets | 0.2109% | 5,447 |
| Noninterest expense to average assets | 1.4244% | 6,219 |
| Loan and lease loss provision to assets | 4.3036% | 9 |
| Net operating income to assets | 1.1592% | 1,671 |
| Return on assets (ROA) | 0.8428% | 3,175 |
| Pretax return on assets | 0.9389% | 3,747 |
| Return on Equity (ROE) | 2.1839% | 5,644 |
| Retained earnings to average equity (ytd only) | -23.6308% | 6,299 |
| Net charge-offs to loans | 7.0586% | 10 |
| Credit loss provision to net charge-offs | 100.0116% | 1,605 |
| Earnings coverage of net charge-offs (x) | 1.3000% | 2,939 |
| Efficiency ratio | 20.2946% | 6,397 |
| Assets per employee ($millions) | 40.6695% | 27 |
| Cash dividends to net income (ytd only)* | 1,182.0331% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6146% | 164 |
| Loan loss allowance to noncurrent loans | 18.0111% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 13.4656% | 42 |
| Noncurrent loans to loans | 20.0689% | 13 |
| Net loans and leases to total assets | 59.0567% | 3,788 |
| Net loans and leases to deposits | 126.6505% | 49 |
| Net loans and leases to core deposits | 333.7958% | 27 |
| Total domestic deposits to total assets | 46.6297% | 6,364 |
| Equity capital to assets | 38.4842% | 52 |
| Core capital (leverage) ratio | 33.7618% | 59 |
| Tier 1 risk-based capital ratio | 35.5261% | 345 |
| Total risk-based capital ratio | 36.7904% | 344 |
| Memoranda: | ||
| Average total assets | $5,621,584,000 | 176 |
| Average earning assets | $5,357,131,000 | 166 |
| Average equity | $2,169,308,000 | 76 |
| Average total loans | $3,427,071,500 | 193 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7992% | 36 |
| Cost of funding earning assets | 0.3869% | 3,832 |
| Net interest margin | 8.4122% | 29 |
| Noninterest income to average assets | 1.2163% | 808 |
| Noninterest expense to average assets | 1.4077% | 6,347 |
| Loan and lease loss provision to assets | 0.6104% | 228 |
| Net operating income to assets | 7.1051% | 29 |
| Return on assets (ROA) | 7.2425% | 28 |
| Pretax return on assets | 7.3109% | 35 |
| Return on Equity (ROE) | 19.7649% | 266 |
| Retained earnings to average equity (ytd only) | 6.0254% | 1,913 |
| Net charge-offs to loans | 0.5363% | 758 |
| Credit loss provision to net charge-offs | 194.9183% | 1,267 |
| Earnings coverage of net charge-offs (x) | 24.8533% | 1,514 |
| Efficiency ratio | 15.3177% | 6,496 |
| Assets per employee ($millions) | 41.6795% | 28 |
| Cash dividends to net income (ytd only)* | 69.5149% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4335% | 194 |
| Loan loss allowance to noncurrent loans | 19.7320% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 11.7687% | 62 |
| Noncurrent loans to loans | 17.4009% | 15 |
| Net loans and leases to total assets | 58.5892% | 3,983 |
| Net loans and leases to deposits | 123.7264% | 72 |
| Net loans and leases to core deposits | 340.9835% | 28 |
| Total domestic deposits to total assets | 47.3538% | 6,452 |
| Equity capital to assets | 38.6874% | 52 |
| Core capital (leverage) ratio | 34.8331% | 58 |
| Tier 1 risk-based capital ratio | 38.1369% | 264 |
| Total risk-based capital ratio | 39.4012% | 264 |
| Memoranda: | ||
| Average total assets | $6,058,097,200 | 166 |
| Average earning assets | $5,742,397,600 | 158 |
| Average equity | $2,219,868,600 | 72 |
| Average total loans | $3,536,896,600 | 182 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1888% | 28 |
| Cost of funding earning assets | 0.3897% | 3,902 |
| Net interest margin | 8.7991% | 27 |
| Noninterest income to average assets | 1.1796% | 862 |
| Noninterest expense to average assets | 1.4125% | 6,396 |
| Loan and lease loss provision to assets | -0.2067% | 6,396 |
| Net operating income to assets | 8.2386% | 24 |
| Return on assets (ROA) | 8.4470% | 24 |
| Pretax return on assets | 8.5166% | 34 |
| Return on Equity (ROE) | 23.3603% | 145 |
| Retained earnings to average equity (ytd only) | 13.4261% | 286 |
| Net charge-offs to loans | 0.5419% | 705 |
| Credit loss provision to net charge-offs | -65.9443% | 5,383 |
| Earnings coverage of net charge-offs (x) | 25.8410% | 1,499 |
| Efficiency ratio | 14.8494% | 6,577 |
| Assets per employee ($millions) | 40.7717% | 28 |
| Cash dividends to net income (ytd only)* | 42.5262% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 860 |
| Loan loss allowance to noncurrent loans | 29.5337% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 6.4060% | 201 |
| Noncurrent loans to loans | 7.6837% | 131 |
| Net loans and leases to total assets | 60.3102% | 3,734 |
| Net loans and leases to deposits | 139.0582% | 24 |
| Net loans and leases to core deposits | 318.1217% | 28 |
| Total domestic deposits to total assets | 43.3705% | 6,538 |
| Equity capital to assets | 42.2974% | 45 |
| Core capital (leverage) ratio | 36.6731% | 53 |
| Tier 1 risk-based capital ratio | 39.8250% | 246 |
| Total risk-based capital ratio | 41.0790% | 245 |
| Memoranda: | ||
| Average total assets | $6,124,258,750 | 165 |
| Average earning assets | $5,799,397,500 | 156 |
| Average equity | $2,214,501,250 | 72 |
| Average total loans | $3,542,364,750 | 179 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2994% | 29 |
| Cost of funding earning assets | 0.3918% | 3,967 |
| Net interest margin | 8.9076% | 27 |
| Noninterest income to average assets | 0.2897% | 5,100 |
| Noninterest expense to average assets | 1.3320% | 6,511 |
| Loan and lease loss provision to assets | -0.2369% | 6,497 |
| Net operating income to assets | 7.5577% | 27 |
| Return on assets (ROA) | 7.4741% | 27 |
| Pretax return on assets | 7.5419% | 36 |
| Return on Equity (ROE) | 21.7718% | 206 |
| Retained earnings to average equity (ytd only) | 7.8789% | 1,373 |
| Net charge-offs to loans | 0.4370% | 936 |
| Credit loss provision to net charge-offs | -95.6237% | 5,245 |
| Earnings coverage of net charge-offs (x) | 29.8258% | 1,261 |
| Efficiency ratio | 15.2729% | 6,644 |
| Assets per employee ($millions) | 41.5809% | 27 |
| Cash dividends to net income (ytd only)* | 63.8113% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4294% | 782 |
| Loan loss allowance to noncurrent loans | 30.5017% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 6.6029% | 205 |
| Noncurrent loans to loans | 7.9648% | 133 |
| Net loans and leases to total assets | 60.3268% | 3,669 |
| Net loans and leases to deposits | 126.1751% | 52 |
| Net loans and leases to core deposits | 318.5546% | 29 |
| Total domestic deposits to total assets | 47.8120% | 6,598 |
| Equity capital to assets | 38.1961% | 48 |
| Core capital (leverage) ratio | 32.7341% | 55 |
| Tier 1 risk-based capital ratio | 34.8074% | 352 |
| Total risk-based capital ratio | 36.0621% | 344 |
| Memoranda: | ||
| Average total assets | $6,290,178,330 | 159 |
| Average earning assets | $5,954,127,670 | 150 |
| Average equity | $2,159,381,330 | 73 |
| Average total loans | $3,565,771,000 | 178 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9053% | 30 |
| Cost of funding earning assets | 0.3890% | 4,098 |
| Net interest margin | 8.5163% | 29 |
| Noninterest income to average assets | 0.2785% | 5,137 |
| Noninterest expense to average assets | 1.2834% | 6,605 |
| Loan and lease loss provision to assets | -0.0399% | 6,446 |
| Net operating income to assets | 7.0384% | 31 |
| Return on assets (ROA) | 6.9095% | 31 |
| Pretax return on assets | 6.9725% | 43 |
| Return on Equity (ROE) | 21.1920% | 233 |
| Retained earnings to average equity (ytd only) | 7.0897% | 1,991 |
| Net charge-offs to loans | 0.7025% | 513 |
| Credit loss provision to net charge-offs | -10.4444% | 4,672 |
| Earnings coverage of net charge-offs (x) | 18.4829% | 1,415 |
| Efficiency ratio | 15.3770% | 6,715 |
| Assets per employee ($millions) | 46.1604% | 29 |
| Cash dividends to net income (ytd only)* | 66.5454% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7137% | 612 |
| Loan loss allowance to noncurrent loans | 32.3721% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 6.4139% | 254 |
| Noncurrent loans to loans | 8.3829% | 148 |
| Net loans and leases to total assets | 55.1124% | 4,268 |
| Net loans and leases to deposits | 107.6215% | 201 |
| Net loans and leases to core deposits | 295.3599% | 29 |
| Total domestic deposits to total assets | 51.2095% | 6,667 |
| Equity capital to assets | 34.6179% | 58 |
| Core capital (leverage) ratio | 29.6758% | 67 |
| Tier 1 risk-based capital ratio | 34.8620% | 355 |
| Total risk-based capital ratio | 36.1193% | 350 |
| Memoranda: | ||
| Average total assets | $6,524,601,500 | 153 |
| Average earning assets | $6,180,877,500 | 141 |
| Average equity | $2,127,310,500 | 72 |
| Average total loans | $3,549,023,500 | 178 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8287% | 27 |
| Cost of funding earning assets | 0.3704% | 4,952 |
| Net interest margin | 9.4583% | 25 |
| Noninterest income to average assets | 0.7654% | 2,233 |
| Noninterest expense to average assets | 1.5343% | 6,558 |
| Loan and lease loss provision to assets | 0.3851% | 788 |
| Net operating income to assets | 7.6467% | 28 |
| Return on assets (ROA) | 7.6037% | 28 |
| Pretax return on assets | 7.6132% | 34 |
| Return on Equity (ROE) | 22.1015% | 196 |
| Retained earnings to average equity (ytd only) | -2.1997% | 6,195 |
| Net charge-offs to loans | 0.6050% | 1,082 |
| Credit loss provision to net charge-offs | 116.5292% | 2,069 |
| Earnings coverage of net charge-offs (x) | 24.3339% | 1,370 |
| Efficiency ratio | 16.0230% | 6,797 |
| Assets per employee ($millions) | 51.6481% | 26 |
| Cash dividends to net income (ytd only)* | 109.9528% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8781% | 540 |
| Loan loss allowance to noncurrent loans | 31.9931% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 6.1858% | 303 |
| Noncurrent loans to loans | 8.9959% | 146 |
| Net loans and leases to total assets | 50.8269% | 4,984 |
| Net loans and leases to deposits | 90.1611% | 1,228 |
| Net loans and leases to core deposits | 296.7618% | 30 |
| Total domestic deposits to total assets | 56.3734% | 6,735 |
| Equity capital to assets | 30.7640% | 67 |
| Core capital (leverage) ratio | 29.8204% | 64 |
| Tier 1 risk-based capital ratio | 33.9194% | 367 |
| Total risk-based capital ratio | 35.1782% | 360 |
| Memoranda: | ||
| Average total assets | $6,458,929,800 | 149 |
| Average earning assets | $6,016,365,600 | 142 |
| Average equity | $2,222,110,200 | 67 |
| Average total loans | $3,527,723,400 | 172 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9171% | 28 |
| Cost of funding earning assets | 0.3740% | 5,055 |
| Net interest margin | 9.5430% | 24 |
| Noninterest income to average assets | 0.9267% | 1,669 |
| Noninterest expense to average assets | 1.6087% | 6,549 |
| Loan and lease loss provision to assets | 0.5230% | 519 |
| Net operating income to assets | 7.6333% | 23 |
| Return on assets (ROA) | 7.6093% | 24 |
| Pretax return on assets | 7.6135% | 33 |
| Return on Equity (ROE) | 21.5088% | 225 |
| Retained earnings to average equity (ytd only) | 13.2248% | 314 |
| Net charge-offs to loans | 0.7164% | 833 |
| Credit loss provision to net charge-offs | 132.1871% | 1,784 |
| Earnings coverage of net charge-offs (x) | 20.6240% | 1,580 |
| Efficiency ratio | 16.4672% | 6,877 |
| Assets per employee ($millions) | 45.9358% | 33 |
| Cash dividends to net income (ytd only)* | 38.5142% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8446% | 648 |
| Loan loss allowance to noncurrent loans | 30.8669% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 7.0276% | 288 |
| Noncurrent loans to loans | 9.2156% | 162 |
| Net loans and leases to total assets | 56.7023% | 4,220 |
| Net loans and leases to deposits | 114.6951% | 106 |
| Net loans and leases to core deposits | 299.5154% | 32 |
| Total domestic deposits to total assets | 49.4374% | 6,829 |
| Equity capital to assets | 36.7335% | 48 |
| Core capital (leverage) ratio | 33.5223% | 56 |
| Tier 1 risk-based capital ratio | 38.0359% | 268 |
| Total risk-based capital ratio | 39.2946% | 265 |
| Memoranda: | ||
| Average total assets | $6,369,274,500 | 148 |
| Average earning assets | $5,901,739,500 | 144 |
| Average equity | $2,253,299,500 | 66 |
| Average total loans | $3,517,696,250 | 171 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8142% | 27 |
| Cost of funding earning assets | 0.3762% | 5,175 |
| Net interest margin | 9.4380% | 22 |
| Noninterest income to average assets | 1.1452% | 1,164 |
| Noninterest expense to average assets | 1.5596% | 6,628 |
| Loan and lease loss provision to assets | 0.8742% | 230 |
| Net operating income to assets | 7.4120% | 25 |
| Return on assets (ROA) | 7.3868% | 25 |
| Pretax return on assets | 7.3903% | 34 |
| Return on Equity (ROE) | 21.1484% | 241 |
| Retained earnings to average equity (ytd only) | 15.3141% | 218 |
| Net charge-offs to loans | 0.9311% | 665 |
| Credit loss provision to net charge-offs | 173.2509% | 1,365 |
| Earnings coverage of net charge-offs (x) | 16.4292% | 1,668 |
| Efficiency ratio | 15.8344% | 6,922 |
| Assets per employee ($millions) | 45.5922% | 32 |
| Cash dividends to net income (ytd only)* | 27.5874% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0656% | 544 |
| Loan loss allowance to noncurrent loans | 26.6655% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 8.2276% | 239 |
| Noncurrent loans to loans | 11.4964% | 101 |
| Net loans and leases to total assets | 56.1647% | 4,256 |
| Net loans and leases to deposits | 115.8282% | 84 |
| Net loans and leases to core deposits | 318.3993% | 31 |
| Total domestic deposits to total assets | 48.4897% | 6,879 |
| Equity capital to assets | 37.4612% | 45 |
| Core capital (leverage) ratio | 33.1105% | 53 |
| Tier 1 risk-based capital ratio | 37.1289% | 286 |
| Total risk-based capital ratio | 38.3889% | 279 |
| Memoranda: | ||
| Average total assets | $6,379,318,000 | 147 |
| Average earning assets | $5,883,236,670 | 142 |
| Average equity | $2,228,203,000 | 67 |
| Average total loans | $3,457,035,330 | 170 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7584% | 27 |
| Cost of funding earning assets | 0.3856% | 5,235 |
| Net interest margin | 9.3728% | 24 |
| Noninterest income to average assets | 1.8744% | 473 |
| Noninterest expense to average assets | 1.5620% | 6,692 |
| Loan and lease loss provision to assets | 1.0992% | 157 |
| Net operating income to assets | 7.8082% | 28 |
| Return on assets (ROA) | 7.7913% | 29 |
| Pretax return on assets | 7.7955% | 34 |
| Return on Equity (ROE) | 23.1186% | 163 |
| Retained earnings to average equity (ytd only) | 11.1501% | 843 |
| Net charge-offs to loans | 1.1284% | 529 |
| Credit loss provision to net charge-offs | 185.9933% | 1,159 |
| Earnings coverage of net charge-offs (x) | 15.0785% | 1,418 |
| Efficiency ratio | 14.9141% | 7,001 |
| Assets per employee ($millions) | 49.8641% | 32 |
| Cash dividends to net income (ytd only)* | 51.7701% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0507% | 624 |
| Loan loss allowance to noncurrent loans | 24.3230% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 8.2226% | 297 |
| Noncurrent loans to loans | 12.5424% | 122 |
| Net loans and leases to total assets | 51.4390% | 4,780 |
| Net loans and leases to deposits | 98.7593% | 404 |
| Net loans and leases to core deposits | 313.7623% | 31 |
| Total domestic deposits to total assets | 52.0852% | 6,948 |
| Equity capital to assets | 33.6840% | 57 |
| Core capital (leverage) ratio | 30.4568% | 61 |
| Tier 1 risk-based capital ratio | 35.7638% | 323 |
| Total risk-based capital ratio | 37.0235% | 318 |
| Memoranda: | ||
| Average total assets | $6,445,910,000 | 150 |
| Average earning assets | $5,913,850,000 | 145 |
| Average equity | $2,172,365,000 | 67 |
| Average total loans | $3,376,019,000 | 174 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0405% | 22 |
| Cost of funding earning assets | 0.3442% | 6,248 |
| Net interest margin | 10.6963% | 18 |
| Noninterest income to average assets | 0.7104% | 2,671 |
| Noninterest expense to average assets | 1.7433% | 6,685 |
| Loan and lease loss provision to assets | 0.7706% | 644 |
| Net operating income to assets | 8.0977% | 27 |
| Return on assets (ROA) | 7.2219% | 29 |
| Pretax return on assets | 7.2237% | 38 |
| Return on Equity (ROE) | 21.4699% | 239 |
| Retained earnings to average equity (ytd only) | -6.9082% | 6,524 |
| Net charge-offs to loans | 1.2283% | 813 |
| Credit loss provision to net charge-offs | 124.4664% | 2,283 |
| Earnings coverage of net charge-offs (x) | 14.3261% | 1,744 |
| Efficiency ratio | 16.4251% | 7,058 |
| Assets per employee ($millions) | 45.3616% | 34 |
| Cash dividends to net income (ytd only)* | 132.1763% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0667% | 625 |
| Loan loss allowance to noncurrent loans | 20.9642% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 9.6349% | 231 |
| Noncurrent loans to loans | 14.6283% | 81 |
| Net loans and leases to total assets | 50.0670% | 5,159 |
| Net loans and leases to deposits | 95.7870% | 631 |
| Net loans and leases to core deposits | 327.9167% | 32 |
| Total domestic deposits to total assets | 52.2691% | 7,008 |
| Equity capital to assets | 33.7199% | 56 |
| Core capital (leverage) ratio | 30.3946% | 60 |
| Tier 1 risk-based capital ratio | 36.4025% | 301 |
| Total risk-based capital ratio | 37.6615% | 293 |
| Memoranda: | ||
| Average total assets | $6,023,653,400 | 155 |
| Average earning assets | $5,576,949,400 | 149 |
| Average equity | $2,026,210,000 | 69 |
| Average total loans | $3,036,380,800 | 182 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0534% | 19 |
| Cost of funding earning assets | 0.3398% | 6,422 |
| Net interest margin | 10.7137% | 18 |
| Noninterest income to average assets | 0.7291% | 2,578 |
| Noninterest expense to average assets | 1.7072% | 6,782 |
| Loan and lease loss provision to assets | 0.7173% | 700 |
| Net operating income to assets | 8.2780% | 25 |
| Return on assets (ROA) | 7.1923% | 28 |
| Pretax return on assets | 7.1945% | 41 |
| Return on Equity (ROE) | 21.3956% | 266 |
| Retained earnings to average equity (ytd only) | -1.8783% | 6,383 |
| Net charge-offs to loans | 1.3649% | 672 |
| Credit loss provision to net charge-offs | 104.9411% | 2,804 |
| Earnings coverage of net charge-offs (x) | 13.1625% | 1,940 |
| Efficiency ratio | 15.9482% | 7,162 |
| Assets per employee ($millions) | 46.7991% | 37 |
| Cash dividends to net income (ytd only)* | 108.7791% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7749% | 906 |
| Loan loss allowance to noncurrent loans | 19.9661% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 9.4827% | 270 |
| Noncurrent loans to loans | 13.8978% | 110 |
| Net loans and leases to total assets | 51.5312% | 5,113 |
| Net loans and leases to deposits | 101.8877% | 358 |
| Net loans and leases to core deposits | 468.2831% | 29 |
| Total domestic deposits to total assets | 50.5765% | 7,109 |
| Equity capital to assets | 35.0925% | 51 |
| Core capital (leverage) ratio | 32.2715% | 59 |
| Tier 1 risk-based capital ratio | 39.1888% | 259 |
| Total risk-based capital ratio | 40.4463% | 253 |
| Memoranda: | ||
| Average total assets | $5,964,592,000 | 155 |
| Average earning assets | $5,553,688,250 | 148 |
| Average equity | $2,005,054,000 | 70 |
| Average total loans | $2,987,151,250 | 185 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4676% | 18 |
| Cost of funding earning assets | 0.3387% | 6,560 |
| Net interest margin | 11.1288% | 16 |
| Noninterest income to average assets | 0.7664% | 2,344 |
| Noninterest expense to average assets | 1.4146% | 7,051 |
| Loan and lease loss provision to assets | 0.3878% | 1,692 |
| Net operating income to assets | 9.3260% | 21 |
| Return on assets (ROA) | 8.0612% | 23 |
| Pretax return on assets | 8.0615% | 37 |
| Return on Equity (ROE) | 24.3579% | 167 |
| Retained earnings to average equity (ytd only) | -11.6258% | 6,879 |
| Net charge-offs to loans | 1.1421% | 948 |
| Credit loss provision to net charge-offs | 69.2196% | 3,580 |
| Earnings coverage of net charge-offs (x) | 17.3398% | 1,533 |
| Efficiency ratio | 12.7109% | 7,225 |
| Assets per employee ($millions) | 98.9482% | 19 |
| Cash dividends to net income (ytd only)* | 147.7292% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9736% | 798 |
| Loan loss allowance to noncurrent loans | 19.3411% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 9.7818% | 275 |
| Noncurrent loans to loans | 15.3746% | 94 |
| Net loans and leases to total assets | 46.6957% | 5,760 |
| Net loans and leases to deposits | 87.9527% | 1,368 |
| Net loans and leases to core deposits | 415.8181% | 31 |
| Total domestic deposits to total assets | 53.0918% | 7,169 |
| Equity capital to assets | 31.8699% | 61 |
| Core capital (leverage) ratio | 32.2047% | 56 |
| Tier 1 risk-based capital ratio | 39.6155% | 237 |
| Total risk-based capital ratio | 40.8726% | 231 |
| Memoranda: | ||
| Average total assets | $5,878,029,670 | 156 |
| Average earning assets | $5,473,133,670 | 150 |
| Average equity | $1,945,321,330 | 73 |
| Average total loans | $2,883,206,330 | 186 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4798% | 19 |
| Cost of funding earning assets | 0.3491% | 6,641 |
| Net interest margin | 11.1307% | 17 |
| Noninterest income to average assets | 0.5737% | 3,394 |
| Noninterest expense to average assets | 1.3733% | 7,129 |
| Loan and lease loss provision to assets | 0.4215% | 1,494 |
| Net operating income to assets | 9.2002% | 24 |
| Return on assets (ROA) | 8.3730% | 27 |
| Pretax return on assets | 8.3731% | 38 |
| Return on Equity (ROE) | 24.8336% | 189 |
| Retained earnings to average equity (ytd only) | -5.5933% | 6,624 |
| Net charge-offs to loans | 1.5129% | 660 |
| Credit loss provision to net charge-offs | 56.2626% | 3,178 |
| Earnings coverage of net charge-offs (x) | 12.8432% | 1,570 |
| Efficiency ratio | 12.4898% | 7,289 |
| Assets per employee ($millions) | 96.3697% | 20 |
| Cash dividends to net income (ytd only)* | 122.5230% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8233% | 986 |
| Loan loss allowance to noncurrent loans | 19.0115% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 9.9192% | 305 |
| Noncurrent loans to loans | 14.8507% | 124 |
| Net loans and leases to total assets | 49.1032% | 5,418 |
| Net loans and leases to deposits | 94.7917% | 618 |
| Net loans and leases to core deposits | 398.9390% | 33 |
| Total domestic deposits to total assets | 51.8011% | 7,237 |
| Equity capital to assets | 33.2573% | 50 |
| Core capital (leverage) ratio | 32.7073% | 48 |
| Tier 1 risk-based capital ratio | 40.2127% | 226 |
| Total risk-based capital ratio | 41.4692% | 224 |
| Memoranda: | ||
| Average total assets | $5,848,598,000 | 153 |
| Average earning assets | $5,475,831,500 | 149 |
| Average equity | $1,971,941,500 | 70 |
| Average total loans | $2,896,192,000 | 182 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0990% | 20 |
| Cost of funding earning assets | 0.3128% | 7,087 |
| Net interest margin | 11.7862% | 16 |
| Noninterest income to average assets | 0.3076% | 5,337 |
| Noninterest expense to average assets | 1.3837% | 7,223 |
| Loan and lease loss provision to assets | 1.6561% | 418 |
| Net operating income to assets | 8.3840% | 24 |
| Return on assets (ROA) | 10.0024% | 19 |
| Pretax return on assets | 10.0028% | 25 |
| Return on Equity (ROE) | 27.3957% | 65 |
| Retained earnings to average equity (ytd only) | -8.8897% | 6,664 |
| Net charge-offs to loans | 1.9782% | 701 |
| Credit loss provision to net charge-offs | 182.1726% | 1,418 |
| Earnings coverage of net charge-offs (x) | 11.0449% | 1,765 |
| Efficiency ratio | 12.1118% | 7,344 |
| Assets per employee ($millions) | 92.2947% | 22 |
| Cash dividends to net income (ytd only)* | 132.4493% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2464% | 652 |
| Loan loss allowance to noncurrent loans | 19.4849% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 10.1246% | 325 |
| Noncurrent loans to loans | 16.6611% | 96 |
| Net loans and leases to total assets | 46.8911% | 5,929 |
| Net loans and leases to deposits | 93.6403% | 835 |
| Net loans and leases to core deposits | 497.2510% | 34 |
| Total domestic deposits to total assets | 50.0758% | 7,285 |
| Equity capital to assets | 34.1959% | 52 |
| Core capital (leverage) ratio | 34.3366% | 49 |
| Tier 1 risk-based capital ratio | 44.3614% | 172 |
| Total risk-based capital ratio | 45.2427% | 173 |
| Memoranda: | ||
| Average total assets | $5,995,822,000 | 151 |
| Average earning assets | $5,655,182,800 | 147 |
| Average equity | $2,189,126,600 | 63 |
| Average total loans | $2,755,270,600 | 185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6035% | 22 |
| Cost of funding earning assets | 0.3060% | 7,202 |
| Net interest margin | 11.2975% | 18 |
| Noninterest income to average assets | 0.3123% | 5,366 |
| Noninterest expense to average assets | 1.3559% | 7,296 |
| Loan and lease loss provision to assets | 1.6984% | 365 |
| Net operating income to assets | 7.9165% | 27 |
| Return on assets (ROA) | 10.3056% | 20 |
| Pretax return on assets | 10.3057% | 26 |
| Return on Equity (ROE) | 27.8101% | 80 |
| Retained earnings to average equity (ytd only) | -19.3187% | 7,074 |
| Net charge-offs to loans | 2.1610% | 570 |
| Credit loss provision to net charge-offs | 173.2617% | 1,723 |
| Earnings coverage of net charge-offs (x) | 9.8088% | 2,000 |
| Efficiency ratio | 12.3592% | 7,416 |
| Assets per employee ($millions) | 93.3316% | 23 |
| Cash dividends to net income (ytd only)* | 169.4667% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9089% | 927 |
| Loan loss allowance to noncurrent loans | 15.1282% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 11.6355% | 244 |
| Noncurrent loans to loans | 19.2283% | 65 |
| Net loans and leases to total assets | 48.8780% | 5,850 |
| Net loans and leases to deposits | 106.2289% | 244 |
| Net loans and leases to core deposits | 675.0315% | 30 |
| Total domestic deposits to total assets | 46.0120% | 7,368 |
| Equity capital to assets | 35.4312% | 57 |
| Core capital (leverage) ratio | 32.2931% | 66 |
| Tier 1 risk-based capital ratio | 42.6887% | 207 |
| Total risk-based capital ratio | 43.9457% | 203 |
| Memoranda: | ||
| Average total assets | $6,064,209,500 | 151 |
| Average earning assets | $5,721,279,500 | 148 |
| Average equity | $2,247,212,500 | 61 |
| Average total loans | $2,750,771,500 | 186 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4742% | 25 |
| Cost of funding earning assets | 0.3074% | 7,295 |
| Net interest margin | 11.1668% | 20 |
| Noninterest income to average assets | 0.4597% | 4,197 |
| Noninterest expense to average assets | 1.2372% | 7,413 |
| Loan and lease loss provision to assets | 1.4602% | 489 |
| Net operating income to assets | 8.2942% | 30 |
| Return on assets (ROA) | 12.5417% | 13 |
| Pretax return on assets | 12.5418% | 26 |
| Return on Equity (ROE) | 33.4323% | 51 |
| Retained earnings to average equity (ytd only) | -12.5422% | 6,955 |
| Net charge-offs to loans | 2.4489% | 493 |
| Credit loss provision to net charge-offs | 135.6378% | 2,246 |
| Earnings coverage of net charge-offs (x) | 9.0609% | 1,970 |
| Efficiency ratio | 11.2557% | 7,492 |
| Assets per employee ($millions) | 102.7263% | 22 |
| Cash dividends to net income (ytd only)* | 137.5151% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,782 |
| Loan loss allowance to noncurrent loans | 10.5397% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 10.7029% | 340 |
| Noncurrent loans to loans | 21.6192% | 44 |
| Net loans and leases to total assets | 41.2813% | 6,644 |
| Net loans and leases to deposits | 98.6931% | 559 |
| Net loans and leases to core deposits | 856.1800% | 31 |
| Total domestic deposits to total assets | 41.8279% | 7,446 |
| Equity capital to assets | 36.8579% | 60 |
| Core capital (leverage) ratio | 31.7077% | 71 |
| Tier 1 risk-based capital ratio | 46.5982% | 166 |
| Total risk-based capital ratio | 47.8492% | 164 |
| Memoranda: | ||
| Average total assets | $6,312,313,000 | 151 |
| Average earning assets | $5,953,533,330 | 146 |
| Average equity | $2,367,982,330 | 60 |
| Average total loans | $2,774,973,000 | 188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1557% | 27 |
| Cost of funding earning assets | 0.3040% | 7,385 |
| Net interest margin | 10.8518% | 22 |
| Noninterest income to average assets | 0.6299% | 2,961 |
| Noninterest expense to average assets | 1.0238% | 7,510 |
| Loan and lease loss provision to assets | 1.4585% | 447 |
| Net operating income to assets | 8.4595% | 29 |
| Return on assets (ROA) | 9.6273% | 22 |
| Pretax return on assets | 9.6274% | 33 |
| Return on Equity (ROE) | 25.4590% | 153 |
| Retained earnings to average equity (ytd only) | 25.4590% | 96 |
| Net charge-offs to loans | 1.4517% | 936 |
| Credit loss provision to net charge-offs | 224.5185% | 1,356 |
| Earnings coverage of net charge-offs (x) | 15.2679% | 1,330 |
| Efficiency ratio | 9.3568% | 7,555 |
| Assets per employee ($millions) | 112.5597% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 2,365 |
| Loan loss allowance to noncurrent loans | 9.8154% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 10.1186% | 408 |
| Noncurrent loans to loans | 20.5609% | 64 |
| Net loans and leases to total assets | 41.9580% | 6,618 |
| Net loans and leases to deposits | 109.8880% | 186 |
| Net loans and leases to core deposits | 1,207.9378% | 27 |
| Total domestic deposits to total assets | 38.1825% | 7,513 |
| Equity capital to assets | 40.8289% | 53 |
| Core capital (leverage) ratio | 36.7274% | 56 |
| Tier 1 risk-based capital ratio | 46.0240% | 164 |
| Total risk-based capital ratio | 47.1851% | 164 |
| Memoranda: | ||
| Average total assets | $6,489,406,000 | 150 |
| Average earning assets | $6,166,670,000 | 145 |
| Average equity | $2,453,953,000 | 60 |
| Average total loans | $2,903,988,500 | 180 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0136% | 24 |
| Cost of funding earning assets | 0.3843% | 7,441 |
| Net interest margin | 12.6293% | 16 |
| Noninterest income to average assets | 0.2176% | 6,248 |
| Noninterest expense to average assets | 1.5450% | 7,427 |
| Loan and lease loss provision to assets | 0.6491% | 2,543 |
| Net operating income to assets | 10.0772% | 15 |
| Return on assets (ROA) | 9.6477% | 19 |
| Pretax return on assets | 9.6478% | 22 |
| Return on Equity (ROE) | 27.3487% | 63 |
| Retained earnings to average equity (ytd only) | 15.0215% | 125 |
| Net charge-offs to loans | 1.4204% | 1,564 |
| Credit loss provision to net charge-offs | 95.9634% | 4,845 |
| Earnings coverage of net charge-offs (x) | 15.8579% | 1,255 |
| Efficiency ratio | 12.5901% | 7,634 |
| Assets per employee ($millions) | 103.7539% | 18 |
| Cash dividends to net income (ytd only)* | 45.0743% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,770 |
| Loan loss allowance to noncurrent loans | 7.1532% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 11.2218% | 329 |
| Noncurrent loans to loans | 21.6901% | 59 |
| Net loans and leases to total assets | 46.1140% | 6,549 |
| Net loans and leases to deposits | 110.3770% | 232 |
| Net loans and leases to core deposits | 1,373.8849% | 25 |
| Total domestic deposits to total assets | 41.7787% | 7,578 |
| Equity capital to assets | 34.5448% | 64 |
| Core capital (leverage) ratio | 36.4985% | 63 |
| Tier 1 risk-based capital ratio | 41.6491% | 220 |
| Total risk-based capital ratio | 42.5225% | 223 |
| Memoranda: | ||
| Average total assets | $5,610,975,600 | 156 |
| Average earning assets | $5,355,269,400 | 155 |
| Average equity | $1,979,357,400 | 69 |
| Average total loans | $2,671,924,800 | 194 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1132% | 28 |
| Cost of funding earning assets | 0.4087% | 7,560 |
| Net interest margin | 11.7045% | 23 |
| Noninterest income to average assets | 0.0634% | 7,208 |
| Noninterest expense to average assets | 1.5587% | 7,523 |
| Loan and lease loss provision to assets | 0.6626% | 2,308 |
| Net operating income to assets | 9.0279% | 17 |
| Return on assets (ROA) | 8.5516% | 19 |
| Pretax return on assets | 8.5517% | 21 |
| Return on Equity (ROE) | 24.0989% | 136 |
| Retained earnings to average equity (ytd only) | 7.2999% | 1,701 |
| Net charge-offs to loans | 1.7366% | 1,118 |
| Credit loss provision to net charge-offs | 79.7536% | 5,146 |
| Earnings coverage of net charge-offs (x) | 11.6643% | 1,771 |
| Efficiency ratio | 13.8562% | 7,741 |
| Assets per employee ($millions) | 91.4202% | 24 |
| Cash dividends to net income (ytd only)* | 69.7085% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 4,283 |
| Loan loss allowance to noncurrent loans | 6.5995% | 7,217 |
| Noncurrent assets plus other real estate owned to assets | 11.5356% | 299 |
| Noncurrent loans to loans | 21.7534% | 57 |
| Net loans and leases to total assets | 47.5504% | 6,560 |
| Net loans and leases to deposits | 110.9933% | 236 |
| Net loans and leases to core deposits | 1,111.4794% | 28 |
| Total domestic deposits to total assets | 42.8408% | 7,677 |
| Equity capital to assets | 34.0183% | 69 |
| Core capital (leverage) ratio | 35.8971% | 61 |
| Tier 1 risk-based capital ratio | 38.9347% | 270 |
| Total risk-based capital ratio | 39.7246% | 275 |
| Memoranda: | ||
| Average total assets | $5,457,411,500 | 157 |
| Average earning assets | $5,215,658,250 | 154 |
| Average equity | $1,936,573,750 | 68 |
| Average total loans | $2,610,919,250 | 197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7746% | 28 |
| Cost of funding earning assets | 0.4439% | 7,615 |
| Net interest margin | 12.3308% | 19 |
| Noninterest income to average assets | 0.0573% | 7,301 |
| Noninterest expense to average assets | 1.3677% | 7,680 |
| Loan and lease loss provision to assets | 0.6152% | 2,325 |
| Net operating income to assets | 9.8625% | 21 |
| Return on assets (ROA) | 9.1345% | 22 |
| Pretax return on assets | 9.1347% | 25 |
| Return on Equity (ROE) | 25.3658% | 117 |
| Retained earnings to average equity (ytd only) | 10.4358% | 759 |
| Net charge-offs to loans | 1.2021% | 1,583 |
| Credit loss provision to net charge-offs | 107.2931% | 3,799 |
| Earnings coverage of net charge-offs (x) | 18.2741% | 1,296 |
| Efficiency ratio | 11.5464% | 7,809 |
| Assets per employee ($millions) | 71.0770% | 24 |
| Cash dividends to net income (ytd only)* | 58.8586% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8240% | 2,655 |
| Loan loss allowance to noncurrent loans | 6.8822% | 7,296 |
| Noncurrent assets plus other real estate owned to assets | 13.6452% | 193 |
| Noncurrent loans to loans | 26.5040% | 28 |
| Net loans and leases to total assets | 46.4971% | 6,743 |
| Net loans and leases to deposits | 116.1827% | 174 |
| Net loans and leases to core deposits | 1,689.9852% | 25 |
| Total domestic deposits to total assets | 40.0206% | 7,755 |
| Equity capital to assets | 35.2496% | 63 |
| Core capital (leverage) ratio | 37.5665% | 60 |
| Tier 1 risk-based capital ratio | 40.0959% | 245 |
| Total risk-based capital ratio | 41.0753% | 245 |
| Memoranda: | ||
| Average total assets | $5,356,724,330 | 163 |
| Average earning assets | $5,121,099,330 | 154 |
| Average equity | $1,929,006,000 | 69 |
| Average total loans | $2,555,045,330 | 202 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8511% | 29 |
| Cost of funding earning assets | 0.5363% | 7,620 |
| Net interest margin | 12.3148% | 20 |
| Noninterest income to average assets | -0.0169% | 7,695 |
| Noninterest expense to average assets | 1.3714% | 7,774 |
| Loan and lease loss provision to assets | 0.7641% | 1,660 |
| Net operating income to assets | 9.6431% | 19 |
| Return on assets (ROA) | 8.6864% | 22 |
| Pretax return on assets | 8.6864% | 31 |
| Return on Equity (ROE) | 23.8559% | 195 |
| Retained earnings to average equity (ytd only) | 23.8559% | 113 |
| Net charge-offs to loans | 1.0906% | 1,532 |
| Credit loss provision to net charge-offs | 146.3464% | 2,427 |
| Earnings coverage of net charge-offs (x) | 19.9323% | 1,178 |
| Efficiency ratio | 11.6434% | 7,911 |
| Assets per employee ($millions) | 63.1085% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0579% | 2,043 |
| Loan loss allowance to noncurrent loans | 7.6696% | 7,364 |
| Noncurrent assets plus other real estate owned to assets | 13.6154% | 179 |
| Noncurrent loans to loans | 26.8320% | 29 |
| Net loans and leases to total assets | 45.3925% | 6,882 |
| Net loans and leases to deposits | 118.4311% | 159 |
| Net loans and leases to core deposits | 4,196.8828% | 24 |
| Total domestic deposits to total assets | 38.3281% | 7,860 |
| Equity capital to assets | 37.5983% | 59 |
| Core capital (leverage) ratio | 37.7208% | 56 |
| Tier 1 risk-based capital ratio | 43.3132% | 207 |
| Total risk-based capital ratio | 44.4091% | 205 |
| Memoranda: | ||
| Average total assets | $5,263,082,500 | 166 |
| Average earning assets | $5,041,170,000 | 156 |
| Average equity | $1,916,389,500 | 67 |
| Average total loans | $2,519,720,000 | 208 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3541% | 30 |
| Cost of funding earning assets | 0.9731% | 7,256 |
| Net interest margin | 10.3811% | 25 |
| Noninterest income to average assets | 0.0633% | 7,438 |
| Noninterest expense to average assets | 1.3485% | 7,859 |
| Loan and lease loss provision to assets | 1.1160% | 2,050 |
| Net operating income to assets | 7.6453% | 21 |
| Return on assets (ROA) | 7.0392% | 22 |
| Pretax return on assets | 7.0392% | 31 |
| Return on Equity (ROE) | 18.7411% | 318 |
| Retained earnings to average equity (ytd only) | 6.4600% | 1,166 |
| Net charge-offs to loans | 1.1104% | 2,203 |
| Credit loss provision to net charge-offs | 202.3571% | 1,918 |
| Earnings coverage of net charge-offs (x) | 15.8858% | 1,280 |
| Efficiency ratio | 13.3387% | 7,989 |
| Assets per employee ($millions) | 56.2570% | 34 |
| Cash dividends to net income (ytd only)* | 65.5302% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 2,578 |
| Loan loss allowance to noncurrent loans | 6.8589% | 7,408 |
| Noncurrent assets plus other real estate owned to assets | 14.0708% | 169 |
| Noncurrent loans to loans | 26.1101% | 30 |
| Net loans and leases to total assets | 48.5055% | 6,770 |
| Net loans and leases to deposits | 132.4482% | 82 |
| Net loans and leases to core deposits | 132.6402% | 1,134 |
| Total domestic deposits to total assets | 36.6222% | 7,940 |
| Equity capital to assets | 35.2368% | 79 |
| Core capital (leverage) ratio | 33.5186% | 82 |
| Tier 1 risk-based capital ratio | 38.5015% | 277 |
| Total risk-based capital ratio | 39.4697% | 273 |
| Memoranda: | ||
| Average total assets | $4,769,344,200 | 180 |
| Average earning assets | $4,615,691,400 | 165 |
| Average equity | $1,791,368,400 | 68 |
| Average total loans | $2,368,972,600 | 224 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0760% | 37 |
| Cost of funding earning assets | 1.0217% | 7,342 |
| Net interest margin | 9.0543% | 31 |
| Noninterest income to average assets | 0.0749% | 7,531 |
| Noninterest expense to average assets | 1.0910% | 8,017 |
| Loan and lease loss provision to assets | 1.4011% | 1,373 |
| Net operating income to assets | 6.3626% | 24 |
| Return on assets (ROA) | 6.1054% | 27 |
| Pretax return on assets | 6.1054% | 33 |
| Return on Equity (ROE) | 15.9735% | 660 |
| Retained earnings to average equity (ytd only) | -0.5671% | 5,371 |
| Net charge-offs to loans | 0.1211% | 5,486 |
| Credit loss provision to net charge-offs | 2,325.0835% | 171 |
| Earnings coverage of net charge-offs (x) | 128.8341% | 293 |
| Efficiency ratio | 12.3208% | 8,072 |
| Assets per employee ($millions) | 49.5081% | 39 |
| Cash dividends to net income (ytd only)* | 103.5504% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3892% | 1,183 |
| Loan loss allowance to noncurrent loans | 10.2546% | 7,447 |
| Noncurrent assets plus other real estate owned to assets | 12.0356% | 223 |
| Noncurrent loans to loans | 23.2989% | 38 |
| Net loans and leases to total assets | 47.3145% | 7,011 |
| Net loans and leases to deposits | 97.6797% | 1,360 |
| Net loans and leases to core deposits | 97.7767% | 4,634 |
| Total domestic deposits to total assets | 48.4384% | 7,985 |
| Equity capital to assets | 30.3806% | 114 |
| Core capital (leverage) ratio | 30.9630% | 118 |
| Tier 1 risk-based capital ratio | 33.5074% | 418 |
| Total risk-based capital ratio | 34.7570% | 410 |
| Memoranda: | ||
| Average total assets | $4,639,640,750 | 191 |
| Average earning assets | $4,499,011,750 | 175 |
| Average equity | $1,773,365,500 | 71 |
| Average total loans | $2,308,260,250 | 239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7868% | 40 |
| Cost of funding earning assets | 1.0681% | 7,437 |
| Net interest margin | 8.7187% | 33 |
| Noninterest income to average assets | 0.0733% | 7,617 |
| Noninterest expense to average assets | 1.2930% | 8,058 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 7.2319% | 19 |
| Return on assets (ROA) | 7.2319% | 21 |
| Pretax return on assets | 7.2319% | 27 |
| Return on Equity (ROE) | 17.3278% | 548 |
| Retained earnings to average equity (ytd only) | 17.3278% | 125 |
| Net charge-offs to loans | 0.0830% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 173.1715% | 239 |
| Efficiency ratio | 15.1675% | 8,156 |
| Assets per employee ($millions) | 53.6540% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 7,375 |
| Loan loss allowance to noncurrent loans | 3.0701% | 7,554 |
| Noncurrent assets plus other real estate owned to assets | 11.6578% | 202 |
| Noncurrent loans to loans | 23.4519% | 32 |
| Net loans and leases to total assets | 47.3019% | 7,096 |
| Net loans and leases to deposits | 109.8100% | 558 |
| Net loans and leases to core deposits | 109.9122% | 3,382 |
| Total domestic deposits to total assets | 43.0761% | 8,086 |
| Equity capital to assets | 34.3440% | 106 |
| Core capital (leverage) ratio | 38.7417% | 94 |
| Tier 1 risk-based capital ratio | 38.8855% | 332 |
| Total risk-based capital ratio | 39.2737% | 340 |
| Memoranda: | ||
| Average total assets | $4,271,873,670 | 209 |
| Average earning assets | $4,141,035,330 | 197 |
| Average equity | $1,782,907,330 | 72 |
| Average total loans | $2,149,762,670 | 268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0882% | 52 |
| Cost of funding earning assets | 1.1937% | 7,311 |
| Net interest margin | 7.8945% | 42 |
| Noninterest income to average assets | 0.0800% | 7,656 |
| Noninterest expense to average assets | 0.9683% | 8,176 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 6.7489% | 19 |
| Return on assets (ROA) | 6.7489% | 21 |
| Pretax return on assets | 6.7489% | 25 |
| Return on Equity (ROE) | 14.2562% | 1,114 |
| Retained earnings to average equity (ytd only) | 14.2562% | 493 |
| Net charge-offs to loans | 0.0191% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 675.7473% | 27 |
| Efficiency ratio | 12.5476% | 8,206 |
| Assets per employee ($millions) | 52.2960% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,652 |
| Loan loss allowance to noncurrent loans | 3.8337% | 7,560 |
| Noncurrent assets plus other real estate owned to assets | 12.6207% | 131 |
| Noncurrent loans to loans | 24.0114% | 26 |
| Net loans and leases to total assets | 50.8342% | 6,779 |
| Net loans and leases to deposits | 135.0423% | 112 |
| Net loans and leases to core deposits | 135.2973% | 1,345 |
| Total domestic deposits to total assets | 37.6432% | 8,149 |
| Equity capital to assets | 43.1724% | 84 |
| Core capital (leverage) ratio | 51.3873% | 72 |
| Tier 1 risk-based capital ratio | 47.3392% | 230 |
| Total risk-based capital ratio | 47.8571% | 236 |
| Memoranda: | ||
| Average total assets | $3,644,632,000 | 237 |
| Average earning assets | $3,525,865,000 | 224 |
| Average equity | $1,725,374,500 | 75 |
| Average total loans | $1,908,129,500 | 296 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5158% | 102 |
| Cost of funding earning assets | 0.7451% | 8,133 |
| Net interest margin | 7.7707% | 40 |
| Noninterest income to average assets | 0.0111% | 8,061 |
| Noninterest expense to average assets | 0.5031% | 8,259 |
| Loan and lease loss provision to assets | 0.7459% | 1,994 |
| Net operating income to assets | 6.3171% | 28 |
| Return on assets (ROA) | 6.3159% | 29 |
| Pretax return on assets | 6.3154% | 38 |
| Return on Equity (ROE) | 8.9981% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.9981% | 611 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.6505% | 8,282 |
| Assets per employee ($millions) | 52.6370% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 4,633 |
| Loan loss allowance to noncurrent loans | 5.2151% | 7,545 |
| Noncurrent assets plus other real estate owned to assets | 12.4529% | 100 |
| Noncurrent loans to loans | 22.7954% | 27 |
| Net loans and leases to total assets | 53.1272% | 6,738 |
| Net loans and leases to deposits | 232.0211% | 30 |
| Net loans and leases to core deposits | 233.1058% | 87 |
| Total domestic deposits to total assets | 22.8976% | 8,230 |
| Equity capital to assets | 52.9548% | 71 |
| Core capital (leverage) ratio | 60.8172% | 60 |
| Tier 1 risk-based capital ratio | 58.0026% | 162 |
| Total risk-based capital ratio | 58.7028% | 163 |
| Memoranda: | ||
| Average total assets | $2,236,910,600 | 323 |
| Average earning assets | $2,174,692,800 | 309 |
| Average equity | $1,570,136,200 | 73 |
| Average total loans | $1,073,633,000 | 467 |