Home > Beneficial Bank > Performance and Condition Ratios
Beneficial Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 4,148 |
| Cost of funding earning assets | 0.5934% | 2,774 |
| Net interest margin | 3.3637% | 4,096 |
| Noninterest income to average assets | 0.5057% | 2,806 |
| Noninterest expense to average assets | 2.4345% | 3,788 |
| Loan and lease loss provision to assets | 0.0789% | 2,549 |
| Net operating income to assets | 0.8153% | 3,747 |
| Return on assets (ROA) | 0.8258% | 3,705 |
| Pretax return on assets | 1.1030% | 3,256 |
| Return on Equity (ROE) | 5.1779% | 4,415 |
| Retained earnings to average equity (ytd only) | -5.6205% | 5,259 |
| Net charge-offs to loans | 0.1153% | 1,598 |
| Credit loss provision to net charge-offs | 99.8910% | 2,565 |
| Earnings coverage of net charge-offs (x) | 14.8328% | 2,359 |
| Efficiency ratio | 67.1809% | 2,680 |
| Assets per employee ($millions) | 7.6931% | 742 |
| Cash dividends to net income (ytd only)* | 208.5462% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,031 |
| Loan loss allowance to noncurrent loans | 140.0291% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,421 |
| Noncurrent loans to loans | 0.7932% | 2,023 |
| Net loans and leases to total assets | 66.3116% | 3,088 |
| Net loans and leases to deposits | 89.2468% | 1,900 |
| Net loans and leases to core deposits | 95.5295% | 2,097 |
| Total domestic deposits to total assets | 74.3014% | 4,927 |
| Equity capital to assets | 15.7019% | 582 |
| Core capital (leverage) ratio | 13.6130% | 1,038 |
| Tier 1 risk-based capital ratio | 19.6266% | 1,378 |
| Total risk-based capital ratio | 20.7208% | 1,381 |
| Memoranda: | ||
| Average total assets | $5,806,748,800 | 198 |
| Average earning assets | $5,351,854,200 | 191 |
| Average equity | $926,063,000 | 168 |
| Average total loans | $3,976,660,600 | 205 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,245 |
| Cost of funding earning assets | 0.5691% | 2,713 |
| Net interest margin | 3.3160% | 4,238 |
| Noninterest income to average assets | 0.5527% | 2,555 |
| Noninterest expense to average assets | 2.4778% | 3,658 |
| Loan and lease loss provision to assets | 0.1052% | 1,910 |
| Net operating income to assets | 0.7779% | 3,980 |
| Return on assets (ROA) | 0.7847% | 3,969 |
| Pretax return on assets | 1.0327% | 3,627 |
| Return on Equity (ROE) | 4.9016% | 4,593 |
| Retained earnings to average equity (ytd only) | -9.4415% | 5,386 |
| Net charge-offs to loans | 0.1571% | 1,054 |
| Credit loss provision to net charge-offs | 97.2405% | 2,335 |
| Earnings coverage of net charge-offs (x) | 10.4553% | 2,584 |
| Efficiency ratio | 68.2795% | 2,491 |
| Assets per employee ($millions) | 7.4848% | 782 |
| Cash dividends to net income (ytd only)* | 292.6201% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,202 |
| Loan loss allowance to noncurrent loans | 143.1934% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 2,664 |
| Noncurrent loans to loans | 0.7672% | 2,172 |
| Net loans and leases to total assets | 66.1806% | 3,158 |
| Net loans and leases to deposits | 88.4833% | 2,091 |
| Net loans and leases to core deposits | 94.5737% | 2,242 |
| Total domestic deposits to total assets | 74.7944% | 4,908 |
| Equity capital to assets | 15.3180% | 657 |
| Core capital (leverage) ratio | 13.3566% | 1,153 |
| Tier 1 risk-based capital ratio | 19.0963% | 1,515 |
| Total risk-based capital ratio | 20.1866% | 1,524 |
| Memoranda: | ||
| Average total assets | $5,806,361,750 | 198 |
| Average earning assets | $5,351,314,750 | 190 |
| Average equity | $929,575,000 | 167 |
| Average total loans | $3,997,116,500 | 204 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 4,195 |
| Cost of funding earning assets | 0.5462% | 2,636 |
| Net interest margin | 3.3111% | 4,220 |
| Noninterest income to average assets | 0.4865% | 2,937 |
| Noninterest expense to average assets | 2.4733% | 3,707 |
| Loan and lease loss provision to assets | 0.0921% | 2,081 |
| Net operating income to assets | 0.7480% | 4,039 |
| Return on assets (ROA) | 0.7535% | 4,019 |
| Pretax return on assets | 0.9787% | 3,727 |
| Return on Equity (ROE) | 4.6390% | 4,652 |
| Retained earnings to average equity (ytd only) | -16.6419% | 5,482 |
| Net charge-offs to loans | 0.1425% | 1,065 |
| Credit loss provision to net charge-offs | 93.0517% | 2,131 |
| Earnings coverage of net charge-offs (x) | 10.7608% | 2,312 |
| Efficiency ratio | 69.5051% | 2,392 |
| Assets per employee ($millions) | 7.3326% | 816 |
| Cash dividends to net income (ytd only)* | 458.7366% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,430 |
| Loan loss allowance to noncurrent loans | 97.0984% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 1,938 |
| Noncurrent loans to loans | 1.1024% | 1,600 |
| Net loans and leases to total assets | 68.9778% | 2,732 |
| Net loans and leases to deposits | 92.3595% | 1,536 |
| Net loans and leases to core deposits | 98.7017% | 1,835 |
| Total domestic deposits to total assets | 74.6841% | 4,982 |
| Equity capital to assets | 15.3401% | 620 |
| Core capital (leverage) ratio | 13.1988% | 1,159 |
| Tier 1 risk-based capital ratio | 18.3057% | 1,725 |
| Total risk-based capital ratio | 19.3814% | 1,723 |
| Memoranda: | ||
| Average total assets | $5,785,795,330 | 197 |
| Average earning assets | $5,333,338,330 | 191 |
| Average equity | $939,809,670 | 165 |
| Average total loans | $4,020,604,330 | 201 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,331 |
| Cost of funding earning assets | 0.5201% | 2,638 |
| Net interest margin | 3.2391% | 4,344 |
| Noninterest income to average assets | 0.4591% | 3,060 |
| Noninterest expense to average assets | 2.5051% | 3,623 |
| Loan and lease loss provision to assets | 0.0690% | 2,383 |
| Net operating income to assets | 0.6798% | 4,175 |
| Return on assets (ROA) | 0.6844% | 4,161 |
| Pretax return on assets | 0.8789% | 3,911 |
| Return on Equity (ROE) | 4.0997% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.0997% | 3,561 |
| Net charge-offs to loans | 0.1152% | 1,089 |
| Credit loss provision to net charge-offs | 86.2694% | 1,689 |
| Earnings coverage of net charge-offs (x) | 11.7979% | 1,828 |
| Efficiency ratio | 72.2469% | 2,154 |
| Assets per employee ($millions) | 7.5081% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,518 |
| Loan loss allowance to noncurrent loans | 93.8845% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 1,983 |
| Noncurrent loans to loans | 1.1468% | 1,592 |
| Net loans and leases to total assets | 68.4212% | 2,715 |
| Net loans and leases to deposits | 93.6401% | 1,262 |
| Net loans and leases to core deposits | 100.7385% | 1,634 |
| Total domestic deposits to total assets | 73.0683% | 5,216 |
| Equity capital to assets | 16.8025% | 413 |
| Core capital (leverage) ratio | 14.6939% | 715 |
| Tier 1 risk-based capital ratio | 20.6822% | 1,246 |
| Total risk-based capital ratio | 21.7676% | 1,242 |
| Memoranda: | ||
| Average total assets | $5,793,326,500 | 197 |
| Average earning assets | $5,346,412,000 | 191 |
| Average equity | $967,095,500 | 162 |
| Average total loans | $4,019,109,500 | 199 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,321 |
| Cost of funding earning assets | 0.5103% | 2,252 |
| Net interest margin | 3.1953% | 4,456 |
| Noninterest income to average assets | 0.4838% | 3,103 |
| Noninterest expense to average assets | 2.3666% | 4,163 |
| Loan and lease loss provision to assets | 0.0537% | 3,163 |
| Net operating income to assets | 0.4278% | 4,597 |
| Return on assets (ROA) | 0.4278% | 4,619 |
| Pretax return on assets | 1.0009% | 3,563 |
| Return on Equity (ROE) | 2.5657% | 4,932 |
| Retained earnings to average equity (ytd only) | -0.0153% | 5,023 |
| Net charge-offs to loans | 0.0769% | 2,351 |
| Credit loss provision to net charge-offs | 100.1928% | 2,555 |
| Earnings coverage of net charge-offs (x) | 19.6844% | 2,009 |
| Efficiency ratio | 68.3878% | 2,821 |
| Assets per employee ($millions) | 7.5494% | 747 |
| Cash dividends to net income (ytd only)* | 100.5955% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,494 |
| Loan loss allowance to noncurrent loans | 115.8203% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 2,382 |
| Noncurrent loans to loans | 0.9260% | 1,927 |
| Net loans and leases to total assets | 68.8371% | 2,703 |
| Net loans and leases to deposits | 93.8746% | 1,287 |
| Net loans and leases to core deposits | 102.1459% | 1,547 |
| Total domestic deposits to total assets | 73.3288% | 5,237 |
| Equity capital to assets | 16.5843% | 443 |
| Core capital (leverage) ratio | 14.4590% | 739 |
| Tier 1 risk-based capital ratio | 20.3367% | 1,256 |
| Total risk-based capital ratio | 21.4175% | 1,244 |
| Memoranda: | ||
| Average total assets | $5,808,655,200 | 191 |
| Average earning assets | $5,339,783,000 | 185 |
| Average equity | $968,608,400 | 152 |
| Average total loans | $4,045,921,000 | 189 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,486 |
| Cost of funding earning assets | 0.5031% | 2,239 |
| Net interest margin | 3.1289% | 4,625 |
| Noninterest income to average assets | 0.4799% | 3,150 |
| Noninterest expense to average assets | 2.3456% | 4,169 |
| Loan and lease loss provision to assets | 0.0482% | 3,139 |
| Net operating income to assets | 0.6380% | 4,242 |
| Return on assets (ROA) | 0.6379% | 4,296 |
| Pretax return on assets | 0.9595% | 3,833 |
| Return on Equity (ROE) | 3.8200% | 4,909 |
| Retained earnings to average equity (ytd only) | 0.3850% | 5,135 |
| Net charge-offs to loans | 0.0689% | 2,137 |
| Credit loss provision to net charge-offs | 100.4304% | 2,272 |
| Earnings coverage of net charge-offs (x) | 21.0072% | 1,931 |
| Efficiency ratio | 69.0234% | 2,706 |
| Assets per employee ($millions) | 7.5649% | 742 |
| Cash dividends to net income (ytd only)* | 89.9216% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,650 |
| Loan loss allowance to noncurrent loans | 110.8265% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 2,477 |
| Noncurrent loans to loans | 0.9681% | 1,990 |
| Net loans and leases to total assets | 68.5786% | 2,763 |
| Net loans and leases to deposits | 93.4042% | 1,366 |
| Net loans and leases to core deposits | 101.7668% | 1,561 |
| Total domestic deposits to total assets | 73.4213% | 5,283 |
| Equity capital to assets | 16.6200% | 471 |
| Core capital (leverage) ratio | 14.4543% | 778 |
| Tier 1 risk-based capital ratio | 20.1372% | 1,334 |
| Total risk-based capital ratio | 21.2109% | 1,330 |
| Memoranda: | ||
| Average total assets | $5,811,336,000 | 191 |
| Average earning assets | $5,337,004,750 | 186 |
| Average equity | $970,374,500 | 152 |
| Average total loans | $4,048,802,250 | 190 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 4,517 |
| Cost of funding earning assets | 0.4947% | 2,210 |
| Net interest margin | 3.1029% | 4,676 |
| Noninterest income to average assets | 0.5013% | 3,017 |
| Noninterest expense to average assets | 2.3867% | 4,085 |
| Loan and lease loss provision to assets | 0.0465% | 3,061 |
| Net operating income to assets | 0.6263% | 4,177 |
| Return on assets (ROA) | 0.6262% | 4,229 |
| Pretax return on assets | 0.9166% | 3,878 |
| Return on Equity (ROE) | 3.7441% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.7441% | 3,468 |
| Net charge-offs to loans | 0.0622% | 2,033 |
| Credit loss provision to net charge-offs | 107.0579% | 1,924 |
| Earnings coverage of net charge-offs (x) | 22.1879% | 1,719 |
| Efficiency ratio | 70.0763% | 2,658 |
| Assets per employee ($millions) | 7.5302% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,799 |
| Loan loss allowance to noncurrent loans | 106.2813% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 2,455 |
| Noncurrent loans to loans | 0.9960% | 1,972 |
| Net loans and leases to total assets | 69.5152% | 2,593 |
| Net loans and leases to deposits | 94.8908% | 1,187 |
| Net loans and leases to core deposits | 103.1595% | 1,425 |
| Total domestic deposits to total assets | 73.2581% | 5,364 |
| Equity capital to assets | 16.8406% | 423 |
| Core capital (leverage) ratio | 14.7512% | 689 |
| Tier 1 risk-based capital ratio | 19.7355% | 1,426 |
| Total risk-based capital ratio | 20.7709% | 1,429 |
| Memoranda: | ||
| Average total assets | $5,809,299,330 | 190 |
| Average earning assets | $5,333,340,330 | 187 |
| Average equity | $971,545,330 | 150 |
| Average total loans | $4,054,139,330 | 191 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 4,515 |
| Cost of funding earning assets | 0.4898% | 2,165 |
| Net interest margin | 3.0709% | 4,732 |
| Noninterest income to average assets | 0.4902% | 3,048 |
| Noninterest expense to average assets | 2.4316% | 4,026 |
| Loan and lease loss provision to assets | 0.0414% | 2,977 |
| Net operating income to assets | 0.5874% | 4,207 |
| Return on assets (ROA) | 0.5873% | 4,253 |
| Pretax return on assets | 0.8360% | 3,988 |
| Return on Equity (ROE) | 3.5239% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.5239% | 3,679 |
| Net charge-offs to loans | 0.0760% | 1,578 |
| Credit loss provision to net charge-offs | 78.3290% | 1,765 |
| Earnings coverage of net charge-offs (x) | 16.6110% | 1,635 |
| Efficiency ratio | 72.2953% | 2,520 |
| Assets per employee ($millions) | 7.5034% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,920 |
| Loan loss allowance to noncurrent loans | 96.0227% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 2,371 |
| Noncurrent loans to loans | 1.1063% | 1,850 |
| Net loans and leases to total assets | 68.4879% | 2,609 |
| Net loans and leases to deposits | 93.2036% | 1,198 |
| Net loans and leases to core deposits | 101.4809% | 1,405 |
| Total domestic deposits to total assets | 73.4820% | 5,455 |
| Equity capital to assets | 16.5696% | 424 |
| Core capital (leverage) ratio | 14.6781% | 674 |
| Tier 1 risk-based capital ratio | 19.9516% | 1,405 |
| Total risk-based capital ratio | 21.0042% | 1,408 |
| Memoranda: | ||
| Average total assets | $5,799,744,000 | 191 |
| Average earning assets | $5,324,118,500 | 187 |
| Average equity | $966,547,000 | 150 |
| Average total loans | $4,033,719,000 | 190 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5829% | 4,560 |
| Cost of funding earning assets | 0.4702% | 2,346 |
| Net interest margin | 3.1127% | 4,696 |
| Noninterest income to average assets | 0.4865% | 3,320 |
| Noninterest expense to average assets | 2.6115% | 3,640 |
| Loan and lease loss provision to assets | 0.0092% | 4,186 |
| Net operating income to assets | 0.4673% | 4,749 |
| Return on assets (ROA) | 0.4671% | 4,825 |
| Pretax return on assets | 0.7173% | 4,433 |
| Return on Equity (ROE) | 2.6550% | 5,255 |
| Retained earnings to average equity (ytd only) | -2.7125% | 5,576 |
| Net charge-offs to loans | 0.0766% | 2,603 |
| Credit loss provision to net charge-offs | 17.8047% | 3,687 |
| Earnings coverage of net charge-offs (x) | 14.1256% | 2,311 |
| Efficiency ratio | 76.9902% | 1,850 |
| Assets per employee ($millions) | 7.4248% | 758 |
| Cash dividends to net income (ytd only)* | 202.1672% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,838 |
| Loan loss allowance to noncurrent loans | 140.6862% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 3,088 |
| Noncurrent loans to loans | 0.7667% | 2,619 |
| Net loans and leases to total assets | 69.1297% | 2,606 |
| Net loans and leases to deposits | 93.5058% | 1,244 |
| Net loans and leases to core deposits | 101.6165% | 1,478 |
| Total domestic deposits to total assets | 73.9309% | 5,447 |
| Equity capital to assets | 16.7631% | 416 |
| Core capital (leverage) ratio | 14.7578% | 643 |
| Tier 1 risk-based capital ratio | 20.1699% | 1,349 |
| Total risk-based capital ratio | 21.2476% | 1,342 |
| Memoranda: | ||
| Average total assets | $5,294,423,000 | 196 |
| Average earning assets | $4,850,656,800 | 193 |
| Average equity | $931,522,200 | 151 |
| Average total loans | $3,558,346,600 | 197 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 4,618 |
| Cost of funding earning assets | 0.4595% | 2,462 |
| Net interest margin | 3.1174% | 4,726 |
| Noninterest income to average assets | 0.4629% | 3,470 |
| Noninterest expense to average assets | 2.6584% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4369% | 4,916 |
| Return on assets (ROA) | 0.4367% | 4,998 |
| Pretax return on assets | 0.6597% | 4,712 |
| Return on Equity (ROE) | 2.4502% | 5,366 |
| Retained earnings to average equity (ytd only) | -4.7656% | 5,728 |
| Net charge-offs to loans | 0.0400% | 2,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 24.8134% | 1,656 |
| Efficiency ratio | 78.8622% | 1,569 |
| Assets per employee ($millions) | 7.3132% | 787 |
| Cash dividends to net income (ytd only)* | 294.4987% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,583 |
| Loan loss allowance to noncurrent loans | 127.6402% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 2,949 |
| Noncurrent loans to loans | 0.8960% | 2,463 |
| Net loans and leases to total assets | 68.8854% | 2,660 |
| Net loans and leases to deposits | 92.5722% | 1,423 |
| Net loans and leases to core deposits | 100.1206% | 1,626 |
| Total domestic deposits to total assets | 74.4126% | 5,392 |
| Equity capital to assets | 17.2385% | 412 |
| Core capital (leverage) ratio | 14.9645% | 645 |
| Tier 1 risk-based capital ratio | 20.3608% | 1,380 |
| Total risk-based capital ratio | 21.4955% | 1,366 |
| Memoranda: | ||
| Average total assets | $5,183,195,500 | 200 |
| Average earning assets | $4,747,592,750 | 197 |
| Average equity | $923,880,750 | 153 |
| Average total loans | $3,445,221,750 | 202 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 4,837 |
| Cost of funding earning assets | 0.4485% | 2,583 |
| Net interest margin | 3.0629% | 4,934 |
| Noninterest income to average assets | 0.4551% | 3,488 |
| Noninterest expense to average assets | 2.7793% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3143% | 5,280 |
| Return on assets (ROA) | 0.3141% | 5,372 |
| Pretax return on assets | 0.4846% | 5,164 |
| Return on Equity (ROE) | 1.7410% | 5,567 |
| Retained earnings to average equity (ytd only) | -9.2335% | 5,866 |
| Net charge-offs to loans | 0.0595% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.4842% | 2,181 |
| Efficiency ratio | 83.8917% | 1,060 |
| Assets per employee ($millions) | 7.0505% | 856 |
| Cash dividends to net income (ytd only)* | 630.3580% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,517 |
| Loan loss allowance to noncurrent loans | 120.2859% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 2,857 |
| Noncurrent loans to loans | 0.9743% | 2,332 |
| Net loans and leases to total assets | 68.0937% | 2,764 |
| Net loans and leases to deposits | 90.5706% | 1,687 |
| Net loans and leases to core deposits | 96.9376% | 1,896 |
| Total domestic deposits to total assets | 75.1831% | 5,387 |
| Equity capital to assets | 17.3053% | 394 |
| Core capital (leverage) ratio | 15.1493% | 585 |
| Tier 1 risk-based capital ratio | 20.4578% | 1,356 |
| Total risk-based capital ratio | 21.6114% | 1,353 |
| Memoranda: | ||
| Average total assets | $5,050,925,330 | 203 |
| Average earning assets | $4,632,283,000 | 198 |
| Average equity | $911,203,670 | 151 |
| Average total loans | $3,297,537,330 | 213 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 5,262 |
| Cost of funding earning assets | 0.4336% | 2,739 |
| Net interest margin | 2.8970% | 5,322 |
| Noninterest income to average assets | 0.4477% | 3,502 |
| Noninterest expense to average assets | 2.5082% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4195% | 4,932 |
| Return on assets (ROA) | 0.4193% | 5,010 |
| Pretax return on assets | 0.6054% | 4,807 |
| Return on Equity (ROE) | 2.2712% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.2712% | 4,353 |
| Net charge-offs to loans | 0.0349% | 2,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 27.4398% | 1,241 |
| Efficiency ratio | 79.2836% | 1,700 |
| Assets per employee ($millions) | 6.2596% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 2,271 |
| Loan loss allowance to noncurrent loans | 129.4101% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 2,850 |
| Noncurrent loans to loans | 1.1089% | 2,182 |
| Net loans and leases to total assets | 64.5442% | 3,167 |
| Net loans and leases to deposits | 84.1638% | 2,285 |
| Net loans and leases to core deposits | 88.7994% | 2,480 |
| Total domestic deposits to total assets | 76.6888% | 5,338 |
| Equity capital to assets | 18.5864% | 287 |
| Core capital (leverage) ratio | 16.8071% | 386 |
| Tier 1 risk-based capital ratio | 24.4208% | 876 |
| Total risk-based capital ratio | 25.6734% | 860 |
| Memoranda: | ||
| Average total assets | $4,819,660,500 | 209 |
| Average earning assets | $4,435,731,500 | 204 |
| Average equity | $889,746,000 | 154 |
| Average total loans | $3,046,887,500 | 225 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2840% | 5,373 |
| Cost of funding earning assets | 0.4521% | 2,604 |
| Net interest margin | 2.8319% | 5,459 |
| Noninterest income to average assets | 0.5021% | 3,316 |
| Noninterest expense to average assets | 2.4673% | 4,331 |
| Loan and lease loss provision to assets | -0.0756% | 5,804 |
| Net operating income to assets | 0.4808% | 4,763 |
| Return on assets (ROA) | 0.4805% | 4,852 |
| Pretax return on assets | 0.7056% | 4,520 |
| Return on Equity (ROE) | 2.7704% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.7704% | 4,103 |
| Net charge-offs to loans | 0.0576% | 3,069 |
| Credit loss provision to net charge-offs | -231.6602% | 5,299 |
| Earnings coverage of net charge-offs (x) | 19.3192% | 1,955 |
| Efficiency ratio | 78.3720% | 1,907 |
| Assets per employee ($millions) | 6.1710% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,813 |
| Loan loss allowance to noncurrent loans | 120.7922% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 2,653 |
| Noncurrent loans to loans | 1.2805% | 1,837 |
| Net loans and leases to total assets | 60.0147% | 3,839 |
| Net loans and leases to deposits | 78.0131% | 3,053 |
| Net loans and leases to core deposits | 81.8898% | 3,160 |
| Total domestic deposits to total assets | 76.9290% | 5,328 |
| Equity capital to assets | 18.3355% | 291 |
| Core capital (leverage) ratio | 16.8636% | 379 |
| Tier 1 risk-based capital ratio | 25.7352% | 757 |
| Total risk-based capital ratio | 26.9893% | 739 |
| Memoranda: | ||
| Average total assets | $4,762,178,800 | 202 |
| Average earning assets | $4,364,821,600 | 197 |
| Average equity | $825,974,600 | 155 |
| Average total loans | $2,698,986,000 | 232 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2777% | 5,445 |
| Cost of funding earning assets | 0.4534% | 2,649 |
| Net interest margin | 2.8243% | 5,539 |
| Noninterest income to average assets | 0.5348% | 3,136 |
| Noninterest expense to average assets | 2.4919% | 4,219 |
| Loan and lease loss provision to assets | -0.1011% | 6,001 |
| Net operating income to assets | 0.5105% | 4,750 |
| Return on assets (ROA) | 0.5102% | 4,842 |
| Pretax return on assets | 0.7301% | 4,569 |
| Return on Equity (ROE) | 2.9849% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.9849% | 4,324 |
| Net charge-offs to loans | -0.0313% | 5,374 |
| Credit loss provision to net charge-offs | 580.6452% | 586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5703% | 1,879 |
| Assets per employee ($millions) | 6.0673% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 1,406 |
| Loan loss allowance to noncurrent loans | 126.3322% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 2,802 |
| Noncurrent loans to loans | 1.3690% | 1,871 |
| Net loans and leases to total assets | 57.2385% | 4,220 |
| Net loans and leases to deposits | 75.0541% | 3,418 |
| Net loans and leases to core deposits | 78.9075% | 3,518 |
| Total domestic deposits to total assets | 76.2630% | 5,450 |
| Equity capital to assets | 18.6684% | 295 |
| Core capital (leverage) ratio | 16.7907% | 397 |
| Tier 1 risk-based capital ratio | 28.5325% | 592 |
| Total risk-based capital ratio | 29.7914% | 584 |
| Memoranda: | ||
| Average total assets | $4,746,298,500 | 204 |
| Average earning assets | $4,346,641,500 | 201 |
| Average equity | $811,264,750 | 157 |
| Average total loans | $2,638,325,500 | 237 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 5,519 |
| Cost of funding earning assets | 0.4508% | 2,713 |
| Net interest margin | 2.8076% | 5,603 |
| Noninterest income to average assets | 0.5508% | 3,036 |
| Noninterest expense to average assets | 2.5458% | 4,086 |
| Loan and lease loss provision to assets | -0.1516% | 6,136 |
| Net operating income to assets | 0.5194% | 4,687 |
| Return on assets (ROA) | 0.5191% | 4,792 |
| Pretax return on assets | 0.7282% | 4,570 |
| Return on Equity (ROE) | 3.1329% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.1329% | 4,057 |
| Net charge-offs to loans | -0.0568% | 5,590 |
| Credit loss provision to net charge-offs | 487.8049% | 641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2642% | 1,721 |
| Assets per employee ($millions) | 6.0511% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 1,451 |
| Loan loss allowance to noncurrent loans | 124.8746% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 2,884 |
| Noncurrent loans to loans | 1.4129% | 1,905 |
| Net loans and leases to total assets | 56.1617% | 4,320 |
| Net loans and leases to deposits | 73.2582% | 3,580 |
| Net loans and leases to core deposits | 77.0044% | 3,666 |
| Total domestic deposits to total assets | 76.6627% | 5,510 |
| Equity capital to assets | 18.4731% | 298 |
| Core capital (leverage) ratio | 16.6172% | 398 |
| Tier 1 risk-based capital ratio | 29.4781% | 570 |
| Total risk-based capital ratio | 30.7380% | 563 |
| Memoranda: | ||
| Average total assets | $4,750,891,330 | 205 |
| Average earning assets | $4,352,296,330 | 204 |
| Average equity | $787,191,670 | 160 |
| Average total loans | $2,598,934,670 | 241 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2050% | 5,639 |
| Cost of funding earning assets | 0.4488% | 2,777 |
| Net interest margin | 2.7562% | 5,728 |
| Noninterest income to average assets | 0.4845% | 3,393 |
| Noninterest expense to average assets | 2.5604% | 4,064 |
| Loan and lease loss provision to assets | -0.1682% | 6,253 |
| Net operating income to assets | 0.4472% | 4,886 |
| Return on assets (ROA) | 0.4469% | 5,001 |
| Pretax return on assets | 0.6184% | 4,864 |
| Return on Equity (ROE) | 2.8608% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.8608% | 4,253 |
| Net charge-offs to loans | -0.0770% | 5,732 |
| Credit loss provision to net charge-offs | 408.1633% | 651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7317% | 1,413 |
| Assets per employee ($millions) | 6.0842% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 1,408 |
| Loan loss allowance to noncurrent loans | 128.6458% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 3,016 |
| Noncurrent loans to loans | 1.4328% | 1,993 |
| Net loans and leases to total assets | 54.8636% | 4,334 |
| Net loans and leases to deposits | 71.3904% | 3,605 |
| Net loans and leases to core deposits | 74.9520% | 3,692 |
| Total domestic deposits to total assets | 76.8501% | 5,637 |
| Equity capital to assets | 18.2573% | 311 |
| Core capital (leverage) ratio | 16.6231% | 400 |
| Tier 1 risk-based capital ratio | 29.6815% | 555 |
| Total risk-based capital ratio | 30.9397% | 547 |
| Memoranda: | ||
| Average total assets | $4,757,337,000 | 203 |
| Average earning assets | $4,361,126,500 | 202 |
| Average equity | $743,160,500 | 166 |
| Average total loans | $2,544,035,000 | 240 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3876% | 5,557 |
| Cost of funding earning assets | 0.5224% | 2,469 |
| Net interest margin | 2.8652% | 5,705 |
| Noninterest income to average assets | 0.5323% | 3,289 |
| Noninterest expense to average assets | 2.5994% | 4,224 |
| Loan and lease loss provision to assets | 0.0044% | 4,522 |
| Net operating income to assets | 0.4010% | 5,221 |
| Return on assets (ROA) | 0.4115% | 5,246 |
| Pretax return on assets | 0.5449% | 5,120 |
| Return on Equity (ROE) | 3.0537% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.0537% | 4,070 |
| Net charge-offs to loans | 0.2192% | 1,916 |
| Credit loss provision to net charge-offs | 3.8499% | 4,168 |
| Earnings coverage of net charge-offs (x) | 4.6674% | 3,591 |
| Efficiency ratio | 81.5972% | 1,709 |
| Assets per employee ($millions) | 5.9607% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 961 |
| Loan loss allowance to noncurrent loans | 126.6477% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8762% | 3,017 |
| Noncurrent loans to loans | 1.6514% | 1,772 |
| Net loans and leases to total assets | 49.9777% | 4,980 |
| Net loans and leases to deposits | 60.8021% | 4,828 |
| Net loans and leases to core deposits | 63.6601% | 4,862 |
| Total domestic deposits to total assets | 82.1973% | 4,351 |
| Equity capital to assets | 12.9714% | 1,385 |
| Core capital (leverage) ratio | 11.0510% | 2,356 |
| Tier 1 risk-based capital ratio | 21.1707% | 1,368 |
| Total risk-based capital ratio | 22.4329% | 1,340 |
| Memoranda: | ||
| Average total assets | $4,526,887,800 | 201 |
| Average earning assets | $4,112,241,200 | 200 |
| Average equity | $609,950,400 | 177 |
| Average total loans | $2,370,123,000 | 239 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 5,498 |
| Cost of funding earning assets | 0.5392% | 2,381 |
| Net interest margin | 2.9104% | 5,679 |
| Noninterest income to average assets | 0.5849% | 2,964 |
| Noninterest expense to average assets | 2.6877% | 3,864 |
| Loan and lease loss provision to assets | 0.0060% | 4,297 |
| Net operating income to assets | 0.4045% | 5,236 |
| Return on assets (ROA) | 0.4186% | 5,259 |
| Pretax return on assets | 0.5472% | 5,189 |
| Return on Equity (ROE) | 3.0766% | 5,511 |
| Retained earnings to average equity (ytd only) | 3.0766% | 4,428 |
| Net charge-offs to loans | 0.2339% | 1,646 |
| Credit loss provision to net charge-offs | 4.8368% | 3,757 |
| Earnings coverage of net charge-offs (x) | 4.3366% | 3,484 |
| Efficiency ratio | 82.1126% | 1,607 |
| Assets per employee ($millions) | 5.4833% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1646% | 994 |
| Loan loss allowance to noncurrent loans | 145.4765% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 3,257 |
| Noncurrent loans to loans | 1.4879% | 2,182 |
| Net loans and leases to total assets | 53.6875% | 4,612 |
| Net loans and leases to deposits | 67.5147% | 4,183 |
| Net loans and leases to core deposits | 71.0893% | 4,237 |
| Total domestic deposits to total assets | 79.5198% | 5,214 |
| Equity capital to assets | 14.1810% | 945 |
| Core capital (leverage) ratio | 11.2350% | 2,278 |
| Tier 1 risk-based capital ratio | 21.3994% | 1,375 |
| Total risk-based capital ratio | 22.6630% | 1,339 |
| Memoranda: | ||
| Average total assets | $4,472,440,000 | 201 |
| Average earning assets | $4,052,751,250 | 197 |
| Average equity | $608,575,750 | 174 |
| Average total loans | $2,357,170,000 | 237 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4186% | 5,587 |
| Cost of funding earning assets | 0.5362% | 2,476 |
| Net interest margin | 2.8824% | 5,768 |
| Noninterest income to average assets | 0.5496% | 3,126 |
| Noninterest expense to average assets | 2.7004% | 3,867 |
| Loan and lease loss provision to assets | 0.0776% | 2,727 |
| Net operating income to assets | 0.3150% | 5,514 |
| Return on assets (ROA) | 0.3258% | 5,553 |
| Pretax return on assets | 0.3968% | 5,575 |
| Return on Equity (ROE) | 2.4275% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.4275% | 4,665 |
| Net charge-offs to loans | 0.4070% | 1,000 |
| Credit loss provision to net charge-offs | 36.6492% | 2,968 |
| Earnings coverage of net charge-offs (x) | 2.1788% | 3,613 |
| Efficiency ratio | 84.1038% | 1,502 |
| Assets per employee ($millions) | 5.5583% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2207% | 994 |
| Loan loss allowance to noncurrent loans | 117.4695% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 2,954 |
| Noncurrent loans to loans | 1.8905% | 1,817 |
| Net loans and leases to total assets | 52.3705% | 4,708 |
| Net loans and leases to deposits | 65.5174% | 4,319 |
| Net loans and leases to core deposits | 68.8996% | 4,377 |
| Total domestic deposits to total assets | 79.9338% | 5,254 |
| Equity capital to assets | 13.8769% | 1,027 |
| Core capital (leverage) ratio | 10.7563% | 2,665 |
| Tier 1 risk-based capital ratio | 20.9732% | 1,454 |
| Total risk-based capital ratio | 22.2374% | 1,425 |
| Memoranda: | ||
| Average total assets | $4,512,009,330 | 201 |
| Average earning assets | $4,088,805,000 | 195 |
| Average equity | $605,633,000 | 175 |
| Average total loans | $2,346,518,000 | 234 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3965% | 5,655 |
| Cost of funding earning assets | 0.5312% | 2,595 |
| Net interest margin | 2.8653% | 5,819 |
| Noninterest income to average assets | 0.5387% | 3,120 |
| Noninterest expense to average assets | 2.7926% | 3,598 |
| Loan and lease loss provision to assets | 0.1317% | 1,846 |
| Net operating income to assets | 0.2130% | 5,765 |
| Return on assets (ROA) | 0.2307% | 5,765 |
| Pretax return on assets | 0.2324% | 5,866 |
| Return on Equity (ROE) | 1.7477% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.7477% | 4,909 |
| Net charge-offs to loans | 0.5290% | 699 |
| Credit loss provision to net charge-offs | 48.5751% | 2,220 |
| Earnings coverage of net charge-offs (x) | 1.2769% | 3,130 |
| Efficiency ratio | 87.6643% | 1,265 |
| Assets per employee ($millions) | 5.6239% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 993 |
| Loan loss allowance to noncurrent loans | 78.8544% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 2,198 |
| Noncurrent loans to loans | 2.9452% | 1,093 |
| Net loans and leases to total assets | 50.1616% | 4,893 |
| Net loans and leases to deposits | 62.2557% | 4,519 |
| Net loans and leases to core deposits | 65.5421% | 4,543 |
| Total domestic deposits to total assets | 80.5734% | 5,363 |
| Equity capital to assets | 13.3425% | 1,161 |
| Core capital (leverage) ratio | 10.4620% | 2,975 |
| Tier 1 risk-based capital ratio | 20.7435% | 1,528 |
| Total risk-based capital ratio | 22.0086% | 1,496 |
| Memoranda: | ||
| Average total assets | $4,555,820,000 | 197 |
| Average earning assets | $4,134,307,000 | 194 |
| Average equity | $601,464,500 | 176 |
| Average total loans | $2,334,928,000 | 232 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4568% | 5,719 |
| Cost of funding earning assets | 0.5852% | 2,789 |
| Net interest margin | 2.8715% | 5,846 |
| Noninterest income to average assets | 0.4788% | 3,898 |
| Noninterest expense to average assets | 2.4974% | 4,769 |
| Loan and lease loss provision to assets | 0.2741% | 1,284 |
| Net operating income to assets | 0.2628% | 5,646 |
| Return on assets (ROA) | 0.2863% | 5,662 |
| Pretax return on assets | 0.3524% | 5,600 |
| Return on Equity (ROE) | 2.2192% | 5,761 |
| Retained earnings to average equity (ytd only) | -1.0491% | 6,070 |
| Net charge-offs to loans | 0.6291% | 1,040 |
| Credit loss provision to net charge-offs | 86.6667% | 2,848 |
| Earnings coverage of net charge-offs (x) | 1.8891% | 4,421 |
| Efficiency ratio | 79.4215% | 2,252 |
| Assets per employee ($millions) | 5.7740% | 1,428 |
| Cash dividends to net income (ytd only)* | 147.2754% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3761% | 954 |
| Loan loss allowance to noncurrent loans | 72.6735% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 2,047 |
| Noncurrent loans to loans | 3.2695% | 1,016 |
| Net loans and leases to total assets | 49.9345% | 5,088 |
| Net loans and leases to deposits | 61.7073% | 4,748 |
| Net loans and leases to core deposits | 64.9027% | 4,786 |
| Total domestic deposits to total assets | 80.9216% | 5,205 |
| Equity capital to assets | 13.0631% | 1,248 |
| Core capital (leverage) ratio | 10.1478% | 3,369 |
| Tier 1 risk-based capital ratio | 20.5674% | 1,522 |
| Total risk-based capital ratio | 21.8333% | 1,494 |
| Memoranda: | ||
| Average total assets | $4,743,485,800 | 184 |
| Average earning assets | $4,321,253,000 | 177 |
| Average equity | $611,924,800 | 171 |
| Average total loans | $2,384,448,400 | 218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 5,780 |
| Cost of funding earning assets | 0.5845% | 2,957 |
| Net interest margin | 2.8695% | 5,879 |
| Noninterest income to average assets | 0.4888% | 3,883 |
| Noninterest expense to average assets | 2.5075% | 4,696 |
| Loan and lease loss provision to assets | 0.3205% | 1,046 |
| Net operating income to assets | 0.2347% | 5,826 |
| Return on assets (ROA) | 0.2805% | 5,787 |
| Pretax return on assets | 0.3300% | 5,800 |
| Return on Equity (ROE) | 2.1812% | 5,884 |
| Retained earnings to average equity (ytd only) | 2.1812% | 5,011 |
| Net charge-offs to loans | 0.6841% | 882 |
| Credit loss provision to net charge-offs | 93.5796% | 2,543 |
| Earnings coverage of net charge-offs (x) | 1.7421% | 4,254 |
| Efficiency ratio | 79.5213% | 2,176 |
| Assets per employee ($millions) | 5.8503% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4298% | 1,012 |
| Loan loss allowance to noncurrent loans | 76.6039% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7460% | 2,351 |
| Noncurrent loans to loans | 3.1720% | 1,240 |
| Net loans and leases to total assets | 48.7843% | 5,264 |
| Net loans and leases to deposits | 60.3955% | 4,927 |
| Net loans and leases to core deposits | 63.4789% | 4,953 |
| Total domestic deposits to total assets | 80.7747% | 5,279 |
| Equity capital to assets | 13.1048% | 1,283 |
| Core capital (leverage) ratio | 10.2530% | 3,322 |
| Tier 1 risk-based capital ratio | 20.9151% | 1,508 |
| Total risk-based capital ratio | 22.1816% | 1,482 |
| Memoranda: | ||
| Average total assets | $4,784,660,250 | 180 |
| Average earning assets | $4,360,747,750 | 174 |
| Average equity | $615,373,000 | 168 |
| Average total loans | $2,395,049,250 | 209 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 5,806 |
| Cost of funding earning assets | 0.5774% | 3,146 |
| Net interest margin | 2.8650% | 5,859 |
| Noninterest income to average assets | 0.5106% | 3,766 |
| Noninterest expense to average assets | 2.4643% | 4,855 |
| Loan and lease loss provision to assets | 0.4150% | 735 |
| Net operating income to assets | 0.2086% | 5,867 |
| Return on assets (ROA) | 0.2664% | 5,860 |
| Pretax return on assets | 0.3124% | 5,842 |
| Return on Equity (ROE) | 2.0839% | 5,927 |
| Retained earnings to average equity (ytd only) | 2.0839% | 4,948 |
| Net charge-offs to loans | 0.7448% | 868 |
| Credit loss provision to net charge-offs | 111.2718% | 1,992 |
| Earnings coverage of net charge-offs (x) | 1.7683% | 3,941 |
| Efficiency ratio | 77.6457% | 2,517 |
| Assets per employee ($millions) | 5.8565% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4594% | 1,027 |
| Loan loss allowance to noncurrent loans | 70.9987% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 2,267 |
| Noncurrent loans to loans | 3.4641% | 1,233 |
| Net loans and leases to total assets | 49.5325% | 5,158 |
| Net loans and leases to deposits | 61.5910% | 4,791 |
| Net loans and leases to core deposits | 64.8480% | 4,807 |
| Total domestic deposits to total assets | 80.4217% | 5,499 |
| Equity capital to assets | 12.9708% | 1,353 |
| Core capital (leverage) ratio | 10.3517% | 3,042 |
| Tier 1 risk-based capital ratio | 20.5602% | 1,602 |
| Total risk-based capital ratio | 21.8266% | 1,566 |
| Memoranda: | ||
| Average total assets | $4,819,475,000 | 180 |
| Average earning assets | $4,395,811,670 | 174 |
| Average equity | $616,053,000 | 168 |
| Average total loans | $2,413,376,000 | 207 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4074% | 5,922 |
| Cost of funding earning assets | 0.5663% | 3,415 |
| Net interest margin | 2.8411% | 5,939 |
| Noninterest income to average assets | 0.4769% | 3,938 |
| Noninterest expense to average assets | 2.4001% | 5,119 |
| Loan and lease loss provision to assets | 0.4098% | 748 |
| Net operating income to assets | 0.2186% | 5,825 |
| Return on assets (ROA) | 0.2759% | 5,764 |
| Pretax return on assets | 0.3294% | 5,784 |
| Return on Equity (ROE) | 2.1741% | 5,879 |
| Retained earnings to average equity (ytd only) | 2.1741% | 4,915 |
| Net charge-offs to loans | 0.6542% | 937 |
| Credit loss provision to net charge-offs | 125.9446% | 1,541 |
| Earnings coverage of net charge-offs (x) | 2.0620% | 3,145 |
| Efficiency ratio | 76.9081% | 2,779 |
| Assets per employee ($millions) | 5.8606% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4367% | 1,197 |
| Loan loss allowance to noncurrent loans | 65.7056% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.1227% | 2,213 |
| Noncurrent loans to loans | 3.7086% | 1,273 |
| Net loans and leases to total assets | 49.3698% | 5,069 |
| Net loans and leases to deposits | 61.4186% | 4,630 |
| Net loans and leases to core deposits | 64.7086% | 4,681 |
| Total domestic deposits to total assets | 80.3825% | 5,669 |
| Equity capital to assets | 13.0295% | 1,417 |
| Core capital (leverage) ratio | 10.2000% | 3,150 |
| Tier 1 risk-based capital ratio | 20.3774% | 1,677 |
| Total risk-based capital ratio | 21.6436% | 1,650 |
| Memoranda: | ||
| Average total assets | $4,880,745,500 | 183 |
| Average earning assets | $4,456,483,500 | 177 |
| Average equity | $619,464,000 | 172 |
| Average total loans | $2,427,477,500 | 209 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 5,510 |
| Cost of funding earning assets | 0.7089% | 3,427 |
| Net interest margin | 3.2144% | 5,535 |
| Noninterest income to average assets | 0.4694% | 4,103 |
| Noninterest expense to average assets | 2.5218% | 5,024 |
| Loan and lease loss provision to assets | 0.5872% | 946 |
| Net operating income to assets | 0.2582% | 5,604 |
| Return on assets (ROA) | 0.2916% | 5,704 |
| Pretax return on assets | 0.3254% | 5,776 |
| Return on Equity (ROE) | 2.2855% | 5,824 |
| Retained earnings to average equity (ytd only) | 0.6418% | 5,541 |
| Net charge-offs to loans | 0.9697% | 1,133 |
| Credit loss provision to net charge-offs | 113.9879% | 2,551 |
| Earnings coverage of net charge-offs (x) | 1.6995% | 4,583 |
| Efficiency ratio | 71.6600% | 3,482 |
| Assets per employee ($millions) | 6.3165% | 1,094 |
| Cash dividends to net income (ytd only)* | 71.9166% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3560% | 1,298 |
| Loan loss allowance to noncurrent loans | 60.8253% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 2.1295% | 2,299 |
| Noncurrent loans to loans | 3.8734% | 1,250 |
| Net loans and leases to total assets | 47.7586% | 5,437 |
| Net loans and leases to deposits | 60.2114% | 5,006 |
| Net loans and leases to core deposits | 63.3731% | 5,028 |
| Total domestic deposits to total assets | 79.3183% | 5,819 |
| Equity capital to assets | 12.3709% | 1,811 |
| Core capital (leverage) ratio | 9.5313% | 4,063 |
| Tier 1 risk-based capital ratio | 19.2348% | 1,885 |
| Total risk-based capital ratio | 20.5026% | 1,853 |
| Memoranda: | ||
| Average total assets | $4,768,508,000 | 180 |
| Average earning assets | $4,343,376,000 | 175 |
| Average equity | $608,403,800 | 171 |
| Average total loans | $2,533,072,800 | 196 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 5,375 |
| Cost of funding earning assets | 0.7406% | 3,425 |
| Net interest margin | 3.3047% | 5,376 |
| Noninterest income to average assets | 0.5180% | 3,812 |
| Noninterest expense to average assets | 2.5941% | 4,766 |
| Loan and lease loss provision to assets | 0.6228% | 858 |
| Net operating income to assets | 0.2642% | 5,734 |
| Return on assets (ROA) | 0.2845% | 5,870 |
| Pretax return on assets | 0.3326% | 5,891 |
| Return on Equity (ROE) | 2.2117% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.0108% | 6,068 |
| Net charge-offs to loans | 1.0633% | 986 |
| Credit loss provision to net charge-offs | 107.9861% | 2,719 |
| Earnings coverage of net charge-offs (x) | 1.6157% | 4,473 |
| Efficiency ratio | 71.2655% | 3,455 |
| Assets per employee ($millions) | 6.1015% | 1,185 |
| Cash dividends to net income (ytd only)* | 99.5124% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2414% | 1,626 |
| Loan loss allowance to noncurrent loans | 53.9522% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.6129% | 2,017 |
| Noncurrent loans to loans | 4.1544% | 1,203 |
| Net loans and leases to total assets | 50.5906% | 5,237 |
| Net loans and leases to deposits | 62.7053% | 4,888 |
| Net loans and leases to core deposits | 66.1485% | 4,940 |
| Total domestic deposits to total assets | 80.6799% | 5,458 |
| Equity capital to assets | 12.9315% | 1,628 |
| Core capital (leverage) ratio | 9.7411% | 3,884 |
| Tier 1 risk-based capital ratio | 19.2233% | 1,943 |
| Total risk-based capital ratio | 20.4905% | 1,909 |
| Memoranda: | ||
| Average total assets | $4,709,962,000 | 184 |
| Average earning assets | $4,287,027,000 | 179 |
| Average equity | $605,785,000 | 175 |
| Average total loans | $2,554,624,250 | 196 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 5,378 |
| Cost of funding earning assets | 0.7639% | 3,485 |
| Net interest margin | 3.3198% | 5,391 |
| Noninterest income to average assets | 0.5258% | 3,749 |
| Noninterest expense to average assets | 2.6387% | 4,654 |
| Loan and lease loss provision to assets | 0.6417% | 896 |
| Net operating income to assets | 0.2409% | 5,790 |
| Return on assets (ROA) | 0.2542% | 5,944 |
| Pretax return on assets | 0.2810% | 5,990 |
| Return on Equity (ROE) | 1.9800% | 6,043 |
| Retained earnings to average equity (ytd only) | -1.3522% | 6,259 |
| Net charge-offs to loans | 1.0554% | 1,041 |
| Credit loss provision to net charge-offs | 110.3590% | 2,465 |
| Earnings coverage of net charge-offs (x) | 1.5614% | 4,213 |
| Efficiency ratio | 72.0418% | 3,427 |
| Assets per employee ($millions) | 6.1496% | 1,137 |
| Cash dividends to net income (ytd only)* | 168.2935% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,909 |
| Loan loss allowance to noncurrent loans | 48.3909% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8426% | 1,938 |
| Noncurrent loans to loans | 4.4218% | 1,207 |
| Net loans and leases to total assets | 52.4940% | 5,034 |
| Net loans and leases to deposits | 65.4186% | 4,584 |
| Net loans and leases to core deposits | 68.9947% | 4,670 |
| Total domestic deposits to total assets | 80.2433% | 5,678 |
| Equity capital to assets | 12.7098% | 1,680 |
| Core capital (leverage) ratio | 9.6724% | 3,887 |
| Tier 1 risk-based capital ratio | 18.3572% | 2,177 |
| Total risk-based capital ratio | 19.6217% | 2,135 |
| Memoranda: | ||
| Average total assets | $4,675,251,330 | 183 |
| Average earning assets | $4,254,053,330 | 180 |
| Average equity | $600,201,670 | 172 |
| Average total loans | $2,575,725,670 | 195 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 5,588 |
| Cost of funding earning assets | 0.7642% | 3,757 |
| Net interest margin | 3.2920% | 5,501 |
| Noninterest income to average assets | 0.5491% | 3,568 |
| Noninterest expense to average assets | 2.5397% | 5,026 |
| Loan and lease loss provision to assets | 0.6536% | 831 |
| Net operating income to assets | 0.3187% | 5,596 |
| Return on assets (ROA) | 0.3455% | 5,667 |
| Pretax return on assets | 0.3850% | 5,767 |
| Return on Equity (ROE) | 2.6768% | 5,837 |
| Retained earnings to average equity (ytd only) | 2.6768% | 4,920 |
| Net charge-offs to loans | 1.0286% | 1,007 |
| Credit loss provision to net charge-offs | 113.7570% | 2,077 |
| Earnings coverage of net charge-offs (x) | 1.7560% | 3,462 |
| Efficiency ratio | 69.3296% | 3,923 |
| Assets per employee ($millions) | 5.9529% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1602% | 1,966 |
| Loan loss allowance to noncurrent loans | 43.4687% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 3.2401% | 1,781 |
| Noncurrent loans to loans | 4.9694% | 1,137 |
| Net loans and leases to total assets | 54.3950% | 4,656 |
| Net loans and leases to deposits | 68.4091% | 3,993 |
| Net loans and leases to core deposits | 72.3077% | 4,103 |
| Total domestic deposits to total assets | 79.5143% | 5,972 |
| Equity capital to assets | 12.9360% | 1,466 |
| Core capital (leverage) ratio | 10.0226% | 3,341 |
| Tier 1 risk-based capital ratio | 18.0360% | 2,276 |
| Total risk-based capital ratio | 19.3012% | 2,241 |
| Memoranda: | ||
| Average total assets | $4,589,936,000 | 182 |
| Average earning assets | $4,182,167,500 | 179 |
| Average equity | $592,352,000 | 171 |
| Average total loans | $2,563,878,500 | 195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 6,115 |
| Cost of funding earning assets | 0.8868% | 4,212 |
| Net interest margin | 3.2922% | 5,829 |
| Noninterest income to average assets | 0.4827% | 3,978 |
| Noninterest expense to average assets | 2.4885% | 5,509 |
| Loan and lease loss provision to assets | 0.7898% | 1,256 |
| Net operating income to assets | 0.2283% | 5,497 |
| Return on assets (ROA) | 0.2393% | 5,605 |
| Pretax return on assets | 0.2027% | 5,780 |
| Return on Equity (ROE) | 1.9475% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.9475% | 4,821 |
| Net charge-offs to loans | 1.0562% | 1,638 |
| Credit loss provision to net charge-offs | 130.8718% | 2,333 |
| Earnings coverage of net charge-offs (x) | 1.6265% | 4,551 |
| Efficiency ratio | 69.5390% | 4,053 |
| Assets per employee ($millions) | 5.7234% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 1,993 |
| Loan loss allowance to noncurrent loans | 39.7608% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 3.3577% | 1,765 |
| Noncurrent loans to loans | 5.2928% | 1,026 |
| Net loans and leases to total assets | 54.9403% | 4,892 |
| Net loans and leases to deposits | 68.9137% | 4,292 |
| Net loans and leases to core deposits | 73.0917% | 4,367 |
| Total domestic deposits to total assets | 79.7234% | 5,812 |
| Equity capital to assets | 12.8749% | 1,559 |
| Core capital (leverage) ratio | 9.6730% | 3,769 |
| Tier 1 risk-based capital ratio | 18.0870% | 2,163 |
| Total risk-based capital ratio | 19.3492% | 2,135 |
| Memoranda: | ||
| Average total assets | $4,748,175,200 | 175 |
| Average earning assets | $4,308,568,600 | 172 |
| Average equity | $583,458,200 | 171 |
| Average total loans | $2,712,990,800 | 187 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 6,213 |
| Cost of funding earning assets | 0.9073% | 4,347 |
| Net interest margin | 3.2882% | 5,893 |
| Noninterest income to average assets | 0.4586% | 4,232 |
| Noninterest expense to average assets | 2.5014% | 5,458 |
| Loan and lease loss provision to assets | 0.8076% | 1,150 |
| Net operating income to assets | 0.1345% | 5,874 |
| Return on assets (ROA) | 0.1480% | 5,960 |
| Pretax return on assets | 0.1438% | 6,015 |
| Return on Equity (ROE) | 1.2187% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.2187% | 5,527 |
| Net charge-offs to loans | 0.9827% | 1,643 |
| Credit loss provision to net charge-offs | 143.2169% | 2,217 |
| Earnings coverage of net charge-offs (x) | 1.6632% | 4,401 |
| Efficiency ratio | 70.5641% | 3,842 |
| Assets per employee ($millions) | 5.6690% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 2,296 |
| Loan loss allowance to noncurrent loans | 37.4751% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 3.5339% | 1,780 |
| Noncurrent loans to loans | 5.3738% | 1,118 |
| Net loans and leases to total assets | 56.9249% | 4,693 |
| Net loans and leases to deposits | 72.3197% | 3,939 |
| Net loans and leases to core deposits | 76.2456% | 4,167 |
| Total domestic deposits to total assets | 78.7128% | 6,046 |
| Equity capital to assets | 12.7780% | 1,734 |
| Core capital (leverage) ratio | 9.6952% | 3,856 |
| Tier 1 risk-based capital ratio | 17.6683% | 2,373 |
| Total risk-based capital ratio | 18.9295% | 2,338 |
| Memoranda: | ||
| Average total assets | $4,787,668,250 | 174 |
| Average earning assets | $4,339,923,750 | 170 |
| Average equity | $581,577,000 | 173 |
| Average total loans | $2,747,217,250 | 188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 6,224 |
| Cost of funding earning assets | 0.9283% | 4,460 |
| Net interest margin | 3.3002% | 5,860 |
| Noninterest income to average assets | 0.4284% | 4,439 |
| Noninterest expense to average assets | 2.5528% | 5,345 |
| Loan and lease loss provision to assets | 0.8262% | 1,105 |
| Net operating income to assets | 0.0343% | 6,160 |
| Return on assets (ROA) | 0.0513% | 6,200 |
| Pretax return on assets | 0.0522% | 6,182 |
| Return on Equity (ROE) | 0.4295% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.4295% | 5,675 |
| Net charge-offs to loans | 1.0169% | 1,553 |
| Credit loss provision to net charge-offs | 142.1565% | 2,147 |
| Earnings coverage of net charge-offs (x) | 1.4816% | 4,174 |
| Efficiency ratio | 72.6414% | 3,610 |
| Assets per employee ($millions) | 5.6720% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 2,731 |
| Loan loss allowance to noncurrent loans | 35.6556% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 3.4541% | 1,908 |
| Noncurrent loans to loans | 5.2710% | 1,221 |
| Net loans and leases to total assets | 56.8895% | 4,833 |
| Net loans and leases to deposits | 70.4650% | 4,373 |
| Net loans and leases to core deposits | 74.6601% | 4,487 |
| Total domestic deposits to total assets | 80.7344% | 5,611 |
| Equity capital to assets | 12.4317% | 1,825 |
| Core capital (leverage) ratio | 9.2841% | 4,269 |
| Tier 1 risk-based capital ratio | 17.1288% | 2,467 |
| Total risk-based capital ratio | 18.3926% | 2,441 |
| Memoranda: | ||
| Average total assets | $4,841,592,670 | 177 |
| Average earning assets | $4,379,898,000 | 169 |
| Average equity | $578,404,000 | 175 |
| Average total loans | $2,767,154,670 | 189 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 6,170 |
| Cost of funding earning assets | 0.9304% | 4,718 |
| Net interest margin | 3.3103% | 5,736 |
| Noninterest income to average assets | 0.4224% | 4,517 |
| Noninterest expense to average assets | 2.6781% | 4,925 |
| Loan and lease loss provision to assets | 0.8149% | 1,030 |
| Net operating income to assets | -0.0808% | 6,441 |
| Return on assets (ROA) | -0.0669% | 6,441 |
| Pretax return on assets | -0.0726% | 6,428 |
| Return on Equity (ROE) | -0.5712% | 6,436 |
| Retained earnings to average equity (ytd only) | -0.5712% | 5,903 |
| Net charge-offs to loans | 1.1423% | 1,215 |
| Credit loss provision to net charge-offs | 125.6913% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.1215% | 3,825 |
| Efficiency ratio | 76.5884% | 3,055 |
| Assets per employee ($millions) | 5.7584% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 3,310 |
| Loan loss allowance to noncurrent loans | 32.6495% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 3.3028% | 2,074 |
| Noncurrent loans to loans | 5.2317% | 1,267 |
| Net loans and leases to total assets | 55.7394% | 5,040 |
| Net loans and leases to deposits | 68.2972% | 4,632 |
| Net loans and leases to core deposits | 71.3257% | 4,884 |
| Total domestic deposits to total assets | 81.6129% | 5,455 |
| Equity capital to assets | 11.6613% | 2,150 |
| Core capital (leverage) ratio | 9.0777% | 4,485 |
| Tier 1 risk-based capital ratio | 15.9091% | 2,947 |
| Total risk-based capital ratio | 17.1698% | 2,912 |
| Memoranda: | ||
| Average total assets | $4,908,526,500 | 171 |
| Average earning assets | $4,423,018,000 | 168 |
| Average equity | $574,980,000 | 176 |
| Average total loans | $2,785,983,500 | 185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 6,241 |
| Cost of funding earning assets | 1.1573% | 4,807 |
| Net interest margin | 3.3968% | 5,644 |
| Noninterest income to average assets | 0.4502% | 4,512 |
| Noninterest expense to average assets | 2.5857% | 5,472 |
| Loan and lease loss provision to assets | 1.4594% | 1,021 |
| Net operating income to assets | -0.2120% | 6,128 |
| Return on assets (ROA) | -0.1921% | 6,157 |
| Pretax return on assets | -0.5026% | 6,326 |
| Return on Equity (ROE) | -1.5440% | 6,125 |
| Retained earnings to average equity (ytd only) | -1.5440% | 5,896 |
| Net charge-offs to loans | 2.5338% | 740 |
| Credit loss provision to net charge-offs | 99.3096% | 4,660 |
| Earnings coverage of net charge-offs (x) | 0.6299% | 5,479 |
| Efficiency ratio | 71.5592% | 3,877 |
| Assets per employee ($millions) | 5.5122% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 3,498 |
| Loan loss allowance to noncurrent loans | 36.7118% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 2.8496% | 2,459 |
| Noncurrent loans to loans | 4.4192% | 1,617 |
| Net loans and leases to total assets | 55.8862% | 5,362 |
| Net loans and leases to deposits | 69.0879% | 4,949 |
| Net loans and leases to core deposits | 70.9829% | 5,332 |
| Total domestic deposits to total assets | 80.8914% | 5,556 |
| Equity capital to assets | 11.7662% | 2,065 |
| Core capital (leverage) ratio | 8.8910% | 4,714 |
| Tier 1 risk-based capital ratio | 15.6896% | 2,900 |
| Total risk-based capital ratio | 16.9480% | 2,858 |
| Memoranda: | ||
| Average total assets | $4,810,112,200 | 176 |
| Average earning assets | $4,334,769,800 | 171 |
| Average equity | $598,431,800 | 169 |
| Average total loans | $2,789,820,800 | 186 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 6,311 |
| Cost of funding earning assets | 1.1976% | 4,877 |
| Net interest margin | 3.4115% | 5,630 |
| Noninterest income to average assets | 0.4763% | 4,364 |
| Noninterest expense to average assets | 2.6141% | 5,268 |
| Loan and lease loss provision to assets | 1.7342% | 724 |
| Net operating income to assets | -0.2750% | 6,405 |
| Return on assets (ROA) | -0.2486% | 6,429 |
| Pretax return on assets | -0.7568% | 6,709 |
| Return on Equity (ROE) | -1.9709% | 6,398 |
| Retained earnings to average equity (ytd only) | -1.9709% | 6,197 |
| Net charge-offs to loans | 3.0173% | 507 |
| Credit loss provision to net charge-offs | 98.5784% | 4,423 |
| Earnings coverage of net charge-offs (x) | 0.5321% | 5,495 |
| Efficiency ratio | 71.5474% | 3,791 |
| Assets per employee ($millions) | 5.3814% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 3,430 |
| Loan loss allowance to noncurrent loans | 38.7189% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.7303% | 2,652 |
| Noncurrent loans to loans | 4.1941% | 1,746 |
| Net loans and leases to total assets | 55.6798% | 5,597 |
| Net loans and leases to deposits | 69.8261% | 5,178 |
| Net loans and leases to core deposits | 71.6286% | 5,557 |
| Total domestic deposits to total assets | 79.7407% | 5,793 |
| Equity capital to assets | 12.1476% | 2,060 |
| Core capital (leverage) ratio | 9.2613% | 4,258 |
| Tier 1 risk-based capital ratio | 16.2014% | 2,670 |
| Total risk-based capital ratio | 17.4581% | 2,617 |
| Memoranda: | ||
| Average total assets | $4,782,031,250 | 173 |
| Average earning assets | $4,308,703,000 | 171 |
| Average equity | $603,243,750 | 167 |
| Average total loans | $2,788,194,000 | 184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 5,948 |
| Cost of funding earning assets | 1.2344% | 4,933 |
| Net interest margin | 3.5212% | 5,155 |
| Noninterest income to average assets | 0.5320% | 3,858 |
| Noninterest expense to average assets | 2.5970% | 5,337 |
| Loan and lease loss provision to assets | 0.4699% | 2,965 |
| Net operating income to assets | 0.4985% | 4,336 |
| Return on assets (ROA) | 0.5350% | 4,322 |
| Pretax return on assets | 0.6849% | 4,290 |
| Return on Equity (ROE) | 4.1877% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.1877% | 3,403 |
| Net charge-offs to loans | 0.4373% | 3,236 |
| Credit loss provision to net charge-offs | 182.4877% | 2,155 |
| Earnings coverage of net charge-offs (x) | 4.3029% | 2,996 |
| Efficiency ratio | 68.0836% | 4,566 |
| Assets per employee ($millions) | 5.4041% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 2,690 |
| Loan loss allowance to noncurrent loans | 44.9956% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.5432% | 2,844 |
| Noncurrent loans to loans | 4.0260% | 1,881 |
| Net loans and leases to total assets | 56.6559% | 5,604 |
| Net loans and leases to deposits | 75.2628% | 4,472 |
| Net loans and leases to core deposits | 77.4686% | 5,026 |
| Total domestic deposits to total assets | 75.2774% | 6,813 |
| Equity capital to assets | 12.6814% | 1,693 |
| Core capital (leverage) ratio | 9.9443% | 3,230 |
| Tier 1 risk-based capital ratio | 16.5229% | 2,461 |
| Total risk-based capital ratio | 17.7844% | 2,411 |
| Memoranda: | ||
| Average total assets | $4,745,481,000 | 173 |
| Average earning assets | $4,276,202,330 | 171 |
| Average equity | $606,251,330 | 166 |
| Average total loans | $2,794,712,330 | 185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 6,232 |
| Cost of funding earning assets | 1.3017% | 4,803 |
| Net interest margin | 3.4017% | 5,575 |
| Noninterest income to average assets | 0.5400% | 3,727 |
| Noninterest expense to average assets | 2.5959% | 5,374 |
| Loan and lease loss provision to assets | 0.4227% | 2,842 |
| Net operating income to assets | 0.5138% | 4,326 |
| Return on assets (ROA) | 0.5935% | 4,064 |
| Pretax return on assets | 0.7075% | 4,205 |
| Return on Equity (ROE) | 4.6277% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.6277% | 3,359 |
| Net charge-offs to loans | 0.6337% | 2,237 |
| Credit loss provision to net charge-offs | 112.0924% | 3,091 |
| Earnings coverage of net charge-offs (x) | 2.7455% | 3,174 |
| Efficiency ratio | 69.4097% | 4,425 |
| Assets per employee ($millions) | 5.3255% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 3,193 |
| Loan loss allowance to noncurrent loans | 38.5767% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 2.7317% | 2,662 |
| Noncurrent loans to loans | 4.3182% | 1,755 |
| Net loans and leases to total assets | 58.2349% | 5,391 |
| Net loans and leases to deposits | 75.3326% | 4,525 |
| Net loans and leases to core deposits | 77.0292% | 5,137 |
| Total domestic deposits to total assets | 77.3037% | 6,491 |
| Equity capital to assets | 12.8561% | 1,575 |
| Core capital (leverage) ratio | 9.7080% | 3,510 |
| Tier 1 risk-based capital ratio | 16.8854% | 2,309 |
| Total risk-based capital ratio | 18.1495% | 2,256 |
| Memoranda: | ||
| Average total assets | $4,683,661,000 | 180 |
| Average earning assets | $4,256,378,000 | 176 |
| Average equity | $600,641,500 | 166 |
| Average total loans | $2,787,298,000 | 193 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 6,272 |
| Cost of funding earning assets | 1.7219% | 4,401 |
| Net interest margin | 3.3267% | 5,631 |
| Noninterest income to average assets | 0.5008% | 4,402 |
| Noninterest expense to average assets | 2.7768% | 5,068 |
| Loan and lease loss provision to assets | 0.3687% | 4,576 |
| Net operating income to assets | 0.3296% | 4,417 |
| Return on assets (ROA) | 0.4396% | 4,089 |
| Pretax return on assets | 0.4524% | 4,342 |
| Return on Equity (ROE) | 3.1944% | 4,418 |
| Retained earnings to average equity (ytd only) | 3.1944% | 2,924 |
| Net charge-offs to loans | 0.2555% | 5,022 |
| Credit loss provision to net charge-offs | 232.6860% | 1,570 |
| Earnings coverage of net charge-offs (x) | 4.4666% | 2,941 |
| Efficiency ratio | 76.6363% | 3,416 |
| Assets per employee ($millions) | 5.4882% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 3,110 |
| Loan loss allowance to noncurrent loans | 38.1898% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 2.7682% | 2,524 |
| Noncurrent loans to loans | 4.3041% | 1,677 |
| Net loans and leases to total assets | 58.8201% | 5,514 |
| Net loans and leases to deposits | 77.2575% | 4,515 |
| Net loans and leases to core deposits | 83.2408% | 5,797 |
| Total domestic deposits to total assets | 76.1351% | 6,653 |
| Equity capital to assets | 12.7920% | 1,599 |
| Core capital (leverage) ratio | 9.8089% | 3,311 |
| Tier 1 risk-based capital ratio | 16.7145% | 2,231 |
| Total risk-based capital ratio | 17.9771% | 2,193 |
| Memoranda: | ||
| Average total assets | $4,257,917,600 | 196 |
| Average earning assets | $3,818,843,200 | 195 |
| Average equity | $585,899,000 | 165 |
| Average total loans | $2,640,720,600 | 206 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 6,179 |
| Cost of funding earning assets | 1.8104% | 4,339 |
| Net interest margin | 3.3167% | 5,577 |
| Noninterest income to average assets | 0.5164% | 4,352 |
| Noninterest expense to average assets | 2.8081% | 4,863 |
| Loan and lease loss provision to assets | 0.3882% | 3,989 |
| Net operating income to assets | 0.2624% | 4,941 |
| Return on assets (ROA) | 0.4049% | 4,483 |
| Pretax return on assets | 0.4381% | 4,695 |
| Return on Equity (ROE) | 2.8857% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.8857% | 3,711 |
| Net charge-offs to loans | 0.3208% | 4,032 |
| Credit loss provision to net charge-offs | 193.1673% | 2,341 |
| Earnings coverage of net charge-offs (x) | 3.3413% | 3,569 |
| Efficiency ratio | 77.3372% | 3,269 |
| Assets per employee ($millions) | 5.1253% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 3,178 |
| Loan loss allowance to noncurrent loans | 35.4985% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 2.9041% | 2,386 |
| Noncurrent loans to loans | 4.3772% | 1,617 |
| Net loans and leases to total assets | 61.1526% | 5,396 |
| Net loans and leases to deposits | 81.6319% | 4,088 |
| Net loans and leases to core deposits | 88.6433% | 5,575 |
| Total domestic deposits to total assets | 74.9127% | 6,785 |
| Equity capital to assets | 13.4542% | 1,517 |
| Core capital (leverage) ratio | 10.5863% | 2,728 |
| Tier 1 risk-based capital ratio | 17.1456% | 2,234 |
| Total risk-based capital ratio | 18.4059% | 2,176 |
| Memoranda: | ||
| Average total assets | $4,156,164,250 | 211 |
| Average earning assets | $3,713,163,000 | 214 |
| Average equity | $583,189,000 | 170 |
| Average total loans | $2,603,458,000 | 218 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 6,155 |
| Cost of funding earning assets | 1.8992% | 4,272 |
| Net interest margin | 3.2783% | 5,631 |
| Noninterest income to average assets | 0.5389% | 4,116 |
| Noninterest expense to average assets | 2.8234% | 4,859 |
| Loan and lease loss provision to assets | 0.4969% | 3,054 |
| Net operating income to assets | 0.1730% | 5,343 |
| Return on assets (ROA) | 0.3523% | 4,783 |
| Pretax return on assets | 0.3382% | 5,103 |
| Return on Equity (ROE) | 2.4740% | 5,117 |
| Retained earnings to average equity (ytd only) | 2.4740% | 3,961 |
| Net charge-offs to loans | 0.2952% | 3,708 |
| Credit loss provision to net charge-offs | 267.9045% | 1,739 |
| Earnings coverage of net charge-offs (x) | 3.5355% | 3,402 |
| Efficiency ratio | 78.6318% | 3,248 |
| Assets per employee ($millions) | 4.8326% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 2,718 |
| Loan loss allowance to noncurrent loans | 53.9118% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.0981% | 3,061 |
| Noncurrent loans to loans | 2.9760% | 2,426 |
| Net loans and leases to total assets | 63.5774% | 5,066 |
| Net loans and leases to deposits | 86.2625% | 3,501 |
| Net loans and leases to core deposits | 93.9730% | 5,119 |
| Total domestic deposits to total assets | 73.7022% | 6,997 |
| Equity capital to assets | 13.9516% | 1,329 |
| Core capital (leverage) ratio | 10.8747% | 2,512 |
| Tier 1 risk-based capital ratio | 17.1377% | 2,260 |
| Total risk-based capital ratio | 18.3950% | 2,197 |
| Memoranda: | ||
| Average total assets | $4,065,467,330 | 216 |
| Average earning assets | $3,646,206,670 | 219 |
| Average equity | $578,990,000 | 174 |
| Average total loans | $2,554,365,330 | 229 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 5,916 |
| Cost of funding earning assets | 2.0172% | 4,048 |
| Net interest margin | 3.2770% | 5,587 |
| Noninterest income to average assets | 0.6174% | 3,423 |
| Noninterest expense to average assets | 2.8081% | 4,522 |
| Loan and lease loss provision to assets | 0.2990% | 3,554 |
| Net operating income to assets | 0.4420% | 4,681 |
| Return on assets (ROA) | 0.7250% | 3,640 |
| Pretax return on assets | 0.7224% | 4,347 |
| Return on Equity (ROE) | 5.0371% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.0371% | 3,106 |
| Net charge-offs to loans | 0.4120% | 2,453 |
| Credit loss provision to net charge-offs | 117.2333% | 3,330 |
| Earnings coverage of net charge-offs (x) | 2.8949% | 3,343 |
| Efficiency ratio | 76.6723% | 3,371 |
| Assets per employee ($millions) | 4.6741% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 3,154 |
| Loan loss allowance to noncurrent loans | 98.4551% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 4,494 |
| Noncurrent loans to loans | 1.4910% | 4,054 |
| Net loans and leases to total assets | 62.0718% | 5,309 |
| Net loans and leases to deposits | 84.8425% | 3,845 |
| Net loans and leases to core deposits | 93.2867% | 5,231 |
| Total domestic deposits to total assets | 73.1613% | 7,028 |
| Equity capital to assets | 14.4554% | 1,245 |
| Core capital (leverage) ratio | 11.1676% | 2,367 |
| Tier 1 risk-based capital ratio | 17.8816% | 2,089 |
| Total risk-based capital ratio | 19.1359% | 2,030 |
| Memoranda: | ||
| Average total assets | $4,012,955,000 | 220 |
| Average earning assets | $3,586,978,500 | 218 |
| Average equity | $577,559,000 | 169 |
| Average total loans | $2,484,186,000 | 237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 6,594 |
| Cost of funding earning assets | 2.3644% | 4,877 |
| Net interest margin | 3.3868% | 5,714 |
| Noninterest income to average assets | 0.6933% | 3,161 |
| Noninterest expense to average assets | 2.5887% | 5,691 |
| Loan and lease loss provision to assets | 0.5035% | 2,797 |
| Net operating income to assets | 0.5054% | 4,706 |
| Return on assets (ROA) | 0.5011% | 4,574 |
| Pretax return on assets | 0.6181% | 4,632 |
| Return on Equity (ROE) | 3.3405% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.3405% | 3,069 |
| Net charge-offs to loans | 0.2371% | 3,875 |
| Credit loss provision to net charge-offs | 354.0839% | 1,270 |
| Earnings coverage of net charge-offs (x) | 7.9238% | 2,990 |
| Efficiency ratio | 65.9336% | 5,138 |
| Assets per employee ($millions) | 4.6529% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 2,579 |
| Loan loss allowance to noncurrent loans | 97.8575% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 4,075 |
| Noncurrent loans to loans | 1.5556% | 3,460 |
| Net loans and leases to total assets | 59.8723% | 5,929 |
| Net loans and leases to deposits | 85.8822% | 4,134 |
| Net loans and leases to core deposits | 95.5856% | 5,290 |
| Total domestic deposits to total assets | 69.7144% | 7,311 |
| Equity capital to assets | 14.3285% | 1,342 |
| Core capital (leverage) ratio | 11.2421% | 2,403 |
| Tier 1 risk-based capital ratio | 17.7793% | 2,091 |
| Total risk-based capital ratio | 19.0336% | 2,032 |
| Memoranda: | ||
| Average total assets | $3,753,605,400 | 220 |
| Average earning assets | $3,349,619,400 | 221 |
| Average equity | $563,114,800 | 172 |
| Average total loans | $2,251,690,600 | 249 |