Home > Berkshire Bank > Performance and Condition Ratios
Berkshire Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1130% | 1,830 |
| Cost of funding earning assets | 1.7728% | 1,299 |
| Net interest margin | 3.3402% | 2,533 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4581% | 2,422 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.8067% | 2,849 |
| Return on assets (ROA) | 0.6281% | 3,346 |
| Pretax return on assets | 0.7198% | 3,393 |
| Return on Equity (ROE) | 7.6500% | 3,115 |
| Retained earnings to average equity (ytd only) | 1.4219% | 3,733 |
| Net charge-offs to loans | 0.2564% | 414 |
| Credit loss provision to net charge-offs | 142.1071% | 1,515 |
| Earnings coverage of net charge-offs (x) | 6.4264% | 2,468 |
| Efficiency ratio | 66.2091% | 2,328 |
| Assets per employee ($millions) | 9.2727% | 891 |
| Cash dividends to net income (ytd only)* | 81.4247% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 2,474 |
| Loan loss allowance to noncurrent loans | 391.0221% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 2,142 |
| Noncurrent loans to loans | 0.2980% | 2,114 |
| Net loans and leases to total assets | 71.9200% | 1,591 |
| Net loans and leases to deposits | 83.2338% | 1,837 |
| Net loans and leases to core deposits | 93.8015% | 1,787 |
| Total domestic deposits to total assets | 86.4100% | 1,888 |
| Equity capital to assets | 8.2885% | 3,211 |
| Core capital (leverage) ratio | 9.6112% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2865% | 2,141 |
| Memoranda: | ||
| Average total assets | $12,122,979,400 | 144 |
| Average earning assets | $11,270,299,400 | 140 |
| Average equity | $994,723,800 | 167 |
| Average total loans | $8,788,649,400 | 137 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 1,691 |
| Cost of funding earning assets | 1.6625% | 1,252 |
| Net interest margin | 3.4084% | 2,432 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.4347% | 2,424 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.8448% | 2,878 |
| Return on assets (ROA) | 0.8398% | 2,879 |
| Pretax return on assets | 1.0056% | 2,844 |
| Return on Equity (ROE) | 10.2600% | 2,569 |
| Retained earnings to average equity (ytd only) | 3.5006% | 3,385 |
| Net charge-offs to loans | 0.2766% | 311 |
| Credit loss provision to net charge-offs | 138.2528% | 1,371 |
| Earnings coverage of net charge-offs (x) | 6.4533% | 2,290 |
| Efficiency ratio | 64.2481% | 2,470 |
| Assets per employee ($millions) | 9.1160% | 892 |
| Cash dividends to net income (ytd only)* | 65.8883% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,654 |
| Loan loss allowance to noncurrent loans | 317.4552% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 1,934 |
| Noncurrent loans to loans | 0.3603% | 1,938 |
| Net loans and leases to total assets | 73.2200% | 1,444 |
| Net loans and leases to deposits | 88.0804% | 1,378 |
| Net loans and leases to core deposits | 98.8025% | 1,394 |
| Total domestic deposits to total assets | 83.1300% | 2,989 |
| Equity capital to assets | 7.9480% | 3,086 |
| Core capital (leverage) ratio | 9.7090% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4144% | 2,110 |
| Memoranda: | ||
| Average total assets | $12,047,368,000 | 145 |
| Average earning assets | $11,193,760,500 | 141 |
| Average equity | $985,934,000 | 168 |
| Average total loans | $8,725,331,000 | 137 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 1,606 |
| Cost of funding earning assets | 1.4997% | 1,243 |
| Net interest margin | 3.4719% | 2,338 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.4070% | 2,462 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.9076% | 2,732 |
| Return on assets (ROA) | 0.9078% | 2,714 |
| Pretax return on assets | 1.0840% | 2,681 |
| Return on Equity (ROE) | 10.9900% | 2,424 |
| Retained earnings to average equity (ytd only) | 5.9511% | 2,641 |
| Net charge-offs to loans | 0.2933% | 286 |
| Credit loss provision to net charge-offs | 134.3358% | 1,267 |
| Earnings coverage of net charge-offs (x) | 6.4904% | 2,121 |
| Efficiency ratio | 62.6938% | 2,626 |
| Assets per employee ($millions) | 9.0998% | 882 |
| Cash dividends to net income (ytd only)* | 45.8287% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,807 |
| Loan loss allowance to noncurrent loans | 276.8481% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 1,718 |
| Noncurrent loans to loans | 0.4071% | 1,711 |
| Net loans and leases to total assets | 72.7400% | 1,443 |
| Net loans and leases to deposits | 86.5020% | 1,461 |
| Net loans and leases to core deposits | 96.6671% | 1,429 |
| Total domestic deposits to total assets | 84.1000% | 2,801 |
| Equity capital to assets | 8.2561% | 3,050 |
| Core capital (leverage) ratio | 9.5787% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3582% | 2,155 |
| Memoranda: | ||
| Average total assets | $12,018,698,667 | 142 |
| Average earning assets | $11,172,159,667 | 137 |
| Average equity | $993,125,000 | 164 |
| Average total loans | $8,638,201,667 | 135 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 1,737 |
| Cost of funding earning assets | 1.1832% | 1,496 |
| Net interest margin | 3.5670% | 2,204 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.3882% | 2,566 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 0.9608% | 2,650 |
| Return on assets (ROA) | 0.9668% | 2,593 |
| Pretax return on assets | 1.1680% | 2,519 |
| Return on Equity (ROE) | 11.7000% | 2,295 |
| Retained earnings to average equity (ytd only) | 1.6027% | 3,767 |
| Net charge-offs to loans | 0.3241% | 245 |
| Credit loss provision to net charge-offs | 130.7670% | 1,003 |
| Earnings coverage of net charge-offs (x) | 6.3619% | 1,784 |
| Efficiency ratio | 60.9468% | 2,835 |
| Assets per employee ($millions) | 9.2731% | 847 |
| Cash dividends to net income (ytd only)* | 86.2962% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 2,912 |
| Loan loss allowance to noncurrent loans | 288.8119% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 1,765 |
| Noncurrent loans to loans | 0.3907% | 1,758 |
| Net loans and leases to total assets | 69.7200% | 1,653 |
| Net loans and leases to deposits | 84.3509% | 1,473 |
| Net loans and leases to core deposits | 92.0891% | 1,499 |
| Total domestic deposits to total assets | 82.6600% | 3,363 |
| Equity capital to assets | 8.1435% | 3,144 |
| Core capital (leverage) ratio | 9.7764% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1918% | 2,308 |
| Memoranda: | ||
| Average total assets | $11,985,764,000 | 144 |
| Average earning assets | $11,140,937,500 | 140 |
| Average equity | $990,833,500 | 167 |
| Average total loans | $8,511,747,500 | 139 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 2,862 |
| Cost of funding earning assets | 0.3207% | 2,720 |
| Net interest margin | 3.2565% | 2,684 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.4380% | 2,308 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.8709% | 3,078 |
| Return on assets (ROA) | 0.8574% | 3,057 |
| Pretax return on assets | 1.0627% | 2,886 |
| Return on Equity (ROE) | 9.6500% | 2,919 |
| Retained earnings to average equity (ytd only) | -0.7954% | 4,432 |
| Net charge-offs to loans | 0.2728% | 285 |
| Credit loss provision to net charge-offs | 52.8554% | 1,808 |
| Earnings coverage of net charge-offs (x) | 6.6298% | 2,329 |
| Efficiency ratio | 66.0349% | 2,226 |
| Assets per employee ($millions) | 8.8984% | 951 |
| Cash dividends to net income (ytd only)* | 108.2414% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 2,619 |
| Loan loss allowance to noncurrent loans | 252.3328% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 1,542 |
| Noncurrent loans to loans | 0.4575% | 1,564 |
| Net loans and leases to total assets | 70.7200% | 1,560 |
| Net loans and leases to deposits | 79.0976% | 1,835 |
| Net loans and leases to core deposits | 83.6127% | 1,896 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 8.3969% | 2,775 |
| Core capital (leverage) ratio | 10.2009% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5626% | 2,148 |
| Memoranda: | ||
| Average total assets | $11,637,133,800 | 148 |
| Average earning assets | $10,824,890,600 | 144 |
| Average equity | $1,033,843,000 | 164 |
| Average total loans | $7,638,264,000 | 146 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2734% | 3,254 |
| Cost of funding earning assets | 0.2117% | 3,126 |
| Net interest margin | 3.0617% | 3,049 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.4675% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7938% | 3,289 |
| Return on assets (ROA) | 0.7756% | 3,288 |
| Pretax return on assets | 0.9831% | 3,065 |
| Return on Equity (ROE) | 8.6100% | 3,139 |
| Retained earnings to average equity (ytd only) | -5.1330% | 4,606 |
| Net charge-offs to loans | 0.1624% | 401 |
| Credit loss provision to net charge-offs | -10.8899% | 4,611 |
| Earnings coverage of net charge-offs (x) | 9.6220% | 2,018 |
| Efficiency ratio | 69.8328% | 1,783 |
| Assets per employee ($millions) | 8.7006% | 992 |
| Cash dividends to net income (ytd only)* | 159.6004% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,483 |
| Loan loss allowance to noncurrent loans | 217.5242% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 1,390 |
| Noncurrent loans to loans | 0.5554% | 1,431 |
| Net loans and leases to total assets | 69.4200% | 1,535 |
| Net loans and leases to deposits | 77.6415% | 1,749 |
| Net loans and leases to core deposits | 82.0515% | 1,761 |
| Total domestic deposits to total assets | 89.4100% | 1,914 |
| Equity capital to assets | 8.2854% | 2,693 |
| Core capital (leverage) ratio | 9.8870% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6451% | 2,206 |
| Memoranda: | ||
| Average total assets | $11,632,202,250 | 148 |
| Average earning assets | $10,828,734,250 | 143 |
| Average equity | $1,047,599,750 | 165 |
| Average total loans | $7,462,924,750 | 147 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9657% | 3,641 |
| Cost of funding earning assets | 0.1618% | 3,420 |
| Net interest margin | 2.8039% | 3,434 |
| Noninterest income to average assets | 0.6397% | 1,584 |
| Noninterest expense to average assets | 2.3030% | 2,544 |
| Loan and lease loss provision to assets | -0.0681% | 4,550 |
| Net operating income to assets | 0.8052% | 2,935 |
| Return on assets (ROA) | 0.7878% | 2,971 |
| Pretax return on assets | 0.9952% | 2,753 |
| Return on Equity (ROE) | 8.5281% | 2,857 |
| Retained earnings to average equity (ytd only) | -2.1689% | 4,395 |
| Net charge-offs to loans | 0.0844% | 650 |
| Credit loss provision to net charge-offs | -129.4194% | 3,149 |
| Earnings coverage of net charge-offs (x) | 18.0704% | 1,593 |
| Efficiency ratio | 69.4674% | 2,034 |
| Assets per employee ($millions) | 8.7568% | 969 |
| Cash dividends to net income (ytd only)* | 125.4325% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,335 |
| Loan loss allowance to noncurrent loans | 294.3199% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 1,842 |
| Noncurrent loans to loans | 0.4311% | 1,831 |
| Net loans and leases to total assets | 66.5612% | 1,625 |
| Net loans and leases to deposits | 74.8612% | 1,771 |
| Net loans and leases to core deposits | 78.5494% | 1,814 |
| Total domestic deposits to total assets | 88.9128% | 2,222 |
| Equity capital to assets | 8.8896% | 2,460 |
| Core capital (leverage) ratio | 10.1578% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0793% | 2,028 |
| Memoranda: | ||
| Average total assets | $11,739,363,667 | 145 |
| Average earning assets | $10,937,986,333 | 142 |
| Average equity | $1,084,420,000 | 162 |
| Average total loans | $7,301,364,333 | 148 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7117% | 3,926 |
| Cost of funding earning assets | 0.1578% | 3,402 |
| Net interest margin | 2.5539% | 3,779 |
| Noninterest income to average assets | 0.7105% | 1,281 |
| Noninterest expense to average assets | 2.2888% | 2,543 |
| Loan and lease loss provision to assets | -0.1354% | 4,632 |
| Net operating income to assets | 0.7504% | 2,853 |
| Return on assets (ROA) | 0.7305% | 2,922 |
| Pretax return on assets | 0.9167% | 2,714 |
| Return on Equity (ROE) | 7.7649% | 2,774 |
| Retained earnings to average equity (ytd only) | -10.2194% | 4,566 |
| Net charge-offs to loans | 0.1489% | 390 |
| Credit loss provision to net charge-offs | -152.1524% | 2,935 |
| Earnings coverage of net charge-offs (x) | 9.0758% | 1,497 |
| Efficiency ratio | 72.5463% | 1,905 |
| Assets per employee ($millions) | 9.0719% | 887 |
| Cash dividends to net income (ytd only)* | 231.6102% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 2,034 |
| Loan loss allowance to noncurrent loans | 274.0887% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 1,918 |
| Noncurrent loans to loans | 0.4994% | 1,776 |
| Net loans and leases to total assets | 59.2761% | 2,154 |
| Net loans and leases to deposits | 66.1998% | 2,322 |
| Net loans and leases to core deposits | 69.5802% | 2,327 |
| Total domestic deposits to total assets | 89.5412% | 1,793 |
| Equity capital to assets | 8.7635% | 2,917 |
| Core capital (leverage) ratio | 9.8098% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5041% | 1,989 |
| Memoranda: | ||
| Average total assets | $11,820,770,000 | 145 |
| Average earning assets | $11,036,572,000 | 143 |
| Average equity | $1,112,076,000 | 162 |
| Average total loans | $7,049,790,000 | 153 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8823% | 4,088 |
| Cost of funding earning assets | 0.2801% | 2,603 |
| Net interest margin | 2.6021% | 4,045 |
| Noninterest income to average assets | 0.7825% | 1,499 |
| Noninterest expense to average assets | 2.2567% | 2,925 |
| Loan and lease loss provision to assets | -0.0041% | 4,147 |
| Net operating income to assets | 0.7763% | 3,403 |
| Return on assets (ROA) | 0.7733% | 3,478 |
| Pretax return on assets | 0.9510% | 3,375 |
| Return on Equity (ROE) | 8.1377% | 3,177 |
| Retained earnings to average equity (ytd only) | 0.9229% | 4,276 |
| Net charge-offs to loans | 0.2759% | 321 |
| Credit loss provision to net charge-offs | -2.4195% | 3,151 |
| Earnings coverage of net charge-offs (x) | 5.6244% | 2,435 |
| Efficiency ratio | 69.0368% | 1,855 |
| Assets per employee ($millions) | 8.7557% | 994 |
| Cash dividends to net income (ytd only)* | 88.6590% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,381 |
| Loan loss allowance to noncurrent loans | 274.8834% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 1,900 |
| Noncurrent loans to loans | 0.5649% | 1,724 |
| Net loans and leases to total assets | 58.2390% | 2,350 |
| Net loans and leases to deposits | 66.0550% | 2,508 |
| Net loans and leases to core deposits | 70.3369% | 2,410 |
| Total domestic deposits to total assets | 88.1673% | 1,948 |
| Equity capital to assets | 10.0824% | 2,581 |
| Core capital (leverage) ratio | 10.1329% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8680% | 1,558 |
| Memoranda: | ||
| Average total assets | $12,251,435,800 | 139 |
| Average earning assets | $11,416,458,800 | 138 |
| Average equity | $1,164,270,800 | 156 |
| Average total loans | $7,505,342,200 | 149 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9165% | 4,142 |
| Cost of funding earning assets | 0.3105% | 2,494 |
| Net interest margin | 2.6060% | 4,121 |
| Noninterest income to average assets | 0.8237% | 1,460 |
| Noninterest expense to average assets | 2.2419% | 2,920 |
| Loan and lease loss provision to assets | 0.0268% | 2,462 |
| Net operating income to assets | 0.7933% | 3,538 |
| Return on assets (ROA) | 0.7907% | 3,616 |
| Pretax return on assets | 0.9791% | 3,524 |
| Return on Equity (ROE) | 8.4402% | 3,272 |
| Retained earnings to average equity (ytd only) | -0.2634% | 4,594 |
| Net charge-offs to loans | 0.2930% | 276 |
| Credit loss provision to net charge-offs | 14.6991% | 2,011 |
| Earnings coverage of net charge-offs (x) | 5.5771% | 2,220 |
| Efficiency ratio | 67.6685% | 1,874 |
| Assets per employee ($millions) | 8.8943% | 926 |
| Cash dividends to net income (ytd only)* | 103.1208% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 1,225 |
| Loan loss allowance to noncurrent loans | 275.7344% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 2,059 |
| Noncurrent loans to loans | 0.5986% | 1,817 |
| Net loans and leases to total assets | 56.7516% | 2,644 |
| Net loans and leases to deposits | 64.1575% | 2,836 |
| Net loans and leases to core deposits | 68.9595% | 2,691 |
| Total domestic deposits to total assets | 88.4567% | 1,594 |
| Equity capital to assets | 9.7964% | 3,106 |
| Core capital (leverage) ratio | 9.6163% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2237% | 1,564 |
| Memoranda: | ||
| Average total assets | $12,427,112,250 | 138 |
| Average earning assets | $11,574,982,000 | 138 |
| Average equity | $1,164,240,000 | 155 |
| Average total loans | $7,673,688,500 | 148 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9509% | 4,137 |
| Cost of funding earning assets | 0.3419% | 2,387 |
| Net interest margin | 2.6090% | 4,149 |
| Noninterest income to average assets | 0.6692% | 1,931 |
| Noninterest expense to average assets | 2.2436% | 2,945 |
| Loan and lease loss provision to assets | 0.1030% | 1,227 |
| Net operating income to assets | 0.5780% | 4,026 |
| Return on assets (ROA) | 0.5754% | 4,087 |
| Pretax return on assets | 0.7510% | 3,970 |
| Return on Equity (ROE) | 6.2311% | 3,848 |
| Retained earnings to average equity (ytd only) | -6.8143% | 4,826 |
| Net charge-offs to loans | 0.3706% | 230 |
| Credit loss provision to net charge-offs | 43.9452% | 1,636 |
| Earnings coverage of net charge-offs (x) | 3.6713% | 2,062 |
| Efficiency ratio | 71.0151% | 1,525 |
| Assets per employee ($millions) | 8.9669% | 870 |
| Cash dividends to net income (ytd only)* | 209.3606% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,301 |
| Loan loss allowance to noncurrent loans | 221.0413% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,868 |
| Noncurrent loans to loans | 0.7188% | 1,644 |
| Net loans and leases to total assets | 60.1101% | 2,413 |
| Net loans and leases to deposits | 68.9711% | 2,521 |
| Net loans and leases to core deposits | 74.7981% | 2,349 |
| Total domestic deposits to total assets | 87.1526% | 2,236 |
| Equity capital to assets | 9.2126% | 3,595 |
| Core capital (leverage) ratio | 8.9087% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9723% | 1,984 |
| Memoranda: | ||
| Average total assets | $12,617,467,333 | 136 |
| Average earning assets | $11,759,962,000 | 138 |
| Average equity | $1,165,163,667 | 153 |
| Average total loans | $7,951,114,333 | 143 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9572% | 4,175 |
| Cost of funding earning assets | 0.3890% | 2,186 |
| Net interest margin | 2.5682% | 4,208 |
| Noninterest income to average assets | 0.7118% | 1,842 |
| Noninterest expense to average assets | 2.3473% | 2,657 |
| Loan and lease loss provision to assets | 0.2032% | 596 |
| Net operating income to assets | 0.4334% | 4,301 |
| Return on assets (ROA) | 0.4305% | 4,343 |
| Pretax return on assets | 0.5512% | 4,270 |
| Return on Equity (ROE) | 4.6561% | 4,159 |
| Retained earnings to average equity (ytd only) | 1.9504% | 4,016 |
| Net charge-offs to loans | 0.4887% | 169 |
| Credit loss provision to net charge-offs | 64.9625% | 1,262 |
| Earnings coverage of net charge-offs (x) | 2.4258% | 1,808 |
| Efficiency ratio | 74.2597% | 1,288 |
| Assets per employee ($millions) | 9.0201% | 821 |
| Cash dividends to net income (ytd only)* | 58.1100% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,408 |
| Loan loss allowance to noncurrent loans | 189.4009% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 1,843 |
| Noncurrent loans to loans | 0.8211% | 1,627 |
| Net loans and leases to total assets | 61.4465% | 2,342 |
| Net loans and leases to deposits | 71.3413% | 2,383 |
| Net loans and leases to core deposits | 78.1010% | 2,178 |
| Total domestic deposits to total assets | 86.1303% | 2,690 |
| Equity capital to assets | 9.2106% | 3,487 |
| Core capital (leverage) ratio | 9.2536% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3957% | 1,772 |
| Memoranda: | ||
| Average total assets | $12,792,862,500 | 137 |
| Average earning assets | $11,923,437,500 | 135 |
| Average equity | $1,182,702,500 | 151 |
| Average total loans | $8,180,395,000 | 141 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 4,084 |
| Cost of funding earning assets | 0.7363% | 1,531 |
| Net interest margin | 2.7308% | 4,343 |
| Noninterest income to average assets | 0.4571% | 2,836 |
| Noninterest expense to average assets | 6.2151% | 120 |
| Loan and lease loss provision to assets | 0.5857% | 353 |
| Net operating income to assets | -3.7347% | 4,982 |
| Return on assets (ROA) | -3.9199% | 4,983 |
| Pretax return on assets | -4.0391% | 4,983 |
| Return on Equity (ROE) | -36.5717% | 4,994 |
| Retained earnings to average equity (ytd only) | -39.7258% | 4,986 |
| Net charge-offs to loans | 0.5410% | 283 |
| Credit loss provision to net charge-offs | 153.0352% | 2,409 |
| Earnings coverage of net charge-offs (x) | -8.5148% | 3,398 |
| Efficiency ratio | 70.2957% | 1,910 |
| Assets per employee ($millions) | 8.8492% | 781 |
| Cash dividends to net income (ytd only)* | -8.6244% | 4,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,532 |
| Loan loss allowance to noncurrent loans | 158.6258% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 1,682 |
| Noncurrent loans to loans | 0.9554% | 1,481 |
| Net loans and leases to total assets | 64.4716% | 2,301 |
| Net loans and leases to deposits | 75.7276% | 2,310 |
| Net loans and leases to core deposits | 84.7844% | 1,965 |
| Total domestic deposits to total assets | 85.1361% | 2,706 |
| Equity capital to assets | 9.2792% | 3,812 |
| Core capital (leverage) ratio | 9.2309% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9923% | 1,849 |
| Memoranda: | ||
| Average total assets | $12,956,145,000 | 128 |
| Average earning assets | $11,817,040,800 | 129 |
| Average equity | $1,388,673,600 | 139 |
| Average total loans | $9,189,491,200 | 128 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 4,027 |
| Cost of funding earning assets | 0.8150% | 1,418 |
| Net interest margin | 2.7769% | 4,372 |
| Noninterest income to average assets | 0.4313% | 2,929 |
| Noninterest expense to average assets | 7.5603% | 102 |
| Loan and lease loss provision to assets | 0.6763% | 331 |
| Net operating income to assets | -5.1460% | 5,014 |
| Return on assets (ROA) | -5.3684% | 5,015 |
| Pretax return on assets | -5.5088% | 5,016 |
| Return on Equity (ROE) | -48.4785% | 5,024 |
| Retained earnings to average equity (ytd only) | -52.5390% | 5,017 |
| Net charge-offs to loans | 0.4632% | 324 |
| Credit loss provision to net charge-offs | 202.6585% | 2,109 |
| Earnings coverage of net charge-offs (x) | -13.7644% | 3,205 |
| Efficiency ratio | 69.9626% | 1,893 |
| Assets per employee ($millions) | 8.5593% | 822 |
| Cash dividends to net income (ytd only)* | -8.3761% | 4,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 1,399 |
| Loan loss allowance to noncurrent loans | 223.0345% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 2,278 |
| Noncurrent loans to loans | 0.6696% | 2,110 |
| Net loans and leases to total assets | 70.3177% | 1,903 |
| Net loans and leases to deposits | 83.9424% | 1,918 |
| Net loans and leases to core deposits | 96.9708% | 1,383 |
| Total domestic deposits to total assets | 83.7690% | 2,903 |
| Equity capital to assets | 9.3268% | 3,838 |
| Core capital (leverage) ratio | 8.9630% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2842% | 2,073 |
| Memoranda: | ||
| Average total assets | $12,987,347,000 | 127 |
| Average earning assets | $11,789,241,750 | 127 |
| Average equity | $1,438,181,000 | 133 |
| Average total loans | $9,386,897,500 | 126 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,050 |
| Cost of funding earning assets | 0.8924% | 1,409 |
| Net interest margin | 2.8234% | 4,411 |
| Noninterest income to average assets | 0.3655% | 3,293 |
| Noninterest expense to average assets | 10.1726% | 71 |
| Loan and lease loss provision to assets | 0.9864% | 213 |
| Net operating income to assets | -8.0320% | 5,056 |
| Return on assets (ROA) | -8.3221% | 5,057 |
| Pretax return on assets | -8.5383% | 5,057 |
| Return on Equity (ROE) | -71.5357% | 5,061 |
| Retained earnings to average equity (ytd only) | -77.2777% | 5,055 |
| Net charge-offs to loans | 0.3045% | 525 |
| Credit loss provision to net charge-offs | 447.7466% | 1,308 |
| Earnings coverage of net charge-offs (x) | -32.8523% | 3,009 |
| Efficiency ratio | 69.7780% | 1,987 |
| Assets per employee ($millions) | 8.7681% | 731 |
| Cash dividends to net income (ytd only)* | -8.0267% | 5,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 1,343 |
| Loan loss allowance to noncurrent loans | 240.5875% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 2,529 |
| Noncurrent loans to loans | 0.6136% | 2,323 |
| Net loans and leases to total assets | 71.2588% | 1,835 |
| Net loans and leases to deposits | 85.4161% | 1,833 |
| Net loans and leases to core deposits | 101.3395% | 1,164 |
| Total domestic deposits to total assets | 83.4255% | 2,950 |
| Equity capital to assets | 8.8328% | 4,231 |
| Core capital (leverage) ratio | 8.3061% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6763% | 2,327 |
| Memoranda: | ||
| Average total assets | $13,113,861,667 | 125 |
| Average earning assets | $11,833,022,667 | 125 |
| Average equity | $1,525,606,667 | 131 |
| Average total loans | $9,515,886,000 | 120 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,928 |
| Cost of funding earning assets | 0.9596% | 1,609 |
| Net interest margin | 2.9907% | 4,292 |
| Noninterest income to average assets | 0.3207% | 3,599 |
| Noninterest expense to average assets | 2.0806% | 4,261 |
| Loan and lease loss provision to assets | 1.0553% | 198 |
| Net operating income to assets | -0.1337% | 4,817 |
| Return on assets (ROA) | -0.5239% | 4,908 |
| Pretax return on assets | -0.5558% | 4,897 |
| Return on Equity (ROE) | -4.0485% | 4,899 |
| Retained earnings to average equity (ytd only) | -14.3102% | 4,881 |
| Net charge-offs to loans | 0.4386% | 332 |
| Credit loss provision to net charge-offs | 333.9221% | 1,097 |
| Earnings coverage of net charge-offs (x) | 2.8557% | 2,248 |
| Efficiency ratio | 68.0405% | 2,660 |
| Assets per employee ($millions) | 9.0689% | 524 |
| Cash dividends to net income (ytd only)* | -253.4722% | 5,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,652 |
| Loan loss allowance to noncurrent loans | 202.0902% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 2,763 |
| Noncurrent loans to loans | 0.5954% | 2,512 |
| Net loans and leases to total assets | 70.5800% | 2,155 |
| Net loans and leases to deposits | 91.5042% | 1,340 |
| Net loans and leases to core deposits | 109.6669% | 863 |
| Total domestic deposits to total assets | 77.1331% | 4,335 |
| Equity capital to assets | 12.6393% | 1,651 |
| Core capital (leverage) ratio | 8.8908% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5098% | 2,926 |
| Memoranda: | ||
| Average total assets | $13,192,886,500 | 120 |
| Average earning assets | $11,763,911,000 | 121 |
| Average equity | $1,707,316,000 | 121 |
| Average total loans | $9,552,449,500 | 116 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 3,284 |
| Cost of funding earning assets | 1.1892% | 1,048 |
| Net interest margin | 3.1996% | 4,185 |
| Noninterest income to average assets | 0.5217% | 2,618 |
| Noninterest expense to average assets | 2.1496% | 4,272 |
| Loan and lease loss provision to assets | 0.2739% | 651 |
| Net operating income to assets | 0.7914% | 3,581 |
| Return on assets (ROA) | 0.7819% | 3,687 |
| Pretax return on assets | 0.9644% | 3,560 |
| Return on Equity (ROE) | 6.0275% | 3,909 |
| Retained earnings to average equity (ytd only) | -0.0358% | 4,706 |
| Net charge-offs to loans | 0.3446% | 588 |
| Credit loss provision to net charge-offs | 106.3219% | 2,334 |
| Earnings coverage of net charge-offs (x) | 4.8245% | 3,165 |
| Efficiency ratio | 62.0432% | 3,375 |
| Assets per employee ($millions) | 7.7492% | 782 |
| Cash dividends to net income (ytd only)* | 100.5935% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6573% | 4,635 |
| Loan loss allowance to noncurrent loans | 95.0953% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 2,336 |
| Noncurrent loans to loans | 0.6912% | 2,157 |
| Net loans and leases to total assets | 72.8919% | 1,935 |
| Net loans and leases to deposits | 92.2376% | 1,341 |
| Net loans and leases to core deposits | 112.2589% | 744 |
| Total domestic deposits to total assets | 79.0262% | 4,180 |
| Equity capital to assets | 13.2436% | 1,396 |
| Core capital (leverage) ratio | 9.1355% | 4,417 |
| Tier 1 risk-based capital ratio | 12.1616% | 4,268 |
| Total risk-based capital ratio | 12.8245% | 4,474 |
| Memoranda: | ||
| Average total assets | $12,929,845,600 | 119 |
| Average earning assets | $11,601,801,800 | 118 |
| Average equity | $1,677,313,600 | 119 |
| Average total loans | $9,668,518,000 | 111 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 3,267 |
| Cost of funding earning assets | 1.2172% | 993 |
| Net interest margin | 3.2125% | 4,269 |
| Noninterest income to average assets | 0.5029% | 2,716 |
| Noninterest expense to average assets | 2.1751% | 4,225 |
| Loan and lease loss provision to assets | 0.3116% | 466 |
| Net operating income to assets | 0.7282% | 3,915 |
| Return on assets (ROA) | 0.7764% | 3,822 |
| Pretax return on assets | 0.9532% | 3,727 |
| Return on Equity (ROE) | 6.0170% | 4,042 |
| Retained earnings to average equity (ytd only) | 0.8612% | 4,599 |
| Net charge-offs to loans | 0.4042% | 415 |
| Credit loss provision to net charge-offs | 102.5966% | 2,199 |
| Earnings coverage of net charge-offs (x) | 3.9915% | 3,055 |
| Efficiency ratio | 62.9291% | 3,176 |
| Assets per employee ($millions) | 7.7972% | 746 |
| Cash dividends to net income (ytd only)* | 85.6880% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 4,787 |
| Loan loss allowance to noncurrent loans | 97.0872% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 2,629 |
| Noncurrent loans to loans | 0.6326% | 2,388 |
| Net loans and leases to total assets | 74.5700% | 1,707 |
| Net loans and leases to deposits | 95.8874% | 1,027 |
| Net loans and leases to core deposits | 120.6038% | 518 |
| Total domestic deposits to total assets | 77.7683% | 4,395 |
| Equity capital to assets | 13.0271% | 1,607 |
| Core capital (leverage) ratio | 9.1343% | 4,532 |
| Tier 1 risk-based capital ratio | 11.5582% | 4,642 |
| Total risk-based capital ratio | 12.1696% | 4,832 |
| Memoranda: | ||
| Average total assets | $12,866,957,250 | 119 |
| Average earning assets | $11,552,702,000 | 118 |
| Average equity | $1,660,218,500 | 119 |
| Average total loans | $9,667,710,750 | 112 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 3,348 |
| Cost of funding earning assets | 1.2337% | 903 |
| Net interest margin | 3.1617% | 4,438 |
| Noninterest income to average assets | 0.4810% | 2,776 |
| Noninterest expense to average assets | 2.2456% | 4,138 |
| Loan and lease loss provision to assets | 0.1180% | 1,588 |
| Net operating income to assets | 0.7684% | 3,761 |
| Return on assets (ROA) | 0.8101% | 3,674 |
| Pretax return on assets | 1.0105% | 3,510 |
| Return on Equity (ROE) | 6.3000% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.0429% | 3,700 |
| Net charge-offs to loans | 0.1426% | 1,081 |
| Credit loss provision to net charge-offs | 110.1312% | 1,844 |
| Earnings coverage of net charge-offs (x) | 10.0748% | 2,294 |
| Efficiency ratio | 66.2581% | 2,780 |
| Assets per employee ($millions) | 6.8959% | 1,051 |
| Cash dividends to net income (ytd only)* | 51.7003% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 4,869 |
| Loan loss allowance to noncurrent loans | 98.2253% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 2,669 |
| Noncurrent loans to loans | 0.6138% | 2,421 |
| Net loans and leases to total assets | 75.2027% | 1,687 |
| Net loans and leases to deposits | 96.2857% | 1,009 |
| Net loans and leases to core deposits | 126.7222% | 377 |
| Total domestic deposits to total assets | 78.1037% | 4,376 |
| Equity capital to assets | 12.9949% | 1,590 |
| Core capital (leverage) ratio | 9.6835% | 3,950 |
| Tier 1 risk-based capital ratio | 11.5219% | 4,672 |
| Total risk-based capital ratio | 12.1268% | 4,880 |
| Memoranda: | ||
| Average total assets | $12,654,345,670 | 121 |
| Average earning assets | $11,384,012,000 | 120 |
| Average equity | $1,627,198,330 | 123 |
| Average total loans | $9,512,698,670 | 113 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 3,167 |
| Cost of funding earning assets | 1.2458% | 780 |
| Net interest margin | 3.1702% | 4,456 |
| Noninterest income to average assets | 0.5245% | 2,414 |
| Noninterest expense to average assets | 2.2781% | 4,081 |
| Loan and lease loss provision to assets | 0.1315% | 1,326 |
| Net operating income to assets | 0.7546% | 3,761 |
| Return on assets (ROA) | 0.7895% | 3,708 |
| Pretax return on assets | 1.0208% | 3,377 |
| Return on Equity (ROE) | 6.1765% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.0906% | 3,698 |
| Net charge-offs to loans | 0.1506% | 873 |
| Credit loss provision to net charge-offs | 116.5793% | 1,441 |
| Earnings coverage of net charge-offs (x) | 9.7733% | 1,998 |
| Efficiency ratio | 66.2184% | 2,915 |
| Assets per employee ($millions) | 6.6423% | 1,176 |
| Cash dividends to net income (ytd only)* | 49.9625% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,801 |
| Loan loss allowance to noncurrent loans | 120.3383% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 2,839 |
| Noncurrent loans to loans | 0.5672% | 2,627 |
| Net loans and leases to total assets | 74.3042% | 1,749 |
| Net loans and leases to deposits | 97.6478% | 822 |
| Net loans and leases to core deposits | 124.3045% | 417 |
| Total domestic deposits to total assets | 76.0941% | 4,750 |
| Equity capital to assets | 12.8868% | 1,518 |
| Core capital (leverage) ratio | 8.9921% | 4,660 |
| Tier 1 risk-based capital ratio | 11.6297% | 4,671 |
| Total risk-based capital ratio | 12.2252% | 4,893 |
| Memoranda: | ||
| Average total assets | $12,168,356,000 | 126 |
| Average earning assets | $10,962,938,500 | 124 |
| Average equity | $1,555,436,500 | 126 |
| Average total loans | $9,114,287,500 | 117 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,689 |
| Cost of funding earning assets | 1.0071% | 732 |
| Net interest margin | 3.4158% | 3,959 |
| Noninterest income to average assets | 0.8553% | 1,298 |
| Noninterest expense to average assets | 2.5305% | 3,522 |
| Loan and lease loss provision to assets | 0.2154% | 845 |
| Net operating income to assets | 0.9473% | 3,245 |
| Return on assets (ROA) | 0.9299% | 3,323 |
| Pretax return on assets | 1.1648% | 3,042 |
| Return on Equity (ROE) | 7.4160% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.3457% | 3,151 |
| Net charge-offs to loans | 0.1800% | 1,063 |
| Credit loss provision to net charge-offs | 160.9193% | 1,726 |
| Earnings coverage of net charge-offs (x) | 10.4746% | 2,715 |
| Efficiency ratio | 63.2888% | 3,287 |
| Assets per employee ($millions) | 6.5774% | 1,181 |
| Cash dividends to net income (ytd only)* | 41.4017% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 4,862 |
| Loan loss allowance to noncurrent loans | 117.9465% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 2,804 |
| Noncurrent loans to loans | 0.5702% | 2,566 |
| Net loans and leases to total assets | 74.4836% | 1,845 |
| Net loans and leases to deposits | 100.2243% | 726 |
| Net loans and leases to core deposits | 127.1751% | 372 |
| Total domestic deposits to total assets | 74.3169% | 4,924 |
| Equity capital to assets | 12.6788% | 1,496 |
| Core capital (leverage) ratio | 9.0363% | 4,619 |
| Tier 1 risk-based capital ratio | 11.5743% | 4,683 |
| Total risk-based capital ratio | 12.2108% | 4,884 |
| Memoranda: | ||
| Average total assets | $11,817,761,400 | 121 |
| Average earning assets | $10,645,437,400 | 120 |
| Average equity | $1,481,912,000 | 125 |
| Average total loans | $8,784,520,200 | 117 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 2,839 |
| Cost of funding earning assets | 0.9380% | 782 |
| Net interest margin | 3.3951% | 4,020 |
| Noninterest income to average assets | 0.9111% | 1,167 |
| Noninterest expense to average assets | 2.4139% | 3,823 |
| Loan and lease loss provision to assets | 0.2130% | 788 |
| Net operating income to assets | 1.0687% | 2,788 |
| Return on assets (ROA) | 1.0681% | 2,806 |
| Pretax return on assets | 1.3399% | 2,468 |
| Return on Equity (ROE) | 8.5422% | 3,314 |
| Retained earnings to average equity (ytd only) | 5.4956% | 2,953 |
| Net charge-offs to loans | 0.1857% | 903 |
| Credit loss provision to net charge-offs | 154.6813% | 1,662 |
| Earnings coverage of net charge-offs (x) | 11.2813% | 2,525 |
| Efficiency ratio | 59.7703% | 3,846 |
| Assets per employee ($millions) | 6.3012% | 1,288 |
| Cash dividends to net income (ytd only)* | 35.6656% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 4,973 |
| Loan loss allowance to noncurrent loans | 108.2517% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 2,855 |
| Noncurrent loans to loans | 0.6003% | 2,580 |
| Net loans and leases to total assets | 74.4568% | 1,910 |
| Net loans and leases to deposits | 101.2212% | 689 |
| Net loans and leases to core deposits | 127.8031% | 369 |
| Total domestic deposits to total assets | 73.5585% | 5,017 |
| Equity capital to assets | 12.6966% | 1,473 |
| Core capital (leverage) ratio | 9.0842% | 4,628 |
| Tier 1 risk-based capital ratio | 11.6126% | 4,726 |
| Total risk-based capital ratio | 12.1950% | 4,965 |
| Memoranda: | ||
| Average total assets | $11,725,217,750 | 119 |
| Average earning assets | $10,556,420,000 | 120 |
| Average equity | $1,466,069,500 | 125 |
| Average total loans | $8,695,778,750 | 116 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2791% | 2,841 |
| Cost of funding earning assets | 0.8698% | 831 |
| Net interest margin | 3.4093% | 3,924 |
| Noninterest income to average assets | 0.9311% | 1,102 |
| Noninterest expense to average assets | 2.4744% | 3,701 |
| Loan and lease loss provision to assets | 0.2082% | 809 |
| Net operating income to assets | 1.0581% | 2,765 |
| Return on assets (ROA) | 1.0541% | 2,782 |
| Pretax return on assets | 1.3114% | 2,463 |
| Return on Equity (ROE) | 8.4751% | 3,277 |
| Retained earnings to average equity (ytd only) | 5.4338% | 2,854 |
| Net charge-offs to loans | 0.1865% | 841 |
| Credit loss provision to net charge-offs | 151.0166% | 1,574 |
| Earnings coverage of net charge-offs (x) | 11.0607% | 2,298 |
| Efficiency ratio | 60.7940% | 3,796 |
| Assets per employee ($millions) | 6.1191% | 1,389 |
| Cash dividends to net income (ytd only)* | 35.8856% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 5,050 |
| Loan loss allowance to noncurrent loans | 96.7109% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 2,774 |
| Noncurrent loans to loans | 0.6527% | 2,477 |
| Net loans and leases to total assets | 74.1186% | 1,931 |
| Net loans and leases to deposits | 98.7514% | 904 |
| Net loans and leases to core deposits | 128.7075% | 355 |
| Total domestic deposits to total assets | 75.0557% | 4,953 |
| Equity capital to assets | 12.4093% | 1,588 |
| Core capital (leverage) ratio | 8.7764% | 4,903 |
| Tier 1 risk-based capital ratio | 11.0881% | 5,007 |
| Total risk-based capital ratio | 12.0104% | 5,061 |
| Memoranda: | ||
| Average total assets | $11,632,334,000 | 119 |
| Average earning assets | $10,467,510,670 | 119 |
| Average equity | $1,446,731,670 | 122 |
| Average total loans | $8,595,654,330 | 115 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,089 |
| Cost of funding earning assets | 0.8064% | 923 |
| Net interest margin | 3.3342% | 4,095 |
| Noninterest income to average assets | 0.9624% | 997 |
| Noninterest expense to average assets | 2.5841% | 3,380 |
| Loan and lease loss provision to assets | 0.1937% | 865 |
| Net operating income to assets | 0.9176% | 3,219 |
| Return on assets (ROA) | 0.8908% | 3,344 |
| Pretax return on assets | 1.1495% | 2,967 |
| Return on Equity (ROE) | 7.1543% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.0841% | 3,568 |
| Net charge-offs to loans | 0.1678% | 861 |
| Credit loss provision to net charge-offs | 157.0423% | 1,207 |
| Earnings coverage of net charge-offs (x) | 11.1620% | 1,861 |
| Efficiency ratio | 64.1230% | 3,464 |
| Assets per employee ($millions) | 6.1223% | 1,418 |
| Cash dividends to net income (ytd only)* | 42.9134% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6355% | 5,123 |
| Loan loss allowance to noncurrent loans | 111.5532% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 3,109 |
| Noncurrent loans to loans | 0.5697% | 2,836 |
| Net loans and leases to total assets | 73.2794% | 1,982 |
| Net loans and leases to deposits | 96.2121% | 1,014 |
| Net loans and leases to core deposits | 119.0466% | 613 |
| Total domestic deposits to total assets | 76.1644% | 4,946 |
| Equity capital to assets | 12.6757% | 1,393 |
| Core capital (leverage) ratio | 8.6851% | 5,000 |
| Tier 1 risk-based capital ratio | 11.0880% | 5,089 |
| Total risk-based capital ratio | 11.9952% | 5,160 |
| Memoranda: | ||
| Average total assets | $11,509,891,500 | 118 |
| Average earning assets | $10,352,073,000 | 119 |
| Average equity | $1,433,155,500 | 121 |
| Average total loans | $8,463,907,500 | 116 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,291 |
| Cost of funding earning assets | 0.6976% | 1,035 |
| Net interest margin | 3.3371% | 4,047 |
| Noninterest income to average assets | 1.0374% | 945 |
| Noninterest expense to average assets | 2.9108% | 2,415 |
| Loan and lease loss provision to assets | 0.2136% | 929 |
| Net operating income to assets | 0.5076% | 4,356 |
| Return on assets (ROA) | 0.5788% | 4,139 |
| Pretax return on assets | 1.0355% | 3,432 |
| Return on Equity (ROE) | 4.9181% | 4,196 |
| Retained earnings to average equity (ytd only) | 1.5515% | 4,378 |
| Net charge-offs to loans | 0.1833% | 1,372 |
| Credit loss provision to net charge-offs | 159.4131% | 1,674 |
| Earnings coverage of net charge-offs (x) | 8.4915% | 2,908 |
| Efficiency ratio | 71.0185% | 2,397 |
| Assets per employee ($millions) | 5.9824% | 1,525 |
| Cash dividends to net income (ytd only)* | 68.4535% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 5,219 |
| Loan loss allowance to noncurrent loans | 131.6319% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,450 |
| Noncurrent loans to loans | 0.4658% | 3,111 |
| Net loans and leases to total assets | 72.8749% | 2,106 |
| Net loans and leases to deposits | 95.0404% | 1,174 |
| Net loans and leases to core deposits | 117.0989% | 687 |
| Total domestic deposits to total assets | 76.6778% | 4,900 |
| Equity capital to assets | 12.2281% | 1,687 |
| Core capital (leverage) ratio | 8.3236% | 5,267 |
| Tier 1 risk-based capital ratio | 10.3214% | 5,441 |
| Total risk-based capital ratio | 11.1746% | 5,505 |
| Memoranda: | ||
| Average total assets | $9,842,485,200 | 123 |
| Average earning assets | $8,881,521,800 | 124 |
| Average equity | $1,158,435,400 | 137 |
| Average total loans | $7,194,241,400 | 126 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 3,474 |
| Cost of funding earning assets | 0.6799% | 1,075 |
| Net interest margin | 3.2852% | 4,216 |
| Noninterest income to average assets | 1.0663% | 899 |
| Noninterest expense to average assets | 2.8428% | 2,587 |
| Loan and lease loss provision to assets | 0.2106% | 894 |
| Net operating income to assets | 0.7092% | 3,934 |
| Return on assets (ROA) | 0.8205% | 3,477 |
| Pretax return on assets | 1.1341% | 3,168 |
| Return on Equity (ROE) | 7.0553% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.6479% | 3,753 |
| Net charge-offs to loans | 0.1914% | 1,107 |
| Credit loss provision to net charge-offs | 150.6783% | 1,684 |
| Earnings coverage of net charge-offs (x) | 8.5134% | 2,773 |
| Efficiency ratio | 69.6788% | 2,586 |
| Assets per employee ($millions) | 5.6630% | 1,762 |
| Cash dividends to net income (ytd only)* | 48.2958% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 5,153 |
| Loan loss allowance to noncurrent loans | 143.7531% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,604 |
| Noncurrent loans to loans | 0.4807% | 3,242 |
| Net loans and leases to total assets | 72.4256% | 2,197 |
| Net loans and leases to deposits | 101.1625% | 666 |
| Net loans and leases to core deposits | 128.7842% | 361 |
| Total domestic deposits to total assets | 71.5933% | 5,404 |
| Equity capital to assets | 11.6116% | 2,263 |
| Core capital (leverage) ratio | 7.9083% | 5,543 |
| Tier 1 risk-based capital ratio | 10.4479% | 5,466 |
| Total risk-based capital ratio | 11.6850% | 5,412 |
| Memoranda: | ||
| Average total assets | $9,421,070,250 | 133 |
| Average earning assets | $8,507,483,250 | 136 |
| Average equity | $1,095,627,000 | 142 |
| Average total loans | $6,879,562,250 | 130 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 3,520 |
| Cost of funding earning assets | 0.6468% | 1,160 |
| Net interest margin | 3.2639% | 4,226 |
| Noninterest income to average assets | 1.0543% | 911 |
| Noninterest expense to average assets | 2.9606% | 2,234 |
| Loan and lease loss provision to assets | 0.2142% | 833 |
| Net operating income to assets | 0.5794% | 4,392 |
| Return on assets (ROA) | 0.7435% | 3,717 |
| Pretax return on assets | 1.0584% | 3,346 |
| Return on Equity (ROE) | 6.3895% | 3,875 |
| Retained earnings to average equity (ytd only) | 3.0700% | 3,880 |
| Net charge-offs to loans | 0.1945% | 1,036 |
| Credit loss provision to net charge-offs | 150.7474% | 1,514 |
| Earnings coverage of net charge-offs (x) | 7.3056% | 2,619 |
| Efficiency ratio | 73.1930% | 2,151 |
| Assets per employee ($millions) | 5.6682% | 1,730 |
| Cash dividends to net income (ytd only)* | 51.9526% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6755% | 5,254 |
| Loan loss allowance to noncurrent loans | 147.3614% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,751 |
| Noncurrent loans to loans | 0.4584% | 3,373 |
| Net loans and leases to total assets | 72.6516% | 2,098 |
| Net loans and leases to deposits | 101.1137% | 669 |
| Net loans and leases to core deposits | 128.0786% | 339 |
| Total domestic deposits to total assets | 71.8514% | 5,462 |
| Equity capital to assets | 11.6221% | 2,212 |
| Core capital (leverage) ratio | 7.9539% | 5,553 |
| Tier 1 risk-based capital ratio | 10.2299% | 5,566 |
| Total risk-based capital ratio | 11.4347% | 5,520 |
| Memoranda: | ||
| Average total assets | $9,320,330,000 | 132 |
| Average earning assets | $8,408,294,670 | 135 |
| Average equity | $1,084,493,000 | 141 |
| Average total loans | $6,809,032,670 | 128 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 3,482 |
| Cost of funding earning assets | 0.6256% | 1,213 |
| Net interest margin | 3.2504% | 4,175 |
| Noninterest income to average assets | 0.8251% | 1,468 |
| Noninterest expense to average assets | 3.1302% | 1,788 |
| Loan and lease loss provision to assets | 0.2218% | 713 |
| Net operating income to assets | 0.2850% | 5,228 |
| Return on assets (ROA) | 0.6179% | 4,132 |
| Pretax return on assets | 0.8774% | 3,842 |
| Return on Equity (ROE) | 5.3074% | 4,253 |
| Retained earnings to average equity (ytd only) | 1.9421% | 4,351 |
| Net charge-offs to loans | 0.1961% | 880 |
| Credit loss provision to net charge-offs | 154.9103% | 1,189 |
| Earnings coverage of net charge-offs (x) | 4.3554% | 2,399 |
| Efficiency ratio | 82.4575% | 1,114 |
| Assets per employee ($millions) | 5.5595% | 1,829 |
| Cash dividends to net income (ytd only)* | 63.4071% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 5,350 |
| Loan loss allowance to noncurrent loans | 128.9563% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 3,655 |
| Noncurrent loans to loans | 0.5265% | 3,234 |
| Net loans and leases to total assets | 72.3790% | 2,020 |
| Net loans and leases to deposits | 100.0052% | 613 |
| Net loans and leases to core deposits | 125.9834% | 324 |
| Total domestic deposits to total assets | 72.3752% | 5,523 |
| Equity capital to assets | 11.5656% | 2,142 |
| Core capital (leverage) ratio | 7.6859% | 5,665 |
| Tier 1 risk-based capital ratio | 9.8781% | 5,724 |
| Total risk-based capital ratio | 11.0823% | 5,706 |
| Memoranda: | ||
| Average total assets | $9,188,031,000 | 133 |
| Average earning assets | $8,278,493,500 | 135 |
| Average equity | $1,069,754,500 | 141 |
| Average total loans | $6,708,067,000 | 131 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 3,877 |
| Cost of funding earning assets | 0.6114% | 1,267 |
| Net interest margin | 3.1974% | 4,462 |
| Noninterest income to average assets | 0.6795% | 2,265 |
| Noninterest expense to average assets | 2.3515% | 4,414 |
| Loan and lease loss provision to assets | 0.2137% | 1,050 |
| Net operating income to assets | 0.7482% | 3,542 |
| Return on assets (ROA) | 0.7429% | 3,687 |
| Pretax return on assets | 0.9872% | 3,521 |
| Return on Equity (ROE) | 6.4747% | 3,747 |
| Retained earnings to average equity (ytd only) | 2.9343% | 3,811 |
| Net charge-offs to loans | 0.2095% | 1,328 |
| Credit loss provision to net charge-offs | 137.0107% | 1,984 |
| Earnings coverage of net charge-offs (x) | 7.7440% | 2,969 |
| Efficiency ratio | 65.2625% | 3,715 |
| Assets per employee ($millions) | 5.4575% | 1,894 |
| Cash dividends to net income (ytd only)* | 54.6801% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6596% | 5,429 |
| Loan loss allowance to noncurrent loans | 137.9377% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 3,860 |
| Noncurrent loans to loans | 0.4782% | 3,436 |
| Net loans and leases to total assets | 72.6632% | 2,071 |
| Net loans and leases to deposits | 99.3669% | 713 |
| Net loans and leases to core deposits | 121.3223% | 448 |
| Total domestic deposits to total assets | 73.1262% | 5,494 |
| Equity capital to assets | 11.7214% | 1,991 |
| Core capital (leverage) ratio | 7.8438% | 5,670 |
| Tier 1 risk-based capital ratio | 9.9611% | 5,748 |
| Total risk-based capital ratio | 11.2140% | 5,708 |
| Memoranda: | ||
| Average total assets | $8,123,750,000 | 145 |
| Average earning assets | $7,317,320,400 | 144 |
| Average equity | $932,101,400 | 150 |
| Average total loans | $6,048,344,400 | 134 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 3,635 |
| Cost of funding earning assets | 0.6075% | 1,270 |
| Net interest margin | 3.2776% | 4,267 |
| Noninterest income to average assets | 0.6807% | 2,257 |
| Noninterest expense to average assets | 2.2565% | 4,634 |
| Loan and lease loss provision to assets | 0.2245% | 907 |
| Net operating income to assets | 0.8322% | 3,227 |
| Return on assets (ROA) | 0.8331% | 3,353 |
| Pretax return on assets | 1.1540% | 3,026 |
| Return on Equity (ROE) | 7.3067% | 3,399 |
| Retained earnings to average equity (ytd only) | 3.7429% | 3,643 |
| Net charge-offs to loans | 0.2142% | 1,085 |
| Credit loss provision to net charge-offs | 140.1162% | 1,866 |
| Earnings coverage of net charge-offs (x) | 8.5939% | 2,750 |
| Efficiency ratio | 61.2584% | 4,341 |
| Assets per employee ($millions) | 6.8822% | 935 |
| Cash dividends to net income (ytd only)* | 48.7745% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 5,410 |
| Loan loss allowance to noncurrent loans | 165.6865% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 4,075 |
| Noncurrent loans to loans | 0.4288% | 3,751 |
| Net loans and leases to total assets | 76.3167% | 1,475 |
| Net loans and leases to deposits | 103.9264% | 462 |
| Net loans and leases to core deposits | 130.5702% | 291 |
| Total domestic deposits to total assets | 73.4334% | 5,484 |
| Equity capital to assets | 11.5971% | 2,434 |
| Core capital (leverage) ratio | 7.6276% | 5,804 |
| Tier 1 risk-based capital ratio | 9.6254% | 5,863 |
| Total risk-based capital ratio | 10.9315% | 5,834 |
| Memoranda: | ||
| Average total assets | $7,874,833,750 | 148 |
| Average earning assets | $7,094,903,750 | 146 |
| Average equity | $897,896,750 | 156 |
| Average total loans | $5,892,815,500 | 136 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,759 |
| Cost of funding earning assets | 0.5822% | 1,455 |
| Net interest margin | 3.2723% | 4,321 |
| Noninterest income to average assets | 0.6113% | 2,564 |
| Noninterest expense to average assets | 2.2265% | 4,784 |
| Loan and lease loss provision to assets | 0.2168% | 965 |
| Net operating income to assets | 0.8207% | 3,213 |
| Return on assets (ROA) | 0.8212% | 3,350 |
| Pretax return on assets | 1.1176% | 3,129 |
| Return on Equity (ROE) | 7.2432% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.2075% | 3,857 |
| Net charge-offs to loans | 0.2207% | 1,064 |
| Credit loss provision to net charge-offs | 132.4429% | 1,751 |
| Earnings coverage of net charge-offs (x) | 8.1499% | 2,544 |
| Efficiency ratio | 61.6512% | 4,398 |
| Assets per employee ($millions) | 6.9175% | 902 |
| Cash dividends to net income (ytd only)* | 55.7172% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6873% | 5,539 |
| Loan loss allowance to noncurrent loans | 162.1187% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 4,171 |
| Noncurrent loans to loans | 0.4240% | 3,832 |
| Net loans and leases to total assets | 74.6692% | 1,704 |
| Net loans and leases to deposits | 104.6820% | 431 |
| Net loans and leases to core deposits | 132.4269% | 270 |
| Total domestic deposits to total assets | 71.3295% | 5,710 |
| Equity capital to assets | 11.2948% | 2,743 |
| Core capital (leverage) ratio | 7.5735% | 5,863 |
| Tier 1 risk-based capital ratio | 9.3972% | 5,966 |
| Total risk-based capital ratio | 10.6316% | 5,954 |
| Memoranda: | ||
| Average total assets | $7,868,476,330 | 147 |
| Average earning assets | $7,091,313,000 | 144 |
| Average equity | $892,042,000 | 155 |
| Average total loans | $5,834,595,670 | 137 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,720 |
| Cost of funding earning assets | 0.5647% | 1,585 |
| Net interest margin | 3.2984% | 4,222 |
| Noninterest income to average assets | 0.6450% | 2,292 |
| Noninterest expense to average assets | 2.2727% | 4,732 |
| Loan and lease loss provision to assets | 0.2055% | 950 |
| Net operating income to assets | 0.8225% | 3,137 |
| Return on assets (ROA) | 0.8239% | 3,253 |
| Pretax return on assets | 1.1438% | 2,920 |
| Return on Equity (ROE) | 7.2532% | 3,316 |
| Retained earnings to average equity (ytd only) | 3.1885% | 3,913 |
| Net charge-offs to loans | 0.2271% | 900 |
| Credit loss provision to net charge-offs | 122.9211% | 1,424 |
| Earnings coverage of net charge-offs (x) | 8.0598% | 2,091 |
| Efficiency ratio | 61.8795% | 4,467 |
| Assets per employee ($millions) | 6.8099% | 962 |
| Cash dividends to net income (ytd only)* | 56.0399% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 5,598 |
| Loan loss allowance to noncurrent loans | 161.4991% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 4,182 |
| Noncurrent loans to loans | 0.4319% | 3,891 |
| Net loans and leases to total assets | 73.2629% | 1,838 |
| Net loans and leases to deposits | 100.8430% | 574 |
| Net loans and leases to core deposits | 127.3442% | 315 |
| Total domestic deposits to total assets | 72.6504% | 5,732 |
| Equity capital to assets | 11.4670% | 2,471 |
| Core capital (leverage) ratio | 7.7030% | 5,875 |
| Tier 1 risk-based capital ratio | 9.8782% | 5,931 |
| Total risk-based capital ratio | 11.1495% | 5,901 |
| Memoranda: | ||
| Average total assets | $7,797,477,000 | 147 |
| Average earning assets | $7,033,368,000 | 146 |
| Average equity | $885,681,000 | 155 |
| Average total loans | $5,740,518,000 | 138 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,038 |
| Cost of funding earning assets | 0.4585% | 2,548 |
| Net interest margin | 3.3420% | 4,143 |
| Noninterest income to average assets | 0.5607% | 2,963 |
| Noninterest expense to average assets | 2.5526% | 4,065 |
| Loan and lease loss provision to assets | 0.2315% | 856 |
| Net operating income to assets | 0.6953% | 3,833 |
| Return on assets (ROA) | 0.7213% | 3,807 |
| Pretax return on assets | 0.8134% | 4,148 |
| Return on Equity (ROE) | 6.5043% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.0098% | 3,916 |
| Net charge-offs to loans | 0.2494% | 1,206 |
| Credit loss provision to net charge-offs | 127.8746% | 2,039 |
| Earnings coverage of net charge-offs (x) | 5.6106% | 3,357 |
| Efficiency ratio | 70.4386% | 3,153 |
| Assets per employee ($millions) | 6.7689% | 976 |
| Cash dividends to net income (ytd only)* | 53.7253% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 5,656 |
| Loan loss allowance to noncurrent loans | 150.5823% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 4,147 |
| Noncurrent loans to loans | 0.4549% | 3,838 |
| Net loans and leases to total assets | 72.9603% | 1,897 |
| Net loans and leases to deposits | 101.2550% | 591 |
| Net loans and leases to core deposits | 126.8291% | 318 |
| Total domestic deposits to total assets | 72.0560% | 5,797 |
| Equity capital to assets | 11.2505% | 2,588 |
| Core capital (leverage) ratio | 7.6570% | 5,945 |
| Tier 1 risk-based capital ratio | 9.8790% | 5,976 |
| Total risk-based capital ratio | 11.1589% | 5,931 |
| Memoranda: | ||
| Average total assets | $7,225,322,800 | 147 |
| Average earning assets | $6,502,278,000 | 146 |
| Average equity | $801,274,000 | 158 |
| Average total loans | $5,244,003,600 | 142 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,292 |
| Cost of funding earning assets | 0.4391% | 2,811 |
| Net interest margin | 3.3010% | 4,336 |
| Noninterest income to average assets | 0.5718% | 2,903 |
| Noninterest expense to average assets | 2.5550% | 4,032 |
| Loan and lease loss provision to assets | 0.2316% | 785 |
| Net operating income to assets | 0.6629% | 4,062 |
| Return on assets (ROA) | 0.7038% | 3,996 |
| Pretax return on assets | 0.8017% | 4,334 |
| Return on Equity (ROE) | 6.3716% | 3,973 |
| Retained earnings to average equity (ytd only) | 2.9611% | 4,343 |
| Net charge-offs to loans | 0.2546% | 1,032 |
| Credit loss provision to net charge-offs | 125.7543% | 1,917 |
| Earnings coverage of net charge-offs (x) | 5.3589% | 3,216 |
| Efficiency ratio | 70.9825% | 3,050 |
| Assets per employee ($millions) | 7.0649% | 843 |
| Cash dividends to net income (ytd only)* | 53.5260% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 5,789 |
| Loan loss allowance to noncurrent loans | 139.9458% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 4,199 |
| Noncurrent loans to loans | 0.4794% | 3,923 |
| Net loans and leases to total assets | 72.5988% | 1,968 |
| Net loans and leases to deposits | 101.5152% | 574 |
| Net loans and leases to core deposits | 123.9470% | 376 |
| Total domestic deposits to total assets | 71.5152% | 5,899 |
| Equity capital to assets | 11.2641% | 2,739 |
| Core capital (leverage) ratio | 7.6157% | 6,027 |
| Tier 1 risk-based capital ratio | 9.7876% | 6,085 |
| Total risk-based capital ratio | 11.0440% | 6,059 |
| Memoranda: | ||
| Average total assets | $7,078,837,750 | 152 |
| Average earning assets | $6,369,190,500 | 150 |
| Average equity | $781,891,750 | 161 |
| Average total loans | $5,120,397,750 | 147 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 4,470 |
| Cost of funding earning assets | 0.4334% | 2,908 |
| Net interest margin | 3.2455% | 4,518 |
| Noninterest income to average assets | 0.6013% | 2,733 |
| Noninterest expense to average assets | 2.6159% | 3,866 |
| Loan and lease loss provision to assets | 0.2354% | 777 |
| Net operating income to assets | 0.5775% | 4,437 |
| Return on assets (ROA) | 0.6390% | 4,291 |
| Pretax return on assets | 0.7379% | 4,530 |
| Return on Equity (ROE) | 5.8289% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.6297% | 4,383 |
| Net charge-offs to loans | 0.2645% | 989 |
| Credit loss provision to net charge-offs | 123.5429% | 1,761 |
| Earnings coverage of net charge-offs (x) | 4.7370% | 3,005 |
| Efficiency ratio | 73.1272% | 2,812 |
| Assets per employee ($millions) | 6.9161% | 858 |
| Cash dividends to net income (ytd only)* | 54.8847% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 5,822 |
| Loan loss allowance to noncurrent loans | 142.0004% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 4,343 |
| Noncurrent loans to loans | 0.4912% | 3,999 |
| Net loans and leases to total assets | 70.5747% | 2,227 |
| Net loans and leases to deposits | 98.4385% | 757 |
| Net loans and leases to core deposits | 116.9857% | 561 |
| Total domestic deposits to total assets | 71.6942% | 5,950 |
| Equity capital to assets | 10.9793% | 2,903 |
| Core capital (leverage) ratio | 7.4722% | 6,107 |
| Tier 1 risk-based capital ratio | 9.6537% | 6,174 |
| Total risk-based capital ratio | 10.9747% | 6,125 |
| Memoranda: | ||
| Average total assets | $6,843,265,330 | 155 |
| Average earning assets | $6,151,220,000 | 156 |
| Average equity | $750,197,330 | 167 |
| Average total loans | $4,930,396,330 | 150 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,682 |
| Cost of funding earning assets | 0.4378% | 2,906 |
| Net interest margin | 3.1649% | 4,733 |
| Noninterest income to average assets | 0.5616% | 2,880 |
| Noninterest expense to average assets | 2.5954% | 3,950 |
| Loan and lease loss provision to assets | 0.2365% | 725 |
| Net operating income to assets | 0.5492% | 4,484 |
| Return on assets (ROA) | 0.5512% | 4,588 |
| Pretax return on assets | 0.5777% | 4,974 |
| Return on Equity (ROE) | 5.0320% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.6676% | 4,806 |
| Net charge-offs to loans | 0.2730% | 877 |
| Credit loss provision to net charge-offs | 119.3368% | 1,450 |
| Earnings coverage of net charge-offs (x) | 4.0979% | 2,531 |
| Efficiency ratio | 74.8734% | 2,672 |
| Assets per employee ($millions) | 6.3954% | 1,144 |
| Cash dividends to net income (ytd only)* | 66.8598% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 5,778 |
| Loan loss allowance to noncurrent loans | 124.4205% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 4,081 |
| Noncurrent loans to loans | 0.6130% | 3,736 |
| Net loans and leases to total assets | 72.0990% | 1,790 |
| Net loans and leases to deposits | 99.2239% | 606 |
| Net loans and leases to core deposits | 115.9252% | 523 |
| Total domestic deposits to total assets | 72.6629% | 6,003 |
| Equity capital to assets | 10.9263% | 3,055 |
| Core capital (leverage) ratio | 7.2614% | 6,207 |
| Tier 1 risk-based capital ratio | 9.3641% | 6,286 |
| Total risk-based capital ratio | 10.8174% | 6,240 |
| Memoranda: | ||
| Average total assets | $6,512,895,500 | 161 |
| Average earning assets | $5,856,594,000 | 158 |
| Average equity | $713,353,000 | 168 |
| Average total loans | $4,729,030,500 | 156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,589 |
| Cost of funding earning assets | 0.4514% | 3,157 |
| Net interest margin | 3.3156% | 4,524 |
| Noninterest income to average assets | 0.5908% | 2,912 |
| Noninterest expense to average assets | 2.5183% | 4,486 |
| Loan and lease loss provision to assets | 0.2430% | 961 |
| Net operating income to assets | 0.5777% | 4,468 |
| Return on assets (ROA) | 0.5834% | 4,530 |
| Pretax return on assets | 0.7958% | 4,275 |
| Return on Equity (ROE) | 5.1534% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.4323% | 3,771 |
| Net charge-offs to loans | 0.2844% | 1,526 |
| Credit loss provision to net charge-offs | 118.5209% | 2,031 |
| Earnings coverage of net charge-offs (x) | 5.0283% | 3,516 |
| Efficiency ratio | 69.0869% | 3,695 |
| Assets per employee ($millions) | 6.3189% | 1,173 |
| Cash dividends to net income (ytd only)* | 33.3964% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 5,867 |
| Loan loss allowance to noncurrent loans | 135.7363% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 4,289 |
| Noncurrent loans to loans | 0.5590% | 3,992 |
| Net loans and leases to total assets | 72.0164% | 1,911 |
| Net loans and leases to deposits | 99.4218% | 660 |
| Net loans and leases to core deposits | 114.3808% | 585 |
| Total domestic deposits to total assets | 72.4352% | 6,054 |
| Equity capital to assets | 10.9799% | 2,913 |
| Core capital (leverage) ratio | 7.1761% | 6,279 |
| Tier 1 risk-based capital ratio | 9.2487% | 6,389 |
| Total risk-based capital ratio | 10.7805% | 6,326 |
| Memoranda: | ||
| Average total assets | $6,159,401,800 | 164 |
| Average earning assets | $5,495,868,400 | 163 |
| Average equity | $697,249,000 | 165 |
| Average total loans | $4,439,822,600 | 157 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 4,654 |
| Cost of funding earning assets | 0.4503% | 3,244 |
| Net interest margin | 3.3196% | 4,537 |
| Noninterest income to average assets | 0.5377% | 3,273 |
| Noninterest expense to average assets | 2.5548% | 4,343 |
| Loan and lease loss provision to assets | 0.2428% | 902 |
| Net operating income to assets | 0.5082% | 4,847 |
| Return on assets (ROA) | 0.5159% | 4,881 |
| Pretax return on assets | 0.7054% | 4,688 |
| Return on Equity (ROE) | 4.5211% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.3680% | 4,219 |
| Net charge-offs to loans | 0.2873% | 1,370 |
| Credit loss provision to net charge-offs | 117.4287% | 1,947 |
| Earnings coverage of net charge-offs (x) | 4.5355% | 3,434 |
| Efficiency ratio | 71.1030% | 3,327 |
| Assets per employee ($millions) | 6.2424% | 1,171 |
| Cash dividends to net income (ytd only)* | 25.5048% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 5,960 |
| Loan loss allowance to noncurrent loans | 122.8861% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 4,230 |
| Noncurrent loans to loans | 0.6210% | 4,062 |
| Net loans and leases to total assets | 71.7631% | 1,893 |
| Net loans and leases to deposits | 98.8359% | 682 |
| Net loans and leases to core deposits | 113.1022% | 616 |
| Total domestic deposits to total assets | 72.6083% | 6,124 |
| Equity capital to assets | 11.0425% | 2,910 |
| Core capital (leverage) ratio | 7.3087% | 6,330 |
| Tier 1 risk-based capital ratio | 9.4740% | 6,440 |
| Total risk-based capital ratio | 11.0069% | 6,367 |
| Memoranda: | ||
| Average total assets | $6,080,026,000 | 166 |
| Average earning assets | $5,411,853,750 | 163 |
| Average equity | $693,772,500 | 166 |
| Average total loans | $4,374,755,000 | 156 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,513 |
| Cost of funding earning assets | 0.4524% | 3,303 |
| Net interest margin | 3.3509% | 4,395 |
| Noninterest income to average assets | 0.4266% | 4,046 |
| Noninterest expense to average assets | 2.6493% | 4,059 |
| Loan and lease loss provision to assets | 0.2473% | 892 |
| Net operating income to assets | 0.3703% | 5,324 |
| Return on assets (ROA) | 0.3761% | 5,375 |
| Pretax return on assets | 0.5173% | 5,233 |
| Return on Equity (ROE) | 3.2907% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.2907% | 4,108 |
| Net charge-offs to loans | 0.2952% | 1,360 |
| Credit loss provision to net charge-offs | 116.2077% | 1,751 |
| Earnings coverage of net charge-offs (x) | 3.5553% | 3,278 |
| Efficiency ratio | 75.6060% | 2,707 |
| Assets per employee ($millions) | 6.2597% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 6,059 |
| Loan loss allowance to noncurrent loans | 97.4802% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 4,075 |
| Noncurrent loans to loans | 0.7883% | 3,728 |
| Net loans and leases to total assets | 70.5857% | 1,987 |
| Net loans and leases to deposits | 97.9793% | 670 |
| Net loans and leases to core deposits | 110.6191% | 670 |
| Total domestic deposits to total assets | 72.0414% | 6,249 |
| Equity capital to assets | 11.0647% | 2,815 |
| Core capital (leverage) ratio | 7.3153% | 6,369 |
| Tier 1 risk-based capital ratio | 9.4666% | 6,494 |
| Total risk-based capital ratio | 11.0246% | 6,433 |
| Memoranda: | ||
| Average total assets | $5,971,312,670 | 166 |
| Average earning assets | $5,309,376,000 | 163 |
| Average equity | $682,474,330 | 166 |
| Average total loans | $4,305,715,670 | 156 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 4,252 |
| Cost of funding earning assets | 0.4713% | 3,219 |
| Net interest margin | 3.3878% | 4,178 |
| Noninterest income to average assets | 0.0695% | 6,423 |
| Noninterest expense to average assets | 2.9061% | 3,181 |
| Loan and lease loss provision to assets | 0.2336% | 949 |
| Net operating income to assets | -0.0494% | 6,247 |
| Return on assets (ROA) | -0.0476% | 6,254 |
| Pretax return on assets | -0.0608% | 6,255 |
| Return on Equity (ROE) | -0.4095% | 6,253 |
| Retained earnings to average equity (ytd only) | -0.4095% | 5,627 |
| Net charge-offs to loans | 0.2952% | 1,178 |
| Credit loss provision to net charge-offs | 108.9509% | 1,550 |
| Earnings coverage of net charge-offs (x) | 0.7950% | 3,263 |
| Efficiency ratio | 91.9503% | 884 |
| Assets per employee ($millions) | 6.1244% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,127 |
| Loan loss allowance to noncurrent loans | 96.9223% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 4,049 |
| Noncurrent loans to loans | 0.8157% | 3,838 |
| Net loans and leases to total assets | 70.4718% | 1,805 |
| Net loans and leases to deposits | 98.6818% | 508 |
| Net loans and leases to core deposits | 104.0500% | 855 |
| Total domestic deposits to total assets | 71.4131% | 6,390 |
| Equity capital to assets | 11.3267% | 2,397 |
| Core capital (leverage) ratio | 7.3632% | 6,381 |
| Tier 1 risk-based capital ratio | 9.5269% | 6,544 |
| Total risk-based capital ratio | 11.1564% | 6,479 |
| Memoranda: | ||
| Average total assets | $5,814,592,000 | 168 |
| Average earning assets | $5,161,037,500 | 166 |
| Average equity | $676,016,500 | 167 |
| Average total loans | $4,223,329,500 | 158 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 2,876 |
| Cost of funding earning assets | 0.6596% | 2,130 |
| Net interest margin | 3.6620% | 3,212 |
| Noninterest income to average assets | 0.8096% | 2,033 |
| Noninterest expense to average assets | 2.7425% | 3,936 |
| Loan and lease loss provision to assets | 0.2126% | 1,732 |
| Net operating income to assets | 0.7551% | 3,519 |
| Return on assets (ROA) | 0.8173% | 3,301 |
| Pretax return on assets | 1.1686% | 2,696 |
| Return on Equity (ROE) | 6.5418% | 3,806 |
| Retained earnings to average equity (ytd only) | 2.5045% | 4,472 |
| Net charge-offs to loans | 0.2785% | 2,307 |
| Credit loss provision to net charge-offs | 101.0210% | 2,388 |
| Earnings coverage of net charge-offs (x) | 6.1414% | 3,121 |
| Efficiency ratio | 65.8726% | 4,585 |
| Assets per employee ($millions) | 6.5419% | 971 |
| Cash dividends to net income (ytd only)* | 61.7157% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 6,191 |
| Loan loss allowance to noncurrent loans | 90.8528% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 3,970 |
| Noncurrent loans to loans | 0.8740% | 3,797 |
| Net loans and leases to total assets | 73.7387% | 1,397 |
| Net loans and leases to deposits | 106.3045% | 252 |
| Net loans and leases to core deposits | 112.2598% | 525 |
| Total domestic deposits to total assets | 69.3655% | 6,545 |
| Equity capital to assets | 11.9436% | 1,840 |
| Core capital (leverage) ratio | 7.9891% | 6,141 |
| Tier 1 risk-based capital ratio | 9.9668% | 6,525 |
| Total risk-based capital ratio | 11.6232% | 6,367 |
| Memoranda: | ||
| Average total assets | $5,352,741,400 | 169 |
| Average earning assets | $4,714,261,600 | 168 |
| Average equity | $668,765,200 | 165 |
| Average total loans | $4,043,497,200 | 157 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 2,401 |
| Cost of funding earning assets | 0.6686% | 2,190 |
| Net interest margin | 3.7851% | 2,701 |
| Noninterest income to average assets | 0.8420% | 1,969 |
| Noninterest expense to average assets | 2.8341% | 3,544 |
| Loan and lease loss provision to assets | 0.2091% | 1,740 |
| Net operating income to assets | 0.7958% | 3,370 |
| Return on assets (ROA) | 0.8203% | 3,373 |
| Pretax return on assets | 1.1617% | 2,843 |
| Return on Equity (ROE) | 6.4889% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.8939% | 5,181 |
| Net charge-offs to loans | 0.2742% | 2,178 |
| Credit loss provision to net charge-offs | 100.4856% | 2,325 |
| Earnings coverage of net charge-offs (x) | 6.4230% | 2,977 |
| Efficiency ratio | 65.8514% | 4,513 |
| Assets per employee ($millions) | 6.2281% | 1,097 |
| Cash dividends to net income (ytd only)* | 70.8128% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 6,237 |
| Loan loss allowance to noncurrent loans | 83.6217% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 3,977 |
| Noncurrent loans to loans | 0.9815% | 3,848 |
| Net loans and leases to total assets | 73.9779% | 1,296 |
| Net loans and leases to deposits | 102.8795% | 334 |
| Net loans and leases to core deposits | 109.7666% | 582 |
| Total domestic deposits to total assets | 71.9073% | 6,502 |
| Equity capital to assets | 12.3452% | 1,676 |
| Core capital (leverage) ratio | 8.0737% | 6,174 |
| Tier 1 risk-based capital ratio | 10.1265% | 6,563 |
| Total risk-based capital ratio | 11.8822% | 6,385 |
| Memoranda: | ||
| Average total assets | $5,279,510,750 | 168 |
| Average earning assets | $4,642,491,750 | 169 |
| Average equity | $667,382,000 | 162 |
| Average total loans | $4,005,280,750 | 157 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 2,651 |
| Cost of funding earning assets | 0.6780% | 2,240 |
| Net interest margin | 3.6980% | 2,964 |
| Noninterest income to average assets | 0.9212% | 1,741 |
| Noninterest expense to average assets | 2.7547% | 3,841 |
| Loan and lease loss provision to assets | 0.1951% | 1,951 |
| Net operating income to assets | 0.8806% | 2,896 |
| Return on assets (ROA) | 0.9083% | 2,887 |
| Pretax return on assets | 1.2605% | 2,446 |
| Return on Equity (ROE) | 7.1274% | 3,532 |
| Retained earnings to average equity (ytd only) | 2.6253% | 4,639 |
| Net charge-offs to loans | 0.2536% | 2,203 |
| Credit loss provision to net charge-offs | 100.7905% | 2,188 |
| Earnings coverage of net charge-offs (x) | 7.3221% | 2,563 |
| Efficiency ratio | 63.8728% | 4,884 |
| Assets per employee ($millions) | 5.5653% | 1,524 |
| Cash dividends to net income (ytd only)* | 63.1659% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,262 |
| Loan loss allowance to noncurrent loans | 78.5856% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 4,079 |
| Noncurrent loans to loans | 1.0752% | 3,777 |
| Net loans and leases to total assets | 75.0583% | 1,097 |
| Net loans and leases to deposits | 101.3961% | 358 |
| Net loans and leases to core deposits | 108.8845% | 608 |
| Total domestic deposits to total assets | 74.0248% | 6,442 |
| Equity capital to assets | 12.8731% | 1,396 |
| Core capital (leverage) ratio | 8.2365% | 5,974 |
| Tier 1 risk-based capital ratio | 10.4260% | 6,532 |
| Total risk-based capital ratio | 12.2148% | 6,321 |
| Memoranda: | ||
| Average total assets | $5,229,049,670 | 167 |
| Average earning assets | $4,596,464,330 | 168 |
| Average equity | $666,357,000 | 161 |
| Average total loans | $3,990,072,000 | 155 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 2,490 |
| Cost of funding earning assets | 0.6914% | 2,296 |
| Net interest margin | 3.7183% | 2,784 |
| Noninterest income to average assets | 0.9104% | 1,723 |
| Noninterest expense to average assets | 2.8073% | 3,669 |
| Loan and lease loss provision to assets | 0.1830% | 2,014 |
| Net operating income to assets | 0.8333% | 2,992 |
| Return on assets (ROA) | 0.8333% | 3,134 |
| Pretax return on assets | 1.1922% | 2,607 |
| Return on Equity (ROE) | 6.5724% | 3,727 |
| Retained earnings to average equity (ytd only) | 2.3616% | 4,846 |
| Net charge-offs to loans | 0.2335% | 2,040 |
| Credit loss provision to net charge-offs | 102.3454% | 1,790 |
| Earnings coverage of net charge-offs (x) | 7.6891% | 2,035 |
| Efficiency ratio | 64.9447% | 4,831 |
| Assets per employee ($millions) | 5.6485% | 1,544 |
| Cash dividends to net income (ytd only)* | 64.0674% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 6,389 |
| Loan loss allowance to noncurrent loans | 73.3748% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 4,100 |
| Noncurrent loans to loans | 1.1444% | 3,868 |
| Net loans and leases to total assets | 75.2639% | 930 |
| Net loans and leases to deposits | 94.9215% | 613 |
| Net loans and leases to core deposits | 101.3255% | 869 |
| Total domestic deposits to total assets | 79.2907% | 5,912 |
| Equity capital to assets | 12.7958% | 1,534 |
| Core capital (leverage) ratio | 8.1705% | 5,960 |
| Tier 1 risk-based capital ratio | 10.3416% | 6,621 |
| Total risk-based capital ratio | 12.1437% | 6,421 |
| Memoranda: | ||
| Average total assets | $5,244,575,500 | 170 |
| Average earning assets | $4,615,278,500 | 171 |
| Average equity | $664,964,500 | 163 |
| Average total loans | $4,017,720,000 | 157 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 3,535 |
| Cost of funding earning assets | 0.7814% | 2,819 |
| Net interest margin | 3.6862% | 3,706 |
| Noninterest income to average assets | 0.9260% | 1,783 |
| Noninterest expense to average assets | 2.8685% | 3,768 |
| Loan and lease loss provision to assets | 0.2148% | 2,988 |
| Net operating income to assets | 0.7681% | 3,426 |
| Return on assets (ROA) | 0.7907% | 3,577 |
| Pretax return on assets | 1.1261% | 3,064 |
| Return on Equity (ROE) | 6.2398% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.7656% | 3,560 |
| Net charge-offs to loans | 0.2591% | 3,387 |
| Credit loss provision to net charge-offs | 108.6562% | 2,704 |
| Earnings coverage of net charge-offs (x) | 6.6201% | 2,774 |
| Efficiency ratio | 66.1991% | 4,462 |
| Assets per employee ($millions) | 5.6666% | 1,551 |
| Cash dividends to net income (ytd only)* | 39.6522% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 6,458 |
| Loan loss allowance to noncurrent loans | 74.6415% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 4,285 |
| Noncurrent loans to loans | 1.0920% | 4,024 |
| Net loans and leases to total assets | 76.6761% | 838 |
| Net loans and leases to deposits | 97.5336% | 533 |
| Net loans and leases to core deposits | 104.5758% | 757 |
| Total domestic deposits to total assets | 78.6151% | 5,970 |
| Equity capital to assets | 12.5635% | 1,661 |
| Core capital (leverage) ratio | 7.4574% | 6,520 |
| Tier 1 risk-based capital ratio | 10.0114% | 6,700 |
| Total risk-based capital ratio | 11.7879% | 6,509 |
| Memoranda: | ||
| Average total assets | $4,465,031,200 | 184 |
| Average earning assets | $3,937,993,800 | 186 |
| Average equity | $565,839,200 | 179 |
| Average total loans | $3,406,300,400 | 169 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 3,993 |
| Cost of funding earning assets | 0.7931% | 3,004 |
| Net interest margin | 3.6210% | 4,147 |
| Noninterest income to average assets | 0.8733% | 1,930 |
| Noninterest expense to average assets | 2.7550% | 4,156 |
| Loan and lease loss provision to assets | 0.2111% | 2,958 |
| Net operating income to assets | 0.7627% | 3,637 |
| Return on assets (ROA) | 0.7628% | 3,886 |
| Pretax return on assets | 1.0998% | 3,350 |
| Return on Equity (ROE) | 6.0033% | 4,326 |
| Retained earnings to average equity (ytd only) | 3.5423% | 4,384 |
| Net charge-offs to loans | 0.2512% | 3,213 |
| Credit loss provision to net charge-offs | 110.5832% | 2,655 |
| Earnings coverage of net charge-offs (x) | 6.8666% | 2,697 |
| Efficiency ratio | 65.1174% | 4,610 |
| Assets per employee ($millions) | 5.6135% | 1,532 |
| Cash dividends to net income (ytd only)* | 40.9937% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,277 |
| Loan loss allowance to noncurrent loans | 85.2044% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 4,546 |
| Noncurrent loans to loans | 1.0992% | 4,229 |
| Net loans and leases to total assets | 75.7590% | 1,007 |
| Net loans and leases to deposits | 98.9619% | 495 |
| Net loans and leases to core deposits | 104.6050% | 835 |
| Total domestic deposits to total assets | 76.5538% | 6,306 |
| Equity capital to assets | 12.3075% | 2,034 |
| Core capital (leverage) ratio | 7.6701% | 6,543 |
| Tier 1 risk-based capital ratio | 10.1401% | 6,766 |
| Total risk-based capital ratio | 11.1525% | 6,801 |
| Memoranda: | ||
| Average total assets | $4,263,795,250 | 192 |
| Average earning assets | $3,759,007,000 | 195 |
| Average equity | $541,775,750 | 184 |
| Average total loans | $3,239,370,250 | 174 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 3,921 |
| Cost of funding earning assets | 0.8096% | 3,115 |
| Net interest margin | 3.6556% | 4,010 |
| Noninterest income to average assets | 0.8222% | 2,087 |
| Noninterest expense to average assets | 2.8554% | 3,798 |
| Loan and lease loss provision to assets | 0.2051% | 3,017 |
| Net operating income to assets | 0.7009% | 3,864 |
| Return on assets (ROA) | 0.7012% | 4,131 |
| Pretax return on assets | 0.9748% | 3,805 |
| Return on Equity (ROE) | 5.4546% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.7011% | 5,343 |
| Net charge-offs to loans | 0.2436% | 3,109 |
| Credit loss provision to net charge-offs | 111.0821% | 2,447 |
| Earnings coverage of net charge-offs (x) | 6.3897% | 2,647 |
| Efficiency ratio | 68.0064% | 4,123 |
| Assets per employee ($millions) | 5.4164% | 1,691 |
| Cash dividends to net income (ytd only)* | 68.8137% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 6,295 |
| Loan loss allowance to noncurrent loans | 76.1327% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 4,410 |
| Noncurrent loans to loans | 1.2605% | 4,028 |
| Net loans and leases to total assets | 75.7251% | 1,001 |
| Net loans and leases to deposits | 99.1362% | 464 |
| Net loans and leases to core deposits | 105.2569% | 779 |
| Total domestic deposits to total assets | 76.3849% | 6,409 |
| Equity capital to assets | 12.4640% | 1,840 |
| Core capital (leverage) ratio | 8.0448% | 6,228 |
| Tier 1 risk-based capital ratio | 9.5635% | 6,917 |
| Total risk-based capital ratio | 10.5322% | 6,951 |
| Memoranda: | ||
| Average total assets | $4,145,090,000 | 201 |
| Average earning assets | $3,642,997,330 | 201 |
| Average equity | $532,836,000 | 185 |
| Average total loans | $3,141,463,670 | 177 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 4,129 |
| Cost of funding earning assets | 0.8431% | 3,119 |
| Net interest margin | 3.6041% | 4,255 |
| Noninterest income to average assets | 0.7512% | 2,394 |
| Noninterest expense to average assets | 2.8442% | 3,850 |
| Loan and lease loss provision to assets | 0.2011% | 2,929 |
| Net operating income to assets | 0.5999% | 4,338 |
| Return on assets (ROA) | 0.5999% | 4,558 |
| Pretax return on assets | 0.8577% | 4,198 |
| Return on Equity (ROE) | 4.5884% | 4,989 |
| Retained earnings to average equity (ytd only) | 4.5884% | 3,822 |
| Net charge-offs to loans | 0.2383% | 2,744 |
| Credit loss provision to net charge-offs | 111.9194% | 2,104 |
| Earnings coverage of net charge-offs (x) | 5.8926% | 2,283 |
| Efficiency ratio | 69.9472% | 3,817 |
| Assets per employee ($millions) | 5.8398% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 5,990 |
| Loan loss allowance to noncurrent loans | 93.4445% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 4,761 |
| Noncurrent loans to loans | 1.1500% | 4,409 |
| Net loans and leases to total assets | 75.1542% | 900 |
| Net loans and leases to deposits | 93.9109% | 675 |
| Net loans and leases to core deposits | 100.1277% | 979 |
| Total domestic deposits to total assets | 80.0271% | 5,847 |
| Equity capital to assets | 13.0788% | 1,409 |
| Core capital (leverage) ratio | 8.5022% | 5,584 |
| Tier 1 risk-based capital ratio | 10.4799% | 6,745 |
| Total risk-based capital ratio | 11.5594% | 6,794 |
| Memoranda: | ||
| Average total assets | $3,977,934,500 | 207 |
| Average earning assets | $3,478,659,000 | 203 |
| Average equity | $520,098,000 | 187 |
| Average total loans | $2,999,746,000 | 178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 4,152 |
| Cost of funding earning assets | 1.0590% | 2,960 |
| Net interest margin | 3.6645% | 4,456 |
| Noninterest income to average assets | 0.8788% | 1,749 |
| Noninterest expense to average assets | 3.0813% | 3,262 |
| Loan and lease loss provision to assets | 0.2238% | 3,966 |
| Net operating income to assets | 0.5660% | 4,167 |
| Return on assets (ROA) | 0.5663% | 4,346 |
| Pretax return on assets | 0.7691% | 4,086 |
| Return on Equity (ROE) | 4.4462% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.4462% | 3,009 |
| Net charge-offs to loans | 0.2762% | 4,042 |
| Credit loss provision to net charge-offs | 107.7811% | 3,134 |
| Earnings coverage of net charge-offs (x) | 4.7794% | 2,977 |
| Efficiency ratio | 72.9719% | 3,394 |
| Assets per employee ($millions) | 5.7328% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 5,830 |
| Loan loss allowance to noncurrent loans | 94.2646% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 4,778 |
| Noncurrent loans to loans | 1.1626% | 4,426 |
| Net loans and leases to total assets | 74.0222% | 1,272 |
| Net loans and leases to deposits | 92.1870% | 953 |
| Net loans and leases to core deposits | 98.1230% | 1,319 |
| Total domestic deposits to total assets | 80.2957% | 5,664 |
| Equity capital to assets | 13.0703% | 1,453 |
| Core capital (leverage) ratio | 8.4068% | 5,706 |
| Tier 1 risk-based capital ratio | 10.2170% | 6,793 |
| Total risk-based capital ratio | 11.2853% | 6,834 |
| Memoranda: | ||
| Average total assets | $3,378,984,200 | 226 |
| Average earning assets | $2,946,060,200 | 223 |
| Average equity | $430,367,600 | 204 |
| Average total loans | $2,540,889,000 | 197 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 4,363 |
| Cost of funding earning assets | 1.1017% | 2,971 |
| Net interest margin | 3.6166% | 4,700 |
| Noninterest income to average assets | 0.7278% | 2,432 |
| Noninterest expense to average assets | 3.1751% | 2,902 |
| Loan and lease loss provision to assets | 0.2185% | 3,827 |
| Net operating income to assets | 0.4102% | 4,951 |
| Return on assets (ROA) | 0.4104% | 5,143 |
| Pretax return on assets | 0.4915% | 5,191 |
| Return on Equity (ROE) | 3.2479% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.2479% | 4,406 |
| Net charge-offs to loans | 0.2746% | 3,716 |
| Credit loss provision to net charge-offs | 105.6408% | 3,140 |
| Earnings coverage of net charge-offs (x) | 3.4319% | 3,440 |
| Efficiency ratio | 79.0994% | 2,396 |
| Assets per employee ($millions) | 5.6626% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,986 |
| Loan loss allowance to noncurrent loans | 113.6656% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 5,276 |
| Noncurrent loans to loans | 0.9426% | 4,996 |
| Net loans and leases to total assets | 73.2892% | 1,457 |
| Net loans and leases to deposits | 90.7784% | 1,130 |
| Net loans and leases to core deposits | 97.0694% | 1,503 |
| Total domestic deposits to total assets | 80.7342% | 5,519 |
| Equity capital to assets | 12.5532% | 1,884 |
| Core capital (leverage) ratio | 8.2710% | 6,020 |
| Tier 1 risk-based capital ratio | 9.5899% | 7,040 |
| Total risk-based capital ratio | 10.6350% | 7,067 |
| Memoranda: | ||
| Average total assets | $3,234,821,500 | 230 |
| Average earning assets | $2,823,749,000 | 229 |
| Average equity | $408,705,750 | 213 |
| Average total loans | $2,435,988,250 | 202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 4,867 |
| Cost of funding earning assets | 1.1772% | 2,727 |
| Net interest margin | 3.4486% | 5,373 |
| Noninterest income to average assets | 0.6297% | 2,951 |
| Noninterest expense to average assets | 2.8530% | 4,221 |
| Loan and lease loss provision to assets | 0.2093% | 3,825 |
| Net operating income to assets | 0.4345% | 4,797 |
| Return on assets (ROA) | 0.4348% | 4,935 |
| Pretax return on assets | 0.5864% | 4,783 |
| Return on Equity (ROE) | 3.4310% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.4310% | 4,074 |
| Net charge-offs to loans | 0.2741% | 3,517 |
| Credit loss provision to net charge-offs | 100.6820% | 3,079 |
| Earnings coverage of net charge-offs (x) | 3.8253% | 3,041 |
| Efficiency ratio | 75.8246% | 3,045 |
| Assets per employee ($millions) | 5.5365% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 5,054 |
| Loan loss allowance to noncurrent loans | 178.0300% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 5,687 |
| Noncurrent loans to loans | 0.7313% | 5,449 |
| Net loans and leases to total assets | 75.8785% | 1,090 |
| Net loans and leases to deposits | 96.8206% | 662 |
| Net loans and leases to core deposits | 103.6219% | 1,068 |
| Total domestic deposits to total assets | 78.3702% | 6,221 |
| Equity capital to assets | 12.9869% | 1,520 |
| Core capital (leverage) ratio | 8.4181% | 5,681 |
| Tier 1 risk-based capital ratio | 9.9647% | 6,990 |
| Total risk-based capital ratio | 11.2511% | 6,972 |
| Memoranda: | ||
| Average total assets | $2,961,630,670 | 241 |
| Average earning assets | $2,592,497,000 | 246 |
| Average equity | $375,288,330 | 233 |
| Average total loans | $2,246,779,670 | 218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 5,416 |
| Cost of funding earning assets | 1.2122% | 2,730 |
| Net interest margin | 3.2649% | 5,892 |
| Noninterest income to average assets | 0.5874% | 3,254 |
| Noninterest expense to average assets | 2.5790% | 5,301 |
| Loan and lease loss provision to assets | 0.2247% | 3,413 |
| Net operating income to assets | 0.4521% | 4,708 |
| Return on assets (ROA) | 0.4521% | 4,794 |
| Pretax return on assets | 0.6423% | 4,524 |
| Return on Equity (ROE) | 3.6183% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.6183% | 4,013 |
| Net charge-offs to loans | 0.2985% | 2,854 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.8581% | 2,613 |
| Efficiency ratio | 72.6717% | 3,735 |
| Assets per employee ($millions) | 5.4298% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,275 |
| Loan loss allowance to noncurrent loans | 206.7808% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 5,709 |
| Noncurrent loans to loans | 0.7190% | 5,572 |
| Net loans and leases to total assets | 74.1422% | 1,321 |
| Net loans and leases to deposits | 93.6048% | 863 |
| Net loans and leases to core deposits | 100.6076% | 1,288 |
| Total domestic deposits to total assets | 79.2076% | 6,144 |
| Equity capital to assets | 12.5494% | 1,597 |
| Core capital (leverage) ratio | 8.0529% | 6,184 |
| Tier 1 risk-based capital ratio | 9.5752% | 7,130 |
| Total risk-based capital ratio | 10.8776% | 7,126 |
| Memoranda: | ||
| Average total assets | $2,847,942,500 | 253 |
| Average earning assets | $2,493,585,500 | 258 |
| Average equity | $355,855,500 | 233 |
| Average total loans | $2,144,325,000 | 228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 5,767 |
| Cost of funding earning assets | 1.4466% | 2,979 |
| Net interest margin | 3.2658% | 6,087 |
| Noninterest income to average assets | 0.7204% | 2,711 |
| Noninterest expense to average assets | 2.5851% | 5,475 |
| Loan and lease loss provision to assets | 0.3120% | 4,311 |
| Net operating income to assets | 0.5131% | 4,039 |
| Return on assets (ROA) | 0.5131% | 4,192 |
| Pretax return on assets | 0.6703% | 4,094 |
| Return on Equity (ROE) | 4.0407% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.0407% | 3,029 |
| Net charge-offs to loans | 0.4150% | 3,961 |
| Credit loss provision to net charge-offs | 100.9711% | 4,498 |
| Earnings coverage of net charge-offs (x) | 3.1792% | 3,485 |
| Efficiency ratio | 70.1186% | 4,156 |
| Assets per employee ($millions) | 5.4611% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 4,073 |
| Loan loss allowance to noncurrent loans | 216.0233% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 5,721 |
| Noncurrent loans to loans | 0.6890% | 5,666 |
| Net loans and leases to total assets | 74.2055% | 1,618 |
| Net loans and leases to deposits | 95.0489% | 950 |
| Net loans and leases to core deposits | 102.4576% | 1,418 |
| Total domestic deposits to total assets | 78.0708% | 6,298 |
| Equity capital to assets | 12.4408% | 1,674 |
| Core capital (leverage) ratio | 8.0237% | 6,162 |
| Tier 1 risk-based capital ratio | 9.3268% | 7,177 |
| Total risk-based capital ratio | 10.5787% | 7,182 |
| Memoranda: | ||
| Average total assets | $2,732,802,200 | 263 |
| Average earning assets | $2,382,435,200 | 268 |
| Average equity | $346,990,600 | 232 |
| Average total loans | $2,034,583,000 | 237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 5,847 |
| Cost of funding earning assets | 1.4953% | 3,009 |
| Net interest margin | 3.2560% | 6,152 |
| Noninterest income to average assets | 0.7021% | 2,806 |
| Noninterest expense to average assets | 2.5878% | 5,371 |
| Loan and lease loss provision to assets | 0.3217% | 4,015 |
| Net operating income to assets | 0.4820% | 4,395 |
| Return on assets (ROA) | 0.4820% | 4,595 |
| Pretax return on assets | 0.6268% | 4,503 |
| Return on Equity (ROE) | 3.7761% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.7761% | 3,806 |
| Net charge-offs to loans | 0.4321% | 3,567 |
| Credit loss provision to net charge-offs | 100.3074% | 4,299 |
| Earnings coverage of net charge-offs (x) | 2.9576% | 3,650 |
| Efficiency ratio | 70.7352% | 3,930 |
| Assets per employee ($millions) | 5.2368% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 3,742 |
| Loan loss allowance to noncurrent loans | 186.8200% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 5,670 |
| Noncurrent loans to loans | 0.8282% | 5,561 |
| Net loans and leases to total assets | 73.2627% | 1,963 |
| Net loans and leases to deposits | 97.0044% | 884 |
| Net loans and leases to core deposits | 104.9247% | 1,406 |
| Total domestic deposits to total assets | 75.5251% | 6,736 |
| Equity capital to assets | 12.5438% | 1,832 |
| Core capital (leverage) ratio | 8.0727% | 6,241 |
| Tier 1 risk-based capital ratio | 9.5008% | 7,257 |
| Total risk-based capital ratio | 10.7533% | 7,250 |
| Memoranda: | ||
| Average total assets | $2,704,698,500 | 262 |
| Average earning assets | $2,354,418,750 | 269 |
| Average equity | $345,246,250 | 229 |
| Average total loans | $2,007,427,500 | 241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 5,996 |
| Cost of funding earning assets | 1.5269% | 3,092 |
| Net interest margin | 3.2179% | 6,261 |
| Noninterest income to average assets | 0.7269% | 2,539 |
| Noninterest expense to average assets | 2.6102% | 5,279 |
| Loan and lease loss provision to assets | 0.3372% | 3,714 |
| Net operating income to assets | 0.4547% | 4,531 |
| Return on assets (ROA) | 0.4547% | 4,690 |
| Pretax return on assets | 0.5806% | 4,623 |
| Return on Equity (ROE) | 3.5409% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.5409% | 3,855 |
| Net charge-offs to loans | 0.4515% | 3,181 |
| Credit loss provision to net charge-offs | 100.7121% | 4,043 |
| Earnings coverage of net charge-offs (x) | 2.7412% | 3,620 |
| Efficiency ratio | 71.5200% | 3,899 |
| Assets per employee ($millions) | 5.1919% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 3,566 |
| Loan loss allowance to noncurrent loans | 189.6730% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 5,683 |
| Noncurrent loans to loans | 0.8299% | 5,622 |
| Net loans and leases to total assets | 73.3346% | 2,076 |
| Net loans and leases to deposits | 96.5006% | 1,005 |
| Net loans and leases to core deposits | 104.6281% | 1,574 |
| Total domestic deposits to total assets | 75.9940% | 6,696 |
| Equity capital to assets | 12.7362% | 1,675 |
| Core capital (leverage) ratio | 8.0716% | 6,164 |
| Tier 1 risk-based capital ratio | 9.4706% | 7,271 |
| Total risk-based capital ratio | 10.7230% | 7,275 |
| Memoranda: | ||
| Average total assets | $2,684,596,000 | 264 |
| Average earning assets | $2,336,872,000 | 272 |
| Average equity | $344,716,000 | 229 |
| Average total loans | $1,990,718,670 | 244 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 6,147 |
| Cost of funding earning assets | 1.5425% | 3,314 |
| Net interest margin | 3.1836% | 6,343 |
| Noninterest income to average assets | 0.7497% | 2,304 |
| Noninterest expense to average assets | 2.6316% | 5,224 |
| Loan and lease loss provision to assets | 0.3486% | 3,290 |
| Net operating income to assets | 0.4427% | 4,649 |
| Return on assets (ROA) | 0.4427% | 4,781 |
| Pretax return on assets | 0.5435% | 4,805 |
| Return on Equity (ROE) | 3.4333% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.4333% | 4,097 |
| Net charge-offs to loans | 0.4686% | 2,642 |
| Credit loss provision to net charge-offs | 100.5620% | 3,371 |
| Earnings coverage of net charge-offs (x) | 2.5737% | 3,252 |
| Efficiency ratio | 72.1995% | 3,897 |
| Assets per employee ($millions) | 5.0505% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 3,420 |
| Loan loss allowance to noncurrent loans | 146.4884% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 5,277 |
| Noncurrent loans to loans | 1.0956% | 5,168 |
| Net loans and leases to total assets | 73.0383% | 2,190 |
| Net loans and leases to deposits | 94.5928% | 1,281 |
| Net loans and leases to core deposits | 102.6619% | 1,845 |
| Total domestic deposits to total assets | 77.2134% | 6,513 |
| Equity capital to assets | 12.8973% | 1,562 |
| Core capital (leverage) ratio | 8.0534% | 6,157 |
| Tier 1 risk-based capital ratio | 9.4607% | 7,321 |
| Total risk-based capital ratio | 10.7139% | 7,318 |
| Memoranda: | ||
| Average total assets | $2,669,221,500 | 278 |
| Average earning assets | $2,325,820,000 | 285 |
| Average equity | $344,158,500 | 234 |
| Average total loans | $1,974,510,000 | 254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 6,617 |
| Cost of funding earning assets | 1.9168% | 3,369 |
| Net interest margin | 3.0243% | 6,582 |
| Noninterest income to average assets | 0.5857% | 3,746 |
| Noninterest expense to average assets | 2.5213% | 6,055 |
| Loan and lease loss provision to assets | 1.7975% | 1,259 |
| Net operating income to assets | -0.6192% | 6,290 |
| Return on assets (ROA) | -0.6193% | 6,286 |
| Pretax return on assets | -1.0718% | 6,463 |
| Return on Equity (ROE) | -4.5040% | 6,160 |
| Retained earnings to average equity (ytd only) | -7.7906% | 6,328 |
| Net charge-offs to loans | 1.9579% | 1,259 |
| Credit loss provision to net charge-offs | 122.9458% | 4,300 |
| Earnings coverage of net charge-offs (x) | 0.4965% | 5,612 |
| Efficiency ratio | 74.6970% | 3,760 |
| Assets per employee ($millions) | 5.0221% | 2,187 |
| Cash dividends to net income (ytd only)* | -72.9705% | 7,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 3,207 |
| Loan loss allowance to noncurrent loans | 82.0211% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 4,229 |
| Noncurrent loans to loans | 1.9732% | 3,683 |
| Net loans and leases to total assets | 72.5233% | 2,630 |
| Net loans and leases to deposits | 96.1098% | 1,315 |
| Net loans and leases to core deposits | 119.2459% | 2,007 |
| Total domestic deposits to total assets | 75.4588% | 6,784 |
| Equity capital to assets | 12.8899% | 1,549 |
| Core capital (leverage) ratio | 7.8557% | 6,381 |
| Tier 1 risk-based capital ratio | 9.4542% | 7,257 |
| Total risk-based capital ratio | 10.7075% | 7,230 |
| Memoranda: | ||
| Average total assets | $2,655,308,200 | 278 |
| Average earning assets | $2,336,784,800 | 289 |
| Average equity | $365,117,600 | 225 |
| Average total loans | $1,982,832,800 | 262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 6,731 |
| Cost of funding earning assets | 1.9732% | 3,501 |
| Net interest margin | 2.9882% | 6,633 |
| Noninterest income to average assets | 0.7019% | 3,003 |
| Noninterest expense to average assets | 2.4474% | 6,261 |
| Loan and lease loss provision to assets | 0.4524% | 3,656 |
| Net operating income to assets | 0.3844% | 4,457 |
| Return on assets (ROA) | 0.3842% | 4,565 |
| Pretax return on assets | 0.4388% | 4,694 |
| Return on Equity (ROE) | 2.7511% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.0313% | 4,184 |
| Net charge-offs to loans | 0.5107% | 3,177 |
| Credit loss provision to net charge-offs | 118.2499% | 4,294 |
| Earnings coverage of net charge-offs (x) | 2.3299% | 4,076 |
| Efficiency ratio | 70.3708% | 4,518 |
| Assets per employee ($millions) | 5.0565% | 2,077 |
| Cash dividends to net income (ytd only)* | 26.1643% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 4,996 |
| Loan loss allowance to noncurrent loans | 100.8425% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 5,239 |
| Noncurrent loans to loans | 1.2122% | 4,919 |
| Net loans and leases to total assets | 74.2423% | 2,458 |
| Net loans and leases to deposits | 98.9318% | 1,221 |
| Net loans and leases to core deposits | 122.8018% | 2,011 |
| Total domestic deposits to total assets | 75.0440% | 6,767 |
| Equity capital to assets | 14.2546% | 1,221 |
| Core capital (leverage) ratio | 9.3019% | 4,189 |
| Tier 1 risk-based capital ratio | 11.0901% | 5,862 |
| Total risk-based capital ratio | 12.2562% | 5,915 |
| Memoranda: | ||
| Average total assets | $2,652,457,250 | 288 |
| Average earning assets | $2,340,553,500 | 298 |
| Average equity | $370,463,000 | 230 |
| Average total loans | $1,987,090,000 | 273 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 6,763 |
| Cost of funding earning assets | 2.0134% | 3,708 |
| Net interest margin | 2.9889% | 6,583 |
| Noninterest income to average assets | 0.6821% | 3,101 |
| Noninterest expense to average assets | 2.4627% | 6,250 |
| Loan and lease loss provision to assets | 0.3540% | 3,804 |
| Net operating income to assets | 0.3932% | 4,539 |
| Return on assets (ROA) | 0.3933% | 4,645 |
| Pretax return on assets | 0.5046% | 4,605 |
| Return on Equity (ROE) | 2.8352% | 4,962 |
| Retained earnings to average equity (ytd only) | 2.8352% | 3,745 |
| Net charge-offs to loans | 0.4722% | 2,944 |
| Credit loss provision to net charge-offs | 100.1919% | 4,553 |
| Earnings coverage of net charge-offs (x) | 2.4298% | 3,854 |
| Efficiency ratio | 71.2050% | 4,558 |
| Assets per employee ($millions) | 5.0778% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,197 |
| Loan loss allowance to noncurrent loans | 194.0474% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 6,313 |
| Noncurrent loans to loans | 0.5973% | 6,063 |
| Net loans and leases to total assets | 73.8675% | 2,740 |
| Net loans and leases to deposits | 98.3410% | 1,481 |
| Net loans and leases to core deposits | 123.1354% | 2,101 |
| Total domestic deposits to total assets | 75.1136% | 6,742 |
| Equity capital to assets | 14.1233% | 1,265 |
| Core capital (leverage) ratio | 9.2109% | 4,292 |
| Tier 1 risk-based capital ratio | 11.2474% | 5,646 |
| Total risk-based capital ratio | 12.3688% | 5,672 |
| Memoranda: | ||
| Average total assets | $2,655,088,330 | 294 |
| Average earning assets | $2,344,385,330 | 304 |
| Average equity | $368,293,000 | 233 |
| Average total loans | $1,986,892,330 | 284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 6,731 |
| Cost of funding earning assets | 2.0150% | 4,057 |
| Net interest margin | 3.0580% | 6,310 |
| Noninterest income to average assets | 0.6922% | 2,937 |
| Noninterest expense to average assets | 2.4509% | 6,021 |
| Loan and lease loss provision to assets | 0.3760% | 3,072 |
| Net operating income to assets | 0.4404% | 4,695 |
| Return on assets (ROA) | 0.4402% | 4,869 |
| Pretax return on assets | 0.5731% | 4,835 |
| Return on Equity (ROE) | 3.2022% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.2022% | 4,089 |
| Net charge-offs to loans | 0.5031% | 2,206 |
| Credit loss provision to net charge-offs | 99.8004% | 3,806 |
| Earnings coverage of net charge-offs (x) | 2.5202% | 3,489 |
| Efficiency ratio | 69.2097% | 4,739 |
| Assets per employee ($millions) | 5.2726% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,054 |
| Loan loss allowance to noncurrent loans | 179.8995% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 6,017 |
| Noncurrent loans to loans | 0.6447% | 5,797 |
| Net loans and leases to total assets | 72.5823% | 3,101 |
| Net loans and leases to deposits | 98.3600% | 1,615 |
| Net loans and leases to core deposits | 121.8288% | 2,269 |
| Total domestic deposits to total assets | 73.7925% | 6,921 |
| Equity capital to assets | 13.6845% | 1,470 |
| Core capital (leverage) ratio | 9.1109% | 4,538 |
| Tier 1 risk-based capital ratio | 11.0904% | 5,821 |
| Total risk-based capital ratio | 12.2114% | 5,848 |
| Memoranda: | ||
| Average total assets | $2,659,867,000 | 293 |
| Average earning assets | $2,355,492,500 | 304 |
| Average equity | $365,622,000 | 233 |
| Average total loans | $1,991,786,500 | 285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9777% | 5,655 |
| Cost of funding earning assets | 2.4999% | 4,207 |
| Net interest margin | 3.4777% | 5,373 |
| Noninterest income to average assets | 0.7079% | 3,074 |
| Noninterest expense to average assets | 2.3869% | 6,440 |
| Loan and lease loss provision to assets | 0.1808% | 5,088 |
| Net operating income to assets | 0.8629% | 3,157 |
| Return on assets (ROA) | 0.8622% | 3,013 |
| Pretax return on assets | 1.1990% | 2,643 |
| Return on Equity (ROE) | 6.4048% | 3,795 |
| Retained earnings to average equity (ytd only) | 1.4185% | 4,369 |
| Net charge-offs to loans | 0.1917% | 4,271 |
| Credit loss provision to net charge-offs | 120.9081% | 4,439 |
| Earnings coverage of net charge-offs (x) | 9.2307% | 2,729 |
| Efficiency ratio | 60.1253% | 6,315 |
| Assets per employee ($millions) | 5.1888% | 1,736 |
| Cash dividends to net income (ytd only)* | 77.8531% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 4,991 |
| Loan loss allowance to noncurrent loans | 174.9504% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 5,631 |
| Noncurrent loans to loans | 0.6518% | 5,414 |
| Net loans and leases to total assets | 75.4932% | 2,764 |
| Net loans and leases to deposits | 105.7624% | 1,145 |
| Net loans and leases to core deposits | 130.1569% | 1,841 |
| Total domestic deposits to total assets | 71.3800% | 7,107 |
| Equity capital to assets | 13.8086% | 1,492 |
| Core capital (leverage) ratio | 9.3368% | 4,248 |
| Tier 1 risk-based capital ratio | 11.1599% | 5,586 |
| Total risk-based capital ratio | 12.2821% | 5,592 |
| Memoranda: | ||
| Average total assets | $2,532,515,000 | 298 |
| Average earning assets | $2,228,055,800 | 303 |
| Average equity | $340,930,400 | 250 |
| Average total loans | $1,976,030,200 | 277 |