Home > BMW Bank of North America > Performance and Condition Ratios
BMW Bank of North America, 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 | 5.2331% | 1,601 |
| Cost of funding earning assets | 2.4230% | 435 |
| Net interest margin | 2.8101% | 3,641 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 0.7292% | 4,522 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.0531% | 434 |
| Return on assets (ROA) | 2.0531% | 418 |
| Pretax return on assets | 2.7695% | 261 |
| Return on Equity (ROE) | 14.1900% | 1,445 |
| Retained earnings to average equity (ytd only) | 0.8760% | 3,858 |
| Net charge-offs to loans | 0.1132% | 836 |
| Credit loss provision to net charge-offs | 122.9872% | 1,653 |
| Earnings coverage of net charge-offs (x) | 33.3423% | 1,564 |
| Efficiency ratio | 20.2285% | 4,526 |
| Assets per employee ($millions) | 398.6562% | 4 |
| Cash dividends to net income (ytd only)* | 93.8256% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1826% | 4,449 |
| Loan loss allowance to noncurrent loans | 109.8839% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,693 |
| Noncurrent loans to loans | 0.1662% | 2,687 |
| Net loans and leases to total assets | 76.1200% | 1,101 |
| Net loans and leases to deposits | 118.5422% | 92 |
| Net loans and leases to core deposits | 529.6241% | 42 |
| Total domestic deposits to total assets | 64.2200% | 4,403 |
| Equity capital to assets | 15.1114% | 542 |
| Core capital (leverage) ratio | 15.1429% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4642% | 1,191 |
| Memoranda: | ||
| Average total assets | $11,924,117,200 | 145 |
| Average earning assets | $11,855,186,200 | 132 |
| Average equity | $1,725,637,400 | 105 |
| Average total loans | $9,082,854,400 | 133 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 1,736 |
| Cost of funding earning assets | 2.2572% | 449 |
| Net interest margin | 2.7905% | 3,736 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 0.7206% | 4,550 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.0312% | 480 |
| Return on assets (ROA) | 2.0312% | 472 |
| Pretax return on assets | 2.6818% | 320 |
| Return on Equity (ROE) | 14.2600% | 1,593 |
| Retained earnings to average equity (ytd only) | -3.8069% | 4,393 |
| Net charge-offs to loans | 0.0968% | 805 |
| Credit loss provision to net charge-offs | 242.1716% | 1,006 |
| Earnings coverage of net charge-offs (x) | 38.7745% | 1,463 |
| Efficiency ratio | 20.1223% | 4,551 |
| Assets per employee ($millions) | 397.2587% | 4 |
| Cash dividends to net income (ytd only)* | 126.6891% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4385% | 4,386 |
| Loan loss allowance to noncurrent loans | 263.7807% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 2,716 |
| Noncurrent loans to loans | 0.1663% | 2,709 |
| Net loans and leases to total assets | 75.9700% | 1,127 |
| Net loans and leases to deposits | 115.8647% | 111 |
| Net loans and leases to core deposits | 490.9339% | 10 |
| Total domestic deposits to total assets | 65.5700% | 4,411 |
| Equity capital to assets | 14.4324% | 594 |
| Core capital (leverage) ratio | 14.6605% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0298% | 1,311 |
| Memoranda: | ||
| Average total assets | $11,901,431,750 | 147 |
| Average earning assets | $11,835,978,500 | 132 |
| Average equity | $1,694,759,000 | 106 |
| Average total loans | $9,073,370,250 | 134 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 1,857 |
| Cost of funding earning assets | 2.0888% | 420 |
| Net interest margin | 2.7720% | 3,866 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 0.7170% | 4,580 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.0948% | 408 |
| Return on assets (ROA) | 2.0948% | 403 |
| Pretax return on assets | 2.7597% | 261 |
| Return on Equity (ROE) | 14.7800% | 1,514 |
| Retained earnings to average equity (ytd only) | -12.4650% | 4,540 |
| Net charge-offs to loans | 0.0925% | 708 |
| Credit loss provision to net charge-offs | 115.9628% | 1,344 |
| Earnings coverage of net charge-offs (x) | 40.3255% | 1,396 |
| Efficiency ratio | 20.1489% | 4,576 |
| Assets per employee ($millions) | 398.0735% | 3 |
| Cash dividends to net income (ytd only)* | 184.3514% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3419% | 4,463 |
| Loan loss allowance to noncurrent loans | 256.0043% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 2,823 |
| Noncurrent loans to loans | 0.1335% | 2,803 |
| Net loans and leases to total assets | 76.1300% | 1,035 |
| Net loans and leases to deposits | 112.3229% | 172 |
| Net loans and leases to core deposits | 487.6019% | 9 |
| Total domestic deposits to total assets | 67.7800% | 4,413 |
| Equity capital to assets | 13.9956% | 646 |
| Core capital (leverage) ratio | 14.1936% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4011% | 1,455 |
| Memoranda: | ||
| Average total assets | $11,895,988,667 | 143 |
| Average earning assets | $11,833,830,333 | 131 |
| Average equity | $1,686,340,333 | 104 |
| Average total loans | $9,066,479,333 | 130 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 1,835 |
| Cost of funding earning assets | 1.9146% | 353 |
| Net interest margin | 2.7923% | 3,954 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 0.7152% | 4,651 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.0914% | 432 |
| Return on assets (ROA) | 2.0914% | 426 |
| Pretax return on assets | 2.7407% | 275 |
| Return on Equity (ROE) | 14.6600% | 1,632 |
| Retained earnings to average equity (ytd only) | -39.5844% | 4,658 |
| Net charge-offs to loans | 0.1005% | 595 |
| Credit loss provision to net charge-offs | 150.5504% | 947 |
| Earnings coverage of net charge-offs (x) | 37.3272% | 1,217 |
| Efficiency ratio | 20.0268% | 4,644 |
| Assets per employee ($millions) | 423.5501% | 3 |
| Cash dividends to net income (ytd only)* | 370.0184% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3502% | 4,520 |
| Loan loss allowance to noncurrent loans | 290.9859% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 2,895 |
| Noncurrent loans to loans | 0.1204% | 2,911 |
| Net loans and leases to total assets | 75.9800% | 976 |
| Net loans and leases to deposits | 113.8505% | 127 |
| Net loans and leases to core deposits | 477.9728% | 10 |
| Total domestic deposits to total assets | 66.7400% | 4,477 |
| Equity capital to assets | 13.5908% | 656 |
| Core capital (leverage) ratio | 13.5826% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9491% | 1,641 |
| Memoranda: | ||
| Average total assets | $11,872,880,500 | 145 |
| Average earning assets | $11,808,880,500 | 135 |
| Average equity | $1,693,817,500 | 107 |
| Average total loans | $9,038,027,000 | 134 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 2,702 |
| Cost of funding earning assets | 1.1129% | 99 |
| Net interest margin | 2.5193% | 4,268 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 0.6850% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9510% | 327 |
| Return on assets (ROA) | 1.9510% | 316 |
| Pretax return on assets | 2.5833% | 192 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 2.3302% | 3,909 |
| Net charge-offs to loans | 0.0304% | 1,462 |
| Credit loss provision to net charge-offs | -10.6195% | 4,548 |
| Earnings coverage of net charge-offs (x) | 112.0737% | 918 |
| Efficiency ratio | 20.9743% | 4,687 |
| Assets per employee ($millions) | 424.5128% | 3 |
| Cash dividends to net income (ytd only)* | 82.6925% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2878% | 4,555 |
| Loan loss allowance to noncurrent loans | 176.0802% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,657 |
| Noncurrent loans to loans | 0.1635% | 2,672 |
| Net loans and leases to total assets | 75.7800% | 1,030 |
| Net loans and leases to deposits | 119.1186% | 74 |
| Net loans and leases to core deposits | 474.6092% | 10 |
| Total domestic deposits to total assets | 63.6200% | 4,548 |
| Equity capital to assets | 14.9402% | 476 |
| Core capital (leverage) ratio | 15.0405% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3683% | 1,276 |
| Memoranda: | ||
| Average total assets | $11,776,691,200 | 144 |
| Average earning assets | $11,705,324,200 | 136 |
| Average equity | $1,706,586,800 | 112 |
| Average total loans | $8,923,786,600 | 133 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 2,944 |
| Cost of funding earning assets | 0.9613% | 73 |
| Net interest margin | 2.4265% | 4,286 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 0.6795% | 4,719 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.9138% | 335 |
| Return on assets (ROA) | 1.9138% | 332 |
| Pretax return on assets | 2.5168% | 213 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | -1.6853% | 4,473 |
| Net charge-offs to loans | 0.0191% | 1,457 |
| Credit loss provision to net charge-offs | -135.2941% | 4,650 |
| Earnings coverage of net charge-offs (x) | 172.5929% | 681 |
| Efficiency ratio | 21.3892% | 4,719 |
| Assets per employee ($millions) | 420.4389% | 3 |
| Cash dividends to net income (ytd only)* | 112.6614% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2921% | 4,589 |
| Loan loss allowance to noncurrent loans | 219.9103% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,949 |
| Noncurrent loans to loans | 0.1328% | 2,972 |
| Net loans and leases to total assets | 75.4000% | 974 |
| Net loans and leases to deposits | 119.5584% | 56 |
| Net loans and leases to core deposits | 458.8872% | 9 |
| Total domestic deposits to total assets | 63.0700% | 4,609 |
| Equity capital to assets | 14.5398% | 498 |
| Core capital (leverage) ratio | 14.5583% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9082% | 1,455 |
| Memoranda: | ||
| Average total assets | $11,749,274,500 | 146 |
| Average earning assets | $11,679,203,500 | 135 |
| Average equity | $1,689,272,000 | 115 |
| Average total loans | $8,896,400,000 | 132 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 3,046 |
| Cost of funding earning assets | 0.8602% | 70 |
| Net interest margin | 2.3409% | 4,286 |
| Noninterest income to average assets | 0.7697% | 1,124 |
| Noninterest expense to average assets | 0.6738% | 4,743 |
| Loan and lease loss provision to assets | -0.0357% | 4,478 |
| Net operating income to assets | 1.8783% | 283 |
| Return on assets (ROA) | 1.8783% | 281 |
| Pretax return on assets | 2.4595% | 177 |
| Return on Equity (ROE) | 13.1137% | 1,353 |
| Retained earnings to average equity (ytd only) | -9.4810% | 4,652 |
| Net charge-offs to loans | 0.0204% | 1,326 |
| Credit loss provision to net charge-offs | -230.7607% | 3,235 |
| Earnings coverage of net charge-offs (x) | 156.8908% | 625 |
| Efficiency ratio | 21.7508% | 4,750 |
| Assets per employee ($millions) | 420.1332% | 5 |
| Cash dividends to net income (ytd only)* | 172.2981% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2922% | 4,663 |
| Loan loss allowance to noncurrent loans | 243.3545% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 3,083 |
| Noncurrent loans to loans | 0.1201% | 3,132 |
| Net loans and leases to total assets | 75.4057% | 784 |
| Net loans and leases to deposits | 119.5843% | 45 |
| Net loans and leases to core deposits | 451.1948% | 10 |
| Total domestic deposits to total assets | 63.0565% | 4,671 |
| Equity capital to assets | 14.1412% | 491 |
| Core capital (leverage) ratio | 13.7240% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4200% | 1,595 |
| Memoranda: | ||
| Average total assets | $11,741,603,333 | 144 |
| Average earning assets | $11,676,680,000 | 136 |
| Average equity | $1,681,807,667 | 117 |
| Average total loans | $8,894,342,667 | 133 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 3,116 |
| Cost of funding earning assets | 0.8182% | 80 |
| Net interest margin | 2.2278% | 4,316 |
| Noninterest income to average assets | 0.7730% | 1,106 |
| Noninterest expense to average assets | 0.6797% | 4,767 |
| Loan and lease loss provision to assets | -0.0718% | 4,552 |
| Net operating income to assets | 1.7924% | 337 |
| Return on assets (ROA) | 1.7924% | 336 |
| Pretax return on assets | 2.3823% | 209 |
| Return on Equity (ROE) | 12.4342% | 1,187 |
| Retained earnings to average equity (ytd only) | -32.5111% | 4,753 |
| Net charge-offs to loans | 0.0402% | 883 |
| Credit loss provision to net charge-offs | -235.9462% | 3,003 |
| Earnings coverage of net charge-offs (x) | 75.8768% | 766 |
| Efficiency ratio | 22.7301% | 4,771 |
| Assets per employee ($millions) | 392.1594% | 5 |
| Cash dividends to net income (ytd only)* | 361.4641% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2914% | 4,689 |
| Loan loss allowance to noncurrent loans | 246.0956% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,180 |
| Noncurrent loans to loans | 0.1184% | 3,235 |
| Net loans and leases to total assets | 75.6172% | 531 |
| Net loans and leases to deposits | 115.4586% | 43 |
| Net loans and leases to core deposits | 449.1696% | 11 |
| Total domestic deposits to total assets | 65.4930% | 4,698 |
| Equity capital to assets | 13.7416% | 564 |
| Core capital (leverage) ratio | 13.3278% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8831% | 1,846 |
| Memoranda: | ||
| Average total assets | $11,730,540,000 | 146 |
| Average earning assets | $11,674,286,500 | 137 |
| Average equity | $1,690,945,000 | 119 |
| Average total loans | $8,893,251,500 | 133 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 3,318 |
| Cost of funding earning assets | 1.0882% | 49 |
| Net interest margin | 2.1745% | 4,501 |
| Noninterest income to average assets | 0.7049% | 1,752 |
| Noninterest expense to average assets | 0.6688% | 4,801 |
| Loan and lease loss provision to assets | -0.5585% | 4,817 |
| Net operating income to assets | 2.0793% | 296 |
| Return on assets (ROA) | 2.0793% | 310 |
| Pretax return on assets | 2.7543% | 186 |
| Return on Equity (ROE) | 14.4469% | 1,075 |
| Retained earnings to average equity (ytd only) | 7.8415% | 1,604 |
| Net charge-offs to loans | -0.0588% | 4,399 |
| Credit loss provision to net charge-offs | 1,255.6549% | 445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.3460% | 4,816 |
| Assets per employee ($millions) | 433.1962% | 7 |
| Cash dividends to net income (ytd only)* | 45.7219% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3272% | 4,711 |
| Loan loss allowance to noncurrent loans | 306.9108% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 3,377 |
| Noncurrent loans to loans | 0.1066% | 3,395 |
| Net loans and leases to total assets | 75.5393% | 547 |
| Net loans and leases to deposits | 115.0097% | 57 |
| Net loans and leases to core deposits | 445.3141% | 10 |
| Total domestic deposits to total assets | 65.6808% | 4,733 |
| Equity capital to assets | 15.0922% | 483 |
| Core capital (leverage) ratio | 14.4595% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2503% | 1,445 |
| Memoranda: | ||
| Average total assets | $11,570,372,800 | 144 |
| Average earning assets | $11,491,315,200 | 136 |
| Average equity | $1,665,307,600 | 127 |
| Average total loans | $8,749,567,200 | 134 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3127% | 3,354 |
| Cost of funding earning assets | 1.1465% | 46 |
| Net interest margin | 2.1662% | 4,589 |
| Noninterest income to average assets | 0.6902% | 1,858 |
| Noninterest expense to average assets | 0.6599% | 4,887 |
| Loan and lease loss provision to assets | -0.5210% | 4,884 |
| Net operating income to assets | 2.0338% | 438 |
| Return on assets (ROA) | 2.0338% | 461 |
| Pretax return on assets | 2.7014% | 250 |
| Return on Equity (ROE) | 14.3065% | 1,312 |
| Retained earnings to average equity (ytd only) | 5.3655% | 3,080 |
| Net charge-offs to loans | -0.0819% | 4,540 |
| Credit loss provision to net charge-offs | 842.0542% | 568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.2332% | 4,890 |
| Assets per employee ($millions) | 375.7338% | 7 |
| Cash dividends to net income (ytd only)* | 62.4964% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 4,667 |
| Loan loss allowance to noncurrent loans | 509.5995% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 3,552 |
| Noncurrent loans to loans | 0.1087% | 3,551 |
| Net loans and leases to total assets | 75.1231% | 605 |
| Net loans and leases to deposits | 113.9861% | 71 |
| Net loans and leases to core deposits | 463.7795% | 12 |
| Total domestic deposits to total assets | 65.9055% | 4,796 |
| Equity capital to assets | 14.6187% | 611 |
| Core capital (leverage) ratio | 13.9383% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8527% | 1,666 |
| Memoranda: | ||
| Average total assets | $11,538,891,750 | 144 |
| Average earning assets | $11,452,812,750 | 139 |
| Average equity | $1,640,328,500 | 128 |
| Average total loans | $8,720,884,250 | 135 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3670% | 3,274 |
| Cost of funding earning assets | 1.2031% | 42 |
| Net interest margin | 2.1639% | 4,622 |
| Noninterest income to average assets | 0.6721% | 1,920 |
| Noninterest expense to average assets | 0.6521% | 4,922 |
| Loan and lease loss provision to assets | -0.4335% | 4,893 |
| Net operating income to assets | 1.9575% | 524 |
| Return on assets (ROA) | 1.9575% | 546 |
| Pretax return on assets | 2.6013% | 303 |
| Return on Equity (ROE) | 13.9031% | 1,440 |
| Retained earnings to average equity (ytd only) | 0.3189% | 4,460 |
| Net charge-offs to loans | -0.0903% | 4,595 |
| Credit loss provision to net charge-offs | 635.0229% | 602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1244% | 4,924 |
| Assets per employee ($millions) | 383.6419% | 6 |
| Cash dividends to net income (ytd only)* | 97.7066% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,400 |
| Loan loss allowance to noncurrent loans | 525.1012% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 3,482 |
| Noncurrent loans to loans | 0.1479% | 3,463 |
| Net loans and leases to total assets | 74.9079% | 685 |
| Net loans and leases to deposits | 115.1598% | 74 |
| Net loans and leases to core deposits | 507.6691% | 12 |
| Total domestic deposits to total assets | 65.0469% | 4,833 |
| Equity capital to assets | 14.2541% | 664 |
| Core capital (leverage) ratio | 13.4967% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5901% | 1,771 |
| Memoranda: | ||
| Average total assets | $11,502,606,000 | 143 |
| Average earning assets | $11,417,384,000 | 139 |
| Average equity | $1,619,522,000 | 129 |
| Average total loans | $8,694,885,667 | 134 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 3,141 |
| Cost of funding earning assets | 1.2698% | 42 |
| Net interest margin | 2.1490% | 4,654 |
| Noninterest income to average assets | 0.6526% | 2,019 |
| Noninterest expense to average assets | 0.6479% | 4,952 |
| Loan and lease loss provision to assets | -0.2670% | 4,844 |
| Net operating income to assets | 1.8111% | 770 |
| Return on assets (ROA) | 1.8111% | 821 |
| Pretax return on assets | 2.4047% | 516 |
| Return on Equity (ROE) | 12.9433% | 1,685 |
| Retained earnings to average equity (ytd only) | -14.4026% | 4,874 |
| Net charge-offs to loans | -0.0264% | 4,116 |
| Credit loss provision to net charge-offs | 1,334.7826% | 341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.2590% | 4,945 |
| Assets per employee ($millions) | 396.3052% | 6 |
| Cash dividends to net income (ytd only)* | 211.2744% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,058 |
| Loan loss allowance to noncurrent loans | 354.8626% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,164 |
| Noncurrent loans to loans | 0.2638% | 3,163 |
| Net loans and leases to total assets | 74.9102% | 726 |
| Net loans and leases to deposits | 113.5606% | 109 |
| Net loans and leases to core deposits | 545.8932% | 12 |
| Total domestic deposits to total assets | 65.9649% | 4,839 |
| Equity capital to assets | 13.7436% | 731 |
| Core capital (leverage) ratio | 13.1812% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1584% | 1,856 |
| Memoranda: | ||
| Average total assets | $11,499,281,000 | 143 |
| Average earning assets | $11,413,707,500 | 139 |
| Average equity | $1,609,013,000 | 130 |
| Average total loans | $8,697,924,000 | 134 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,164 |
| Cost of funding earning assets | 1.6822% | 38 |
| Net interest margin | 2.1680% | 4,774 |
| Noninterest income to average assets | 0.6231% | 2,126 |
| Noninterest expense to average assets | 0.7037% | 4,960 |
| Loan and lease loss provision to assets | 0.7393% | 196 |
| Net operating income to assets | 1.0074% | 2,262 |
| Return on assets (ROA) | 0.9933% | 2,460 |
| Pretax return on assets | 1.3234% | 1,907 |
| Return on Equity (ROE) | 6.9224% | 3,235 |
| Retained earnings to average equity (ytd only) | -3.5955% | 4,799 |
| Net charge-offs to loans | 0.1589% | 1,028 |
| Credit loss provision to net charge-offs | 619.8988% | 1,082 |
| Earnings coverage of net charge-offs (x) | 17.4042% | 2,075 |
| Efficiency ratio | 25.3209% | 4,974 |
| Assets per employee ($millions) | 426.1374% | 7 |
| Cash dividends to net income (ytd only)* | 151.9404% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,807 |
| Loan loss allowance to noncurrent loans | 286.5147% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 2,961 |
| Noncurrent loans to loans | 0.3547% | 2,929 |
| Net loans and leases to total assets | 74.8906% | 916 |
| Net loans and leases to deposits | 111.1611% | 154 |
| Net loans and leases to core deposits | 531.1045% | 13 |
| Total domestic deposits to total assets | 67.3712% | 4,829 |
| Equity capital to assets | 14.2407% | 743 |
| Core capital (leverage) ratio | 13.9452% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7121% | 1,622 |
| Memoranda: | ||
| Average total assets | $11,264,203,000 | 139 |
| Average earning assets | $11,202,361,000 | 135 |
| Average equity | $1,616,292,800 | 128 |
| Average total loans | $8,456,117,800 | 134 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 3,192 |
| Cost of funding earning assets | 1.7675% | 37 |
| Net interest margin | 2.1518% | 4,832 |
| Noninterest income to average assets | 0.6214% | 2,097 |
| Noninterest expense to average assets | 0.6918% | 5,006 |
| Loan and lease loss provision to assets | 1.0072% | 138 |
| Net operating income to assets | 0.7968% | 3,105 |
| Return on assets (ROA) | 0.7687% | 3,330 |
| Pretax return on assets | 1.0356% | 2,949 |
| Return on Equity (ROE) | 5.3471% | 3,774 |
| Retained earnings to average equity (ytd only) | -8.7247% | 4,912 |
| Net charge-offs to loans | 0.1771% | 841 |
| Credit loss provision to net charge-offs | 759.1353% | 1,017 |
| Earnings coverage of net charge-offs (x) | 15.6083% | 2,093 |
| Efficiency ratio | 25.0405% | 5,010 |
| Assets per employee ($millions) | 423.8251% | 6 |
| Cash dividends to net income (ytd only)* | 263.1660% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,400 |
| Loan loss allowance to noncurrent loans | 314.7001% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 3,151 |
| Noncurrent loans to loans | 0.3377% | 3,069 |
| Net loans and leases to total assets | 74.9388% | 1,244 |
| Net loans and leases to deposits | 112.7739% | 185 |
| Net loans and leases to core deposits | 702.8031% | 12 |
| Total domestic deposits to total assets | 66.4505% | 4,839 |
| Equity capital to assets | 13.9181% | 881 |
| Core capital (leverage) ratio | 13.7335% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4541% | 1,674 |
| Memoranda: | ||
| Average total assets | $11,203,826,000 | 138 |
| Average earning assets | $11,148,692,000 | 133 |
| Average equity | $1,610,743,750 | 128 |
| Average total loans | $8,393,856,500 | 134 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,384 |
| Cost of funding earning assets | 1.8494% | 35 |
| Net interest margin | 2.1283% | 4,912 |
| Noninterest income to average assets | 0.6274% | 2,022 |
| Noninterest expense to average assets | 0.6851% | 5,038 |
| Loan and lease loss provision to assets | 0.4577% | 837 |
| Net operating income to assets | 1.2052% | 1,626 |
| Return on assets (ROA) | 1.1601% | 1,891 |
| Pretax return on assets | 1.5582% | 1,324 |
| Return on Equity (ROE) | 7.9820% | 2,756 |
| Retained earnings to average equity (ytd only) | -13.0477% | 4,962 |
| Net charge-offs to loans | 0.2650% | 596 |
| Credit loss provision to net charge-offs | 231.4091% | 1,803 |
| Earnings coverage of net charge-offs (x) | 10.4207% | 2,152 |
| Efficiency ratio | 24.9497% | 5,037 |
| Assets per employee ($millions) | 440.2389% | 4 |
| Cash dividends to net income (ytd only)* | 263.4638% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3836% | 4,913 |
| Loan loss allowance to noncurrent loans | 185.0193% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 3,740 |
| Noncurrent loans to loans | 0.2073% | 3,640 |
| Net loans and leases to total assets | 75.0748% | 1,269 |
| Net loans and leases to deposits | 111.0814% | 212 |
| Net loans and leases to core deposits | 712.3935% | 11 |
| Total domestic deposits to total assets | 67.5854% | 4,850 |
| Equity capital to assets | 13.9235% | 871 |
| Core capital (leverage) ratio | 13.4551% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0171% | 1,810 |
| Memoranda: | ||
| Average total assets | $11,124,008,667 | 139 |
| Average earning assets | $11,073,415,000 | 133 |
| Average equity | $1,616,764,000 | 129 |
| Average total loans | $8,302,617,000 | 135 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,562 |
| Cost of funding earning assets | 1.9400% | 45 |
| Net interest margin | 2.1469% | 4,979 |
| Noninterest income to average assets | 0.6700% | 1,766 |
| Noninterest expense to average assets | 0.6942% | 5,084 |
| Loan and lease loss provision to assets | 0.1809% | 1,652 |
| Net operating income to assets | 1.4530% | 877 |
| Return on assets (ROA) | 1.4433% | 968 |
| Pretax return on assets | 1.9225% | 546 |
| Return on Equity (ROE) | 9.7174% | 1,834 |
| Retained earnings to average equity (ytd only) | -32.0441% | 5,048 |
| Net charge-offs to loans | 0.1667% | 793 |
| Credit loss provision to net charge-offs | 146.1675% | 1,595 |
| Earnings coverage of net charge-offs (x) | 17.0743% | 1,505 |
| Efficiency ratio | 24.7267% | 5,080 |
| Assets per employee ($millions) | 454.0892% | 5 |
| Cash dividends to net income (ytd only)* | 429.7596% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2380% | 5,023 |
| Loan loss allowance to noncurrent loans | 201.4562% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,166 |
| Noncurrent loans to loans | 0.1181% | 4,050 |
| Net loans and leases to total assets | 74.5885% | 1,520 |
| Net loans and leases to deposits | 103.5054% | 389 |
| Net loans and leases to core deposits | 726.1821% | 7 |
| Total domestic deposits to total assets | 72.0624% | 4,765 |
| Equity capital to assets | 13.8214% | 1,120 |
| Core capital (leverage) ratio | 14.2884% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8237% | 1,967 |
| Memoranda: | ||
| Average total assets | $10,962,907,500 | 141 |
| Average earning assets | $10,914,153,000 | 131 |
| Average equity | $1,628,291,000 | 127 |
| Average total loans | $8,140,773,000 | 136 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 4,045 |
| Cost of funding earning assets | 2.0528% | 48 |
| Net interest margin | 2.0445% | 5,089 |
| Noninterest income to average assets | 0.7569% | 1,600 |
| Noninterest expense to average assets | 0.7631% | 5,145 |
| Loan and lease loss provision to assets | 0.0871% | 2,276 |
| Net operating income to assets | 1.4433% | 1,213 |
| Return on assets (ROA) | 1.6735% | 751 |
| Pretax return on assets | 2.1664% | 408 |
| Return on Equity (ROE) | 10.6276% | 2,038 |
| Retained earnings to average equity (ytd only) | -0.0740% | 4,711 |
| Net charge-offs to loans | 0.1904% | 1,067 |
| Credit loss provision to net charge-offs | 63.4323% | 3,000 |
| Earnings coverage of net charge-offs (x) | 14.7413% | 2,267 |
| Efficiency ratio | 27.3880% | 5,143 |
| Assets per employee ($millions) | 364.6063% | 4 |
| Cash dividends to net income (ytd only)* | 100.6962% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2391% | 5,075 |
| Loan loss allowance to noncurrent loans | 205.7875% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 4,216 |
| Noncurrent loans to loans | 0.1162% | 4,069 |
| Net loans and leases to total assets | 73.5348% | 1,832 |
| Net loans and leases to deposits | 122.0546% | 74 |
| Net loans and leases to core deposits | 807.8510% | 7 |
| Total domestic deposits to total assets | 60.2474% | 5,085 |
| Equity capital to assets | 15.9601% | 611 |
| Core capital (leverage) ratio | 15.9081% | 536 |
| Tier 1 risk-based capital ratio | 16.9005% | 2,081 |
| Total risk-based capital ratio | 17.0873% | 2,406 |
| Memoranda: | ||
| Average total assets | $10,384,759,000 | 140 |
| Average earning assets | $10,308,454,800 | 127 |
| Average equity | $1,635,271,800 | 123 |
| Average total loans | $7,485,448,000 | 138 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 4,222 |
| Cost of funding earning assets | 2.0461% | 53 |
| Net interest margin | 2.0242% | 5,180 |
| Noninterest income to average assets | 0.7661% | 1,535 |
| Noninterest expense to average assets | 0.7566% | 5,225 |
| Loan and lease loss provision to assets | 0.0774% | 2,356 |
| Net operating income to assets | 1.4555% | 1,317 |
| Return on assets (ROA) | 1.7597% | 700 |
| Pretax return on assets | 2.2444% | 420 |
| Return on Equity (ROE) | 11.2134% | 1,922 |
| Retained earnings to average equity (ytd only) | -3.1699% | 4,997 |
| Net charge-offs to loans | 0.2065% | 852 |
| Credit loss provision to net charge-offs | 52.2830% | 2,770 |
| Earnings coverage of net charge-offs (x) | 13.6316% | 2,280 |
| Efficiency ratio | 27.2732% | 5,219 |
| Assets per employee ($millions) | 350.5003% | 4 |
| Cash dividends to net income (ytd only)* | 128.2690% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2434% | 5,148 |
| Loan loss allowance to noncurrent loans | 211.8772% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,312 |
| Noncurrent loans to loans | 0.1149% | 4,132 |
| Net loans and leases to total assets | 71.2686% | 2,280 |
| Net loans and leases to deposits | 117.3066% | 113 |
| Net loans and leases to core deposits | 874.7131% | 9 |
| Total domestic deposits to total assets | 60.7542% | 5,158 |
| Equity capital to assets | 15.6888% | 700 |
| Core capital (leverage) ratio | 15.7546% | 591 |
| Tier 1 risk-based capital ratio | 16.8269% | 2,140 |
| Total risk-based capital ratio | 17.0136% | 2,470 |
| Memoranda: | ||
| Average total assets | $10,337,552,750 | 139 |
| Average earning assets | $10,256,253,750 | 128 |
| Average equity | $1,622,202,250 | 123 |
| Average total loans | $7,408,337,250 | 140 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 4,423 |
| Cost of funding earning assets | 2.0235% | 53 |
| Net interest margin | 1.9531% | 5,245 |
| Noninterest income to average assets | 0.7796% | 1,410 |
| Noninterest expense to average assets | 0.7753% | 5,271 |
| Loan and lease loss provision to assets | 0.0569% | 2,687 |
| Net operating income to assets | 1.4174% | 1,384 |
| Return on assets (ROA) | 1.8760% | 532 |
| Pretax return on assets | 2.3434% | 322 |
| Return on Equity (ROE) | 11.9537% | 1,593 |
| Retained earnings to average equity (ytd only) | -9.7444% | 5,174 |
| Net charge-offs to loans | 0.2413% | 697 |
| Credit loss provision to net charge-offs | 32.8949% | 2,585 |
| Earnings coverage of net charge-offs (x) | 11.2189% | 2,217 |
| Efficiency ratio | 28.5347% | 5,263 |
| Assets per employee ($millions) | 358.0897% | 4 |
| Cash dividends to net income (ytd only)* | 181.5183% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2480% | 5,201 |
| Loan loss allowance to noncurrent loans | 244.0399% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 4,401 |
| Noncurrent loans to loans | 0.1016% | 4,219 |
| Net loans and leases to total assets | 70.0938% | 2,519 |
| Net loans and leases to deposits | 112.4844% | 177 |
| Net loans and leases to core deposits | 755.1772% | 8 |
| Total domestic deposits to total assets | 62.3142% | 5,188 |
| Equity capital to assets | 15.4997% | 709 |
| Core capital (leverage) ratio | 15.5379% | 614 |
| Tier 1 risk-based capital ratio | 16.9790% | 2,099 |
| Total risk-based capital ratio | 17.1700% | 2,391 |
| Memoranda: | ||
| Average total assets | $10,278,400,330 | 137 |
| Average earning assets | $10,196,176,330 | 130 |
| Average equity | $1,613,044,670 | 124 |
| Average total loans | $7,373,720,330 | 142 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 3,950 |
| Cost of funding earning assets | 2.0114% | 54 |
| Net interest margin | 2.1631% | 5,287 |
| Noninterest income to average assets | 0.8942% | 1,053 |
| Noninterest expense to average assets | 0.9484% | 5,325 |
| Loan and lease loss provision to assets | 0.2089% | 758 |
| Net operating income to assets | 1.4132% | 1,341 |
| Return on assets (ROA) | 1.4132% | 1,367 |
| Pretax return on assets | 1.8818% | 825 |
| Return on Equity (ROE) | 8.9486% | 2,832 |
| Retained earnings to average equity (ytd only) | -34.4011% | 5,318 |
| Net charge-offs to loans | 0.3154% | 477 |
| Credit loss provision to net charge-offs | 91.3772% | 1,706 |
| Earnings coverage of net charge-offs (x) | 9.1439% | 2,048 |
| Efficiency ratio | 31.2052% | 5,308 |
| Assets per employee ($millions) | 321.3726% | 4 |
| Cash dividends to net income (ytd only)* | 484.4291% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3977% | 5,178 |
| Loan loss allowance to noncurrent loans | 236.2197% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,191 |
| Noncurrent loans to loans | 0.1684% | 3,995 |
| Net loans and leases to total assets | 72.2838% | 2,106 |
| Net loans and leases to deposits | 117.3972% | 112 |
| Net loans and leases to core deposits | 780.8616% | 11 |
| Total domestic deposits to total assets | 61.5720% | 5,267 |
| Equity capital to assets | 15.0580% | 745 |
| Core capital (leverage) ratio | 15.1200% | 672 |
| Tier 1 risk-based capital ratio | 16.0108% | 2,435 |
| Total risk-based capital ratio | 16.3178% | 2,775 |
| Memoranda: | ||
| Average total assets | $10,225,299,500 | 138 |
| Average earning assets | $10,139,324,000 | 131 |
| Average equity | $1,614,773,500 | 123 |
| Average total loans | $7,412,049,500 | 142 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 2,187 |
| Cost of funding earning assets | 1.8408% | 22 |
| Net interest margin | 2.7401% | 5,071 |
| Noninterest income to average assets | 0.9115% | 1,153 |
| Noninterest expense to average assets | 0.9527% | 5,360 |
| Loan and lease loss provision to assets | 0.1747% | 1,137 |
| Net operating income to assets | 1.8815% | 470 |
| Return on assets (ROA) | 1.8815% | 465 |
| Pretax return on assets | 2.4606% | 227 |
| Return on Equity (ROE) | 11.7246% | 1,808 |
| Retained earnings to average equity (ytd only) | 3.0378% | 3,878 |
| Net charge-offs to loans | 0.2940% | 662 |
| Credit loss provision to net charge-offs | 81.2144% | 2,847 |
| Earnings coverage of net charge-offs (x) | 12.2487% | 2,549 |
| Efficiency ratio | 26.5519% | 5,374 |
| Assets per employee ($millions) | 308.0811% | 5 |
| Cash dividends to net income (ytd only)* | 74.0905% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4101% | 5,203 |
| Loan loss allowance to noncurrent loans | 171.9061% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,946 |
| Noncurrent loans to loans | 0.2385% | 3,726 |
| Net loans and leases to total assets | 72.1045% | 2,242 |
| Net loans and leases to deposits | 119.6441% | 99 |
| Net loans and leases to core deposits | 1,125.1886% | 9 |
| Total domestic deposits to total assets | 60.2658% | 5,313 |
| Equity capital to assets | 16.5344% | 461 |
| Core capital (leverage) ratio | 16.1537% | 495 |
| Tier 1 risk-based capital ratio | 17.5958% | 1,870 |
| Total risk-based capital ratio | 17.9112% | 2,129 |
| Memoranda: | ||
| Average total assets | $10,042,708,600 | 134 |
| Average earning assets | $9,809,527,800 | 126 |
| Average equity | $1,611,640,600 | 116 |
| Average total loans | $7,350,344,600 | 135 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 2,193 |
| Cost of funding earning assets | 1.8033% | 16 |
| Net interest margin | 2.7259% | 5,148 |
| Noninterest income to average assets | 0.9079% | 1,177 |
| Noninterest expense to average assets | 0.9585% | 5,429 |
| Loan and lease loss provision to assets | 0.1836% | 993 |
| Net operating income to assets | 1.8524% | 547 |
| Return on assets (ROA) | 1.8524% | 543 |
| Pretax return on assets | 2.4184% | 270 |
| Return on Equity (ROE) | 11.6324% | 1,940 |
| Retained earnings to average equity (ytd only) | -0.0757% | 5,045 |
| Net charge-offs to loans | 0.2848% | 588 |
| Credit loss provision to net charge-offs | 87.8297% | 2,445 |
| Earnings coverage of net charge-offs (x) | 12.4495% | 2,450 |
| Efficiency ratio | 26.9196% | 5,444 |
| Assets per employee ($millions) | 297.3533% | 5 |
| Cash dividends to net income (ytd only)* | 100.6506% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4399% | 5,253 |
| Loan loss allowance to noncurrent loans | 217.2467% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 4,211 |
| Noncurrent loans to loans | 0.2025% | 3,990 |
| Net loans and leases to total assets | 72.3803% | 2,276 |
| Net loans and leases to deposits | 115.3364% | 157 |
| Net loans and leases to core deposits | 661.9001% | 12 |
| Total domestic deposits to total assets | 62.7558% | 5,365 |
| Equity capital to assets | 16.1086% | 522 |
| Core capital (leverage) ratio | 14.6102% | 797 |
| Tier 1 risk-based capital ratio | 17.1101% | 2,059 |
| Total risk-based capital ratio | 17.4486% | 2,322 |
| Memoranda: | ||
| Average total assets | $10,011,716,750 | 133 |
| Average earning assets | $9,742,437,750 | 126 |
| Average equity | $1,594,301,000 | 113 |
| Average total loans | $7,347,728,000 | 135 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 2,516 |
| Cost of funding earning assets | 1.6921% | 19 |
| Net interest margin | 2.6758% | 5,234 |
| Noninterest income to average assets | 0.8978% | 1,190 |
| Noninterest expense to average assets | 0.9564% | 5,495 |
| Loan and lease loss provision to assets | 0.1706% | 1,076 |
| Net operating income to assets | 1.8544% | 514 |
| Return on assets (ROA) | 1.8544% | 516 |
| Pretax return on assets | 2.4016% | 274 |
| Return on Equity (ROE) | 11.6908% | 1,843 |
| Retained earnings to average equity (ytd only) | -5.9986% | 5,326 |
| Net charge-offs to loans | 0.2763% | 579 |
| Credit loss provision to net charge-offs | 83.8506% | 2,222 |
| Earnings coverage of net charge-offs (x) | 12.6453% | 2,193 |
| Efficiency ratio | 27.1053% | 5,504 |
| Assets per employee ($millions) | 302.9138% | 4 |
| Cash dividends to net income (ytd only)* | 151.3105% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4471% | 5,320 |
| Loan loss allowance to noncurrent loans | 257.9997% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 4,367 |
| Noncurrent loans to loans | 0.1733% | 4,130 |
| Net loans and leases to total assets | 72.6343% | 2,177 |
| Net loans and leases to deposits | 126.7888% | 58 |
| Net loans and leases to core deposits | 1,253.2947% | 8 |
| Total domestic deposits to total assets | 57.2876% | 5,469 |
| Equity capital to assets | 15.8387% | 525 |
| Core capital (leverage) ratio | 15.1209% | 643 |
| Tier 1 risk-based capital ratio | 16.8063% | 2,163 |
| Total risk-based capital ratio | 17.1514% | 2,415 |
| Memoranda: | ||
| Average total assets | $9,978,951,330 | 132 |
| Average earning assets | $9,811,187,330 | 125 |
| Average equity | $1,582,875,000 | 111 |
| Average total loans | $7,346,973,670 | 133 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 2,529 |
| Cost of funding earning assets | 1.5832% | 27 |
| Net interest margin | 2.7133% | 5,247 |
| Noninterest income to average assets | 0.8888% | 1,178 |
| Noninterest expense to average assets | 0.9585% | 5,563 |
| Loan and lease loss provision to assets | 0.1829% | 931 |
| Net operating income to assets | 1.8087% | 557 |
| Return on assets (ROA) | 1.8087% | 560 |
| Pretax return on assets | 2.4384% | 245 |
| Return on Equity (ROE) | 11.3943% | 1,807 |
| Retained earnings to average equity (ytd only) | -23.9886% | 5,532 |
| Net charge-offs to loans | 0.3157% | 481 |
| Credit loss provision to net charge-offs | 78.3296% | 1,761 |
| Earnings coverage of net charge-offs (x) | 11.2284% | 1,859 |
| Efficiency ratio | 26.7749% | 5,576 |
| Assets per employee ($millions) | 302.3303% | 6 |
| Cash dividends to net income (ytd only)* | 310.5315% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4502% | 5,388 |
| Loan loss allowance to noncurrent loans | 240.0859% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 4,400 |
| Noncurrent loans to loans | 0.1875% | 4,120 |
| Net loans and leases to total assets | 73.0975% | 2,012 |
| Net loans and leases to deposits | 127.0198% | 53 |
| Net loans and leases to core deposits | 1,264.7563% | 10 |
| Total domestic deposits to total assets | 57.5481% | 5,532 |
| Equity capital to assets | 15.4038% | 586 |
| Core capital (leverage) ratio | 14.4654% | 772 |
| Tier 1 risk-based capital ratio | 16.3343% | 2,344 |
| Total risk-based capital ratio | 16.6840% | 2,620 |
| Memoranda: | ||
| Average total assets | $9,970,349,500 | 131 |
| Average earning assets | $9,888,194,500 | 123 |
| Average equity | $1,582,683,000 | 112 |
| Average total loans | $7,373,839,000 | 131 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 2,090 |
| Cost of funding earning assets | 1.4031% | 33 |
| Net interest margin | 2.9739% | 4,937 |
| Noninterest income to average assets | 0.8452% | 1,425 |
| Noninterest expense to average assets | 0.9329% | 5,623 |
| Loan and lease loss provision to assets | 0.3027% | 568 |
| Net operating income to assets | 1.4585% | 887 |
| Return on assets (ROA) | 1.4585% | 895 |
| Pretax return on assets | 2.5570% | 165 |
| Return on Equity (ROE) | 9.1100% | 2,261 |
| Retained earnings to average equity (ytd only) | -0.3203% | 5,092 |
| Net charge-offs to loans | 0.3142% | 807 |
| Credit loss provision to net charge-offs | 128.9603% | 2,037 |
| Earnings coverage of net charge-offs (x) | 12.1816% | 2,496 |
| Efficiency ratio | 24.5972% | 5,639 |
| Assets per employee ($millions) | 269.2919% | 7 |
| Cash dividends to net income (ytd only)* | 103.5154% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4614% | 5,435 |
| Loan loss allowance to noncurrent loans | 241.7679% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 4,437 |
| Noncurrent loans to loans | 0.1908% | 4,152 |
| Net loans and leases to total assets | 74.1443% | 1,893 |
| Net loans and leases to deposits | 128.8978% | 50 |
| Net loans and leases to core deposits | 1,380.6898% | 9 |
| Total domestic deposits to total assets | 57.5218% | 5,600 |
| Equity capital to assets | 16.3446% | 475 |
| Core capital (leverage) ratio | 14.8277% | 654 |
| Tier 1 risk-based capital ratio | 17.0971% | 2,058 |
| Total risk-based capital ratio | 17.4566% | 2,295 |
| Memoranda: | ||
| Average total assets | $9,935,604,400 | 122 |
| Average earning assets | $9,847,257,000 | 117 |
| Average equity | $1,590,619,200 | 108 |
| Average total loans | $7,422,461,600 | 122 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 2,303 |
| Cost of funding earning assets | 1.3580% | 33 |
| Net interest margin | 2.9302% | 5,051 |
| Noninterest income to average assets | 0.8330% | 1,465 |
| Noninterest expense to average assets | 0.9083% | 5,690 |
| Loan and lease loss provision to assets | 0.2936% | 536 |
| Net operating income to assets | 1.6039% | 712 |
| Return on assets (ROA) | 1.6039% | 730 |
| Pretax return on assets | 2.5352% | 197 |
| Return on Equity (ROE) | 10.0714% | 2,102 |
| Retained earnings to average equity (ytd only) | -2.5774% | 5,459 |
| Net charge-offs to loans | 0.3051% | 688 |
| Credit loss provision to net charge-offs | 128.7464% | 1,907 |
| Earnings coverage of net charge-offs (x) | 12.4036% | 2,429 |
| Efficiency ratio | 24.3041% | 5,707 |
| Assets per employee ($millions) | 261.3578% | 8 |
| Cash dividends to net income (ytd only)* | 125.5913% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4357% | 5,530 |
| Loan loss allowance to noncurrent loans | 246.4297% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 4,587 |
| Noncurrent loans to loans | 0.1768% | 4,362 |
| Net loans and leases to total assets | 74.4858% | 1,841 |
| Net loans and leases to deposits | 127.0966% | 52 |
| Net loans and leases to core deposits | 1,461.4005% | 9 |
| Total domestic deposits to total assets | 58.6056% | 5,665 |
| Equity capital to assets | 16.1498% | 512 |
| Core capital (leverage) ratio | 14.5619% | 753 |
| Tier 1 risk-based capital ratio | 16.7937% | 2,220 |
| Total risk-based capital ratio | 17.1328% | 2,487 |
| Memoranda: | ||
| Average total assets | $9,928,555,750 | 122 |
| Average earning assets | $9,840,062,000 | 115 |
| Average equity | $1,581,137,750 | 108 |
| Average total loans | $7,422,619,000 | 123 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 2,414 |
| Cost of funding earning assets | 1.2904% | 39 |
| Net interest margin | 2.9248% | 5,050 |
| Noninterest income to average assets | 0.8251% | 1,483 |
| Noninterest expense to average assets | 0.9125% | 5,745 |
| Loan and lease loss provision to assets | 0.2985% | 518 |
| Net operating income to assets | 1.6035% | 706 |
| Return on assets (ROA) | 1.6035% | 727 |
| Pretax return on assets | 2.5134% | 209 |
| Return on Equity (ROE) | 10.1166% | 1,981 |
| Retained earnings to average equity (ytd only) | -8.9487% | 5,631 |
| Net charge-offs to loans | 0.2729% | 739 |
| Credit loss provision to net charge-offs | 146.3894% | 1,548 |
| Earnings coverage of net charge-offs (x) | 13.7881% | 2,113 |
| Efficiency ratio | 24.4999% | 5,758 |
| Assets per employee ($millions) | 260.9831% | 7 |
| Cash dividends to net income (ytd only)* | 188.4564% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4339% | 5,582 |
| Loan loss allowance to noncurrent loans | 339.7192% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,808 |
| Noncurrent loans to loans | 0.1277% | 4,612 |
| Net loans and leases to total assets | 74.4638% | 1,784 |
| Net loans and leases to deposits | 128.2374% | 47 |
| Net loans and leases to core deposits | 1,465.3993% | 11 |
| Total domestic deposits to total assets | 58.0671% | 5,712 |
| Equity capital to assets | 15.7686% | 561 |
| Core capital (leverage) ratio | 14.6968% | 698 |
| Tier 1 risk-based capital ratio | 16.4024% | 2,357 |
| Total risk-based capital ratio | 16.7401% | 2,642 |
| Memoranda: | ||
| Average total assets | $9,927,542,670 | 122 |
| Average earning assets | $9,840,963,330 | 114 |
| Average equity | $1,573,539,670 | 107 |
| Average total loans | $7,420,160,330 | 120 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 2,485 |
| Cost of funding earning assets | 1.2085% | 54 |
| Net interest margin | 2.9386% | 5,009 |
| Noninterest income to average assets | 0.8247% | 1,470 |
| Noninterest expense to average assets | 0.9193% | 5,817 |
| Loan and lease loss provision to assets | 0.3231% | 385 |
| Net operating income to assets | 1.6306% | 638 |
| Return on assets (ROA) | 1.6306% | 654 |
| Pretax return on assets | 2.4950% | 215 |
| Return on Equity (ROE) | 10.2613% | 1,844 |
| Retained earnings to average equity (ytd only) | -27.7520% | 5,783 |
| Net charge-offs to loans | 0.2862% | 634 |
| Credit loss provision to net charge-offs | 151.1111% | 1,206 |
| Earnings coverage of net charge-offs (x) | 13.1785% | 1,801 |
| Efficiency ratio | 24.5975% | 5,822 |
| Assets per employee ($millions) | 261.6503% | 7 |
| Cash dividends to net income (ytd only)* | 370.4527% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 5,683 |
| Loan loss allowance to noncurrent loans | 329.5112% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 4,902 |
| Noncurrent loans to loans | 0.1233% | 4,694 |
| Net loans and leases to total assets | 74.4810% | 1,663 |
| Net loans and leases to deposits | 128.6836% | 40 |
| Net loans and leases to core deposits | 1,660.7078% | 12 |
| Total domestic deposits to total assets | 57.8791% | 5,786 |
| Equity capital to assets | 15.3291% | 589 |
| Core capital (leverage) ratio | 15.3455% | 549 |
| Tier 1 risk-based capital ratio | 15.9675% | 2,560 |
| Total risk-based capital ratio | 16.2839% | 2,879 |
| Memoranda: | ||
| Average total assets | $9,932,636,000 | 120 |
| Average earning assets | $9,845,034,000 | 114 |
| Average equity | $1,578,397,000 | 104 |
| Average total loans | $7,421,730,000 | 118 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 2,406 |
| Cost of funding earning assets | 1.2191% | 49 |
| Net interest margin | 3.0057% | 4,949 |
| Noninterest income to average assets | 0.7131% | 2,111 |
| Noninterest expense to average assets | 0.9209% | 5,869 |
| Loan and lease loss provision to assets | 0.2288% | 946 |
| Net operating income to assets | 1.5634% | 738 |
| Return on assets (ROA) | 1.5777% | 748 |
| Pretax return on assets | 2.5675% | 183 |
| Return on Equity (ROE) | 10.6788% | 1,700 |
| Retained earnings to average equity (ytd only) | 10.6788% | 337 |
| Net charge-offs to loans | 0.2959% | 936 |
| Credit loss provision to net charge-offs | 103.8368% | 2,496 |
| Earnings coverage of net charge-offs (x) | 12.5890% | 2,437 |
| Efficiency ratio | 24.9239% | 5,885 |
| Assets per employee ($millions) | 261.1200% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3711% | 5,755 |
| Loan loss allowance to noncurrent loans | 231.9160% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 4,833 |
| Noncurrent loans to loans | 0.1600% | 4,594 |
| Net loans and leases to total assets | 74.3794% | 1,783 |
| Net loans and leases to deposits | 131.2544% | 40 |
| Net loans and leases to core deposits | 1,837.1714% | 13 |
| Total domestic deposits to total assets | 56.6681% | 5,847 |
| Equity capital to assets | 16.4541% | 439 |
| Core capital (leverage) ratio | 16.3597% | 416 |
| Tier 1 risk-based capital ratio | 17.1655% | 2,104 |
| Total risk-based capital ratio | 17.4543% | 2,407 |
| Memoranda: | ||
| Average total assets | $9,935,575,000 | 114 |
| Average earning assets | $9,856,645,000 | 107 |
| Average equity | $1,467,869,600 | 105 |
| Average total loans | $7,398,924,600 | 115 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 2,609 |
| Cost of funding earning assets | 1.2226% | 48 |
| Net interest margin | 2.9474% | 5,101 |
| Noninterest income to average assets | 0.6882% | 2,221 |
| Noninterest expense to average assets | 0.9477% | 5,931 |
| Loan and lease loss provision to assets | 0.2215% | 930 |
| Net operating income to assets | 1.5154% | 853 |
| Return on assets (ROA) | 1.5344% | 868 |
| Pretax return on assets | 2.4744% | 230 |
| Return on Equity (ROE) | 10.6894% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.6894% | 461 |
| Net charge-offs to loans | 0.2812% | 818 |
| Credit loss provision to net charge-offs | 105.8465% | 2,269 |
| Earnings coverage of net charge-offs (x) | 12.7408% | 2,362 |
| Efficiency ratio | 26.2248% | 5,948 |
| Assets per employee ($millions) | 261.2799% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3729% | 5,816 |
| Loan loss allowance to noncurrent loans | 245.4667% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 4,968 |
| Noncurrent loans to loans | 0.1519% | 4,739 |
| Net loans and leases to total assets | 74.1664% | 1,848 |
| Net loans and leases to deposits | 129.8506% | 42 |
| Net loans and leases to core deposits | 1,963.7888% | 12 |
| Total domestic deposits to total assets | 57.1167% | 5,908 |
| Equity capital to assets | 14.9694% | 746 |
| Core capital (leverage) ratio | 14.0762% | 825 |
| Tier 1 risk-based capital ratio | 15.5549% | 2,805 |
| Total risk-based capital ratio | 15.8442% | 3,178 |
| Memoranda: | ||
| Average total assets | $9,938,828,750 | 111 |
| Average earning assets | $9,865,496,250 | 107 |
| Average equity | $1,426,670,000 | 107 |
| Average total loans | $7,396,698,500 | 114 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 2,961 |
| Cost of funding earning assets | 1.2173% | 49 |
| Net interest margin | 2.8600% | 5,330 |
| Noninterest income to average assets | 0.6693% | 2,280 |
| Noninterest expense to average assets | 0.9299% | 6,014 |
| Loan and lease loss provision to assets | 0.2037% | 1,051 |
| Net operating income to assets | 1.4315% | 1,005 |
| Return on assets (ROA) | 1.4601% | 1,008 |
| Pretax return on assets | 2.4220% | 247 |
| Return on Equity (ROE) | 10.3187% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.3187% | 541 |
| Net charge-offs to loans | 0.2675% | 895 |
| Credit loss provision to net charge-offs | 102.2936% | 2,062 |
| Earnings coverage of net charge-offs (x) | 12.9641% | 2,159 |
| Efficiency ratio | 26.4853% | 6,022 |
| Assets per employee ($millions) | 284.1956% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 5,906 |
| Loan loss allowance to noncurrent loans | 266.9713% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,110 |
| Noncurrent loans to loans | 0.1356% | 4,899 |
| Net loans and leases to total assets | 74.3884% | 1,756 |
| Net loans and leases to deposits | 127.5492% | 55 |
| Net loans and leases to core deposits | 2,117.9334% | 12 |
| Total domestic deposits to total assets | 58.3213% | 5,985 |
| Equity capital to assets | 14.5231% | 862 |
| Core capital (leverage) ratio | 14.4856% | 714 |
| Tier 1 risk-based capital ratio | 15.1121% | 3,026 |
| Total risk-based capital ratio | 15.3942% | 3,439 |
| Memoranda: | ||
| Average total assets | $9,942,225,670 | 112 |
| Average earning assets | $9,878,433,330 | 107 |
| Average equity | $1,406,808,000 | 108 |
| Average total loans | $7,398,505,330 | 113 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 2,897 |
| Cost of funding earning assets | 1.2140% | 51 |
| Net interest margin | 2.8725% | 5,363 |
| Noninterest income to average assets | 0.6527% | 2,252 |
| Noninterest expense to average assets | 0.9310% | 6,080 |
| Loan and lease loss provision to assets | 0.2751% | 605 |
| Net operating income to assets | 1.4179% | 1,013 |
| Return on assets (ROA) | 1.4750% | 942 |
| Pretax return on assets | 2.3900% | 285 |
| Return on Equity (ROE) | 10.5637% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.5637% | 728 |
| Net charge-offs to loans | 0.3554% | 628 |
| Credit loss provision to net charge-offs | 104.1603% | 1,572 |
| Earnings coverage of net charge-offs (x) | 9.7542% | 1,964 |
| Efficiency ratio | 26.5486% | 6,081 |
| Assets per employee ($millions) | 276.8329% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3623% | 5,982 |
| Loan loss allowance to noncurrent loans | 280.9057% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 5,193 |
| Noncurrent loans to loans | 0.1290% | 4,958 |
| Net loans and leases to total assets | 74.2995% | 1,686 |
| Net loans and leases to deposits | 123.9276% | 68 |
| Net loans and leases to core deposits | 2,119.9721% | 11 |
| Total domestic deposits to total assets | 59.9540% | 6,036 |
| Equity capital to assets | 14.1178% | 940 |
| Core capital (leverage) ratio | 13.7488% | 884 |
| Tier 1 risk-based capital ratio | 14.7242% | 3,272 |
| Total risk-based capital ratio | 15.0065% | 3,768 |
| Memoranda: | ||
| Average total assets | $9,939,915,500 | 113 |
| Average earning assets | $9,876,129,500 | 107 |
| Average equity | $1,387,919,000 | 108 |
| Average total loans | $7,384,671,500 | 111 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,339 |
| Cost of funding earning assets | 1.1066% | 96 |
| Net interest margin | 2.8857% | 5,358 |
| Noninterest income to average assets | 0.6165% | 2,636 |
| Noninterest expense to average assets | 0.9428% | 6,131 |
| Loan and lease loss provision to assets | 0.2315% | 855 |
| Net operating income to assets | 1.4230% | 1,000 |
| Return on assets (ROA) | 1.4644% | 956 |
| Pretax return on assets | 2.3736% | 257 |
| Return on Equity (ROE) | 11.2018% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.2018% | 328 |
| Net charge-offs to loans | 0.2964% | 1,023 |
| Credit loss provision to net charge-offs | 106.4922% | 2,361 |
| Earnings coverage of net charge-offs (x) | 11.6837% | 2,543 |
| Efficiency ratio | 27.0675% | 6,149 |
| Assets per employee ($millions) | 260.8907% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3632% | 6,020 |
| Loan loss allowance to noncurrent loans | 220.4765% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 5,108 |
| Noncurrent loans to loans | 0.1647% | 4,829 |
| Net loans and leases to total assets | 73.7463% | 1,770 |
| Net loans and leases to deposits | 122.4893% | 85 |
| Net loans and leases to core deposits | 2,067.9554% | 11 |
| Total domestic deposits to total assets | 60.2063% | 6,088 |
| Equity capital to assets | 13.8075% | 1,003 |
| Core capital (leverage) ratio | 13.7461% | 896 |
| Tier 1 risk-based capital ratio | 14.4569% | 3,466 |
| Total risk-based capital ratio | 14.7387% | 3,953 |
| Memoranda: | ||
| Average total assets | $9,946,495,000 | 108 |
| Average earning assets | $9,880,396,600 | 104 |
| Average equity | $1,300,326,800 | 109 |
| Average total loans | $7,297,175,800 | 106 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,429 |
| Cost of funding earning assets | 1.0869% | 112 |
| Net interest margin | 2.8896% | 5,433 |
| Noninterest income to average assets | 0.6034% | 2,723 |
| Noninterest expense to average assets | 0.8970% | 6,222 |
| Loan and lease loss provision to assets | 0.1964% | 1,027 |
| Net operating income to assets | 1.4548% | 1,000 |
| Return on assets (ROA) | 1.5100% | 943 |
| Pretax return on assets | 2.4667% | 251 |
| Return on Equity (ROE) | 11.7143% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.7143% | 395 |
| Net charge-offs to loans | 0.2783% | 960 |
| Credit loss provision to net charge-offs | 96.4039% | 2,360 |
| Earnings coverage of net charge-offs (x) | 12.6476% | 2,392 |
| Efficiency ratio | 25.8219% | 6,241 |
| Assets per employee ($millions) | 262.3689% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3366% | 6,125 |
| Loan loss allowance to noncurrent loans | 278.1306% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 5,388 |
| Noncurrent loans to loans | 0.1210% | 5,145 |
| Net loans and leases to total assets | 73.3552% | 1,849 |
| Net loans and leases to deposits | 123.6080% | 75 |
| Net loans and leases to core deposits | 1,414.1646% | 11 |
| Total domestic deposits to total assets | 59.3450% | 6,180 |
| Equity capital to assets | 13.4226% | 1,269 |
| Core capital (leverage) ratio | 13.3955% | 1,059 |
| Tier 1 risk-based capital ratio | 14.0692% | 3,813 |
| Total risk-based capital ratio | 14.3296% | 4,303 |
| Memoranda: | ||
| Average total assets | $9,954,657,000 | 109 |
| Average earning assets | $9,888,146,500 | 106 |
| Average equity | $1,283,194,500 | 112 |
| Average total loans | $7,287,034,750 | 109 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,448 |
| Cost of funding earning assets | 1.0755% | 117 |
| Net interest margin | 2.8850% | 5,470 |
| Noninterest income to average assets | 0.5850% | 2,824 |
| Noninterest expense to average assets | 0.8883% | 6,301 |
| Loan and lease loss provision to assets | 0.1855% | 1,089 |
| Net operating income to assets | 1.4500% | 990 |
| Return on assets (ROA) | 1.5330% | 893 |
| Pretax return on assets | 2.5084% | 249 |
| Return on Equity (ROE) | 12.0587% | 1,353 |
| Retained earnings to average equity (ytd only) | 12.0587% | 391 |
| Net charge-offs to loans | 0.2622% | 994 |
| Credit loss provision to net charge-offs | 96.8104% | 2,113 |
| Earnings coverage of net charge-offs (x) | 13.3847% | 2,134 |
| Efficiency ratio | 25.7273% | 6,314 |
| Assets per employee ($millions) | 261.5652% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3393% | 6,196 |
| Loan loss allowance to noncurrent loans | 278.8373% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 5,505 |
| Noncurrent loans to loans | 0.1217% | 5,269 |
| Net loans and leases to total assets | 73.7085% | 1,708 |
| Net loans and leases to deposits | 126.2979% | 60 |
| Net loans and leases to core deposits | 1,387.2934% | 13 |
| Total domestic deposits to total assets | 58.3608% | 6,260 |
| Equity capital to assets | 13.0759% | 1,361 |
| Core capital (leverage) ratio | 13.0399% | 1,151 |
| Tier 1 risk-based capital ratio | 13.7344% | 4,076 |
| Total risk-based capital ratio | 13.9983% | 4,571 |
| Memoranda: | ||
| Average total assets | $9,949,537,000 | 113 |
| Average earning assets | $9,889,714,330 | 109 |
| Average equity | $1,264,846,330 | 115 |
| Average total loans | $7,269,973,000 | 110 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9752% | 3,314 |
| Cost of funding earning assets | 1.0724% | 119 |
| Net interest margin | 2.9028% | 5,448 |
| Noninterest income to average assets | 0.5589% | 2,896 |
| Noninterest expense to average assets | 0.8938% | 6,376 |
| Loan and lease loss provision to assets | 0.1522% | 1,339 |
| Net operating income to assets | 1.4763% | 890 |
| Return on assets (ROA) | 1.4763% | 949 |
| Pretax return on assets | 2.3981% | 278 |
| Return on Equity (ROE) | 11.7810% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.7810% | 598 |
| Net charge-offs to loans | 0.2597% | 925 |
| Credit loss provision to net charge-offs | 80.6947% | 1,818 |
| Earnings coverage of net charge-offs (x) | 13.5238% | 1,721 |
| Efficiency ratio | 25.9515% | 6,385 |
| Assets per employee ($millions) | 276.6784% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3360% | 6,274 |
| Loan loss allowance to noncurrent loans | 255.6886% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 5,561 |
| Noncurrent loans to loans | 0.1314% | 5,309 |
| Net loans and leases to total assets | 72.4833% | 1,734 |
| Net loans and leases to deposits | 118.3398% | 106 |
| Net loans and leases to core deposits | 1,366.7756% | 12 |
| Total domestic deposits to total assets | 61.2501% | 6,308 |
| Equity capital to assets | 12.7170% | 1,564 |
| Core capital (leverage) ratio | 12.6276% | 1,305 |
| Tier 1 risk-based capital ratio | 13.4137% | 4,367 |
| Total risk-based capital ratio | 13.6732% | 4,873 |
| Memoranda: | ||
| Average total assets | $9,954,566,000 | 114 |
| Average earning assets | $9,893,930,000 | 108 |
| Average equity | $1,247,433,000 | 115 |
| Average total loans | $7,229,368,000 | 109 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,589 |
| Cost of funding earning assets | 1.1728% | 92 |
| Net interest margin | 2.8596% | 5,717 |
| Noninterest income to average assets | 0.5572% | 3,133 |
| Noninterest expense to average assets | 0.9363% | 6,455 |
| Loan and lease loss provision to assets | 0.2330% | 1,039 |
| Net operating income to assets | 1.3603% | 1,161 |
| Return on assets (ROA) | 1.3714% | 1,181 |
| Pretax return on assets | 2.2456% | 293 |
| Return on Equity (ROE) | 11.7819% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.7819% | 315 |
| Net charge-offs to loans | 0.2945% | 1,492 |
| Credit loss provision to net charge-offs | 108.2589% | 2,205 |
| Earnings coverage of net charge-offs (x) | 11.4346% | 2,486 |
| Efficiency ratio | 27.5588% | 6,473 |
| Assets per employee ($millions) | 268.8841% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3499% | 6,351 |
| Loan loss allowance to noncurrent loans | 201.4282% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 5,529 |
| Noncurrent loans to loans | 0.1737% | 5,201 |
| Net loans and leases to total assets | 72.2658% | 1,864 |
| Net loans and leases to deposits | 122.9897% | 75 |
| Net loans and leases to core deposits | 1,366.3162% | 12 |
| Total domestic deposits to total assets | 58.7576% | 6,418 |
| Equity capital to assets | 12.3454% | 1,737 |
| Core capital (leverage) ratio | 12.2752% | 1,459 |
| Tier 1 risk-based capital ratio | 13.0557% | 4,690 |
| Total risk-based capital ratio | 13.3255% | 5,218 |
| Memoranda: | ||
| Average total assets | $9,934,409,400 | 110 |
| Average earning assets | $9,867,576,000 | 107 |
| Average equity | $1,156,376,800 | 115 |
| Average total loans | $7,259,554,200 | 105 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 3,668 |
| Cost of funding earning assets | 1.1889% | 93 |
| Net interest margin | 2.8351% | 5,814 |
| Noninterest income to average assets | 0.5530% | 3,187 |
| Noninterest expense to average assets | 0.9171% | 6,537 |
| Loan and lease loss provision to assets | 0.2400% | 915 |
| Net operating income to assets | 1.3606% | 1,225 |
| Return on assets (ROA) | 1.3606% | 1,265 |
| Pretax return on assets | 2.2115% | 360 |
| Return on Equity (ROE) | 11.8694% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.8694% | 425 |
| Net charge-offs to loans | 0.2857% | 1,375 |
| Credit loss provision to net charge-offs | 114.7323% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.7214% | 2,383 |
| Efficiency ratio | 27.2259% | 6,552 |
| Assets per employee ($millions) | 277.1599% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 6,432 |
| Loan loss allowance to noncurrent loans | 236.8281% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 5,728 |
| Noncurrent loans to loans | 0.1507% | 5,456 |
| Net loans and leases to total assets | 72.1176% | 1,828 |
| Net loans and leases to deposits | 115.8236% | 133 |
| Net loans and leases to core deposits | 1,348.3436% | 13 |
| Total domestic deposits to total assets | 62.2650% | 6,462 |
| Equity capital to assets | 11.9399% | 2,111 |
| Core capital (leverage) ratio | 11.9008% | 1,763 |
| Tier 1 risk-based capital ratio | 12.6642% | 5,057 |
| Total risk-based capital ratio | 12.9393% | 5,595 |
| Memoranda: | ||
| Average total assets | $9,930,834,000 | 112 |
| Average earning assets | $9,862,649,250 | 107 |
| Average equity | $1,138,420,000 | 117 |
| Average total loans | $7,270,752,750 | 106 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,666 |
| Cost of funding earning assets | 1.2049% | 90 |
| Net interest margin | 2.8116% | 5,880 |
| Noninterest income to average assets | 0.5515% | 3,107 |
| Noninterest expense to average assets | 0.9164% | 6,604 |
| Loan and lease loss provision to assets | 0.2084% | 1,144 |
| Net operating income to assets | 1.3651% | 1,152 |
| Return on assets (ROA) | 1.3651% | 1,190 |
| Pretax return on assets | 2.2185% | 349 |
| Return on Equity (ROE) | 12.0762% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.0762% | 418 |
| Net charge-offs to loans | 0.2726% | 1,452 |
| Credit loss provision to net charge-offs | 103.9968% | 1,920 |
| Earnings coverage of net charge-offs (x) | 12.1125% | 2,090 |
| Efficiency ratio | 27.4099% | 6,619 |
| Assets per employee ($millions) | 284.5391% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3341% | 6,522 |
| Loan loss allowance to noncurrent loans | 263.6775% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 5,883 |
| Noncurrent loans to loans | 0.1267% | 5,637 |
| Net loans and leases to total assets | 71.5241% | 1,824 |
| Net loans and leases to deposits | 112.6846% | 154 |
| Net loans and leases to core deposits | 1,546.7954% | 14 |
| Total domestic deposits to total assets | 63.4729% | 6,517 |
| Equity capital to assets | 11.6286% | 2,299 |
| Core capital (leverage) ratio | 11.6511% | 1,884 |
| Tier 1 risk-based capital ratio | 12.3996% | 5,299 |
| Total risk-based capital ratio | 12.6564% | 5,802 |
| Memoranda: | ||
| Average total assets | $9,915,193,000 | 109 |
| Average earning assets | $9,845,160,670 | 107 |
| Average equity | $1,120,782,000 | 118 |
| Average total loans | $7,287,172,670 | 104 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,637 |
| Cost of funding earning assets | 1.2205% | 90 |
| Net interest margin | 2.7906% | 5,955 |
| Noninterest income to average assets | 0.5493% | 3,052 |
| Noninterest expense to average assets | 0.9134% | 6,688 |
| Loan and lease loss provision to assets | 0.2195% | 1,035 |
| Net operating income to assets | 1.3459% | 1,113 |
| Return on assets (ROA) | 1.3459% | 1,153 |
| Pretax return on assets | 2.1881% | 359 |
| Return on Equity (ROE) | 12.0813% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.0813% | 595 |
| Net charge-offs to loans | 0.2939% | 1,184 |
| Credit loss provision to net charge-offs | 100.4255% | 1,647 |
| Earnings coverage of net charge-offs (x) | 11.0168% | 1,811 |
| Efficiency ratio | 27.5040% | 6,687 |
| Assets per employee ($millions) | 273.7226% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3210% | 6,602 |
| Loan loss allowance to noncurrent loans | 220.9873% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 5,929 |
| Noncurrent loans to loans | 0.1452% | 5,655 |
| Net loans and leases to total assets | 74.0700% | 1,255 |
| Net loans and leases to deposits | 116.5821% | 94 |
| Net loans and leases to core deposits | 1,674.8852% | 12 |
| Total domestic deposits to total assets | 63.5346% | 6,592 |
| Equity capital to assets | 11.3654% | 2,362 |
| Core capital (leverage) ratio | 11.3178% | 2,117 |
| Tier 1 risk-based capital ratio | 11.8183% | 5,747 |
| Total risk-based capital ratio | 12.0666% | 6,190 |
| Memoranda: | ||
| Average total assets | $9,893,356,000 | 109 |
| Average earning assets | $9,826,249,500 | 107 |
| Average equity | $1,102,134,500 | 121 |
| Average total loans | $7,357,324,500 | 105 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,588 |
| Cost of funding earning assets | 1.3324% | 96 |
| Net interest margin | 3.0673% | 5,413 |
| Noninterest income to average assets | 0.5793% | 3,214 |
| Noninterest expense to average assets | 0.9636% | 6,754 |
| Loan and lease loss provision to assets | 0.1420% | 2,535 |
| Net operating income to assets | 1.5653% | 738 |
| Return on assets (ROA) | 1.5812% | 740 |
| Pretax return on assets | 2.5424% | 190 |
| Return on Equity (ROE) | 13.9373% | 962 |
| Retained earnings to average equity (ytd only) | 3.9712% | 3,370 |
| Net charge-offs to loans | 0.2862% | 2,259 |
| Credit loss provision to net charge-offs | 66.9785% | 3,383 |
| Earnings coverage of net charge-offs (x) | 12.5427% | 2,117 |
| Efficiency ratio | 26.5950% | 6,777 |
| Assets per employee ($millions) | 292.1382% | 8 |
| Cash dividends to net income (ytd only)* | 71.5066% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3176% | 6,680 |
| Loan loss allowance to noncurrent loans | 184.4673% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 5,934 |
| Noncurrent loans to loans | 0.1722% | 5,685 |
| Net loans and leases to total assets | 74.1873% | 1,312 |
| Net loans and leases to deposits | 116.1301% | 94 |
| Net loans and leases to core deposits | 2,166.7406% | 11 |
| Total domestic deposits to total assets | 63.8829% | 6,670 |
| Equity capital to assets | 10.9167% | 2,691 |
| Core capital (leverage) ratio | 10.9023% | 2,473 |
| Tier 1 risk-based capital ratio | 11.3787% | 5,981 |
| Total risk-based capital ratio | 11.6248% | 6,365 |
| Memoranda: | ||
| Average total assets | $9,728,937,000 | 111 |
| Average earning assets | $9,654,596,200 | 108 |
| Average equity | $1,103,745,400 | 116 |
| Average total loans | $7,207,380,000 | 103 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 2,223 |
| Cost of funding earning assets | 1.3461% | 98 |
| Net interest margin | 3.1549% | 5,134 |
| Noninterest income to average assets | 0.5816% | 3,262 |
| Noninterest expense to average assets | 0.9473% | 6,834 |
| Loan and lease loss provision to assets | 0.1573% | 2,293 |
| Net operating income to assets | 1.6030% | 747 |
| Return on assets (ROA) | 1.6243% | 757 |
| Pretax return on assets | 2.6400% | 202 |
| Return on Equity (ROE) | 14.1802% | 956 |
| Retained earnings to average equity (ytd only) | 14.1802% | 242 |
| Net charge-offs to loans | 0.2814% | 2,135 |
| Credit loss provision to net charge-offs | 75.5657% | 2,955 |
| Earnings coverage of net charge-offs (x) | 13.2745% | 2,043 |
| Efficiency ratio | 25.5248% | 6,855 |
| Assets per employee ($millions) | 291.6560% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3604% | 6,747 |
| Loan loss allowance to noncurrent loans | 255.5043% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 6,124 |
| Noncurrent loans to loans | 0.1410% | 5,905 |
| Net loans and leases to total assets | 74.1605% | 1,273 |
| Net loans and leases to deposits | 117.4092% | 86 |
| Net loans and leases to core deposits | 2,453.8964% | 14 |
| Total domestic deposits to total assets | 63.1642% | 6,763 |
| Equity capital to assets | 11.7059% | 2,122 |
| Core capital (leverage) ratio | 11.7874% | 1,824 |
| Tier 1 risk-based capital ratio | 12.1723% | 5,670 |
| Total risk-based capital ratio | 12.4515% | 6,152 |
| Memoranda: | ||
| Average total assets | $9,677,996,500 | 113 |
| Average earning assets | $9,600,600,500 | 108 |
| Average equity | $1,108,601,000 | 114 |
| Average total loans | $7,161,154,500 | 102 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,536 |
| Cost of funding earning assets | 1.3702% | 101 |
| Net interest margin | 3.3400% | 4,418 |
| Noninterest income to average assets | 0.5917% | 3,241 |
| Noninterest expense to average assets | 0.9410% | 6,885 |
| Loan and lease loss provision to assets | 0.1226% | 2,787 |
| Net operating income to assets | 1.7473% | 575 |
| Return on assets (ROA) | 1.7796% | 582 |
| Pretax return on assets | 2.8914% | 163 |
| Return on Equity (ROE) | 15.6537% | 710 |
| Retained earnings to average equity (ytd only) | 15.6537% | 203 |
| Net charge-offs to loans | 0.2949% | 2,007 |
| Credit loss provision to net charge-offs | 56.3092% | 3,091 |
| Earnings coverage of net charge-offs (x) | 13.6071% | 1,890 |
| Efficiency ratio | 24.0996% | 6,906 |
| Assets per employee ($millions) | 275.9061% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3603% | 6,793 |
| Loan loss allowance to noncurrent loans | 302.4574% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 6,231 |
| Noncurrent loans to loans | 0.1191% | 6,034 |
| Net loans and leases to total assets | 73.6726% | 1,305 |
| Net loans and leases to deposits | 116.0716% | 82 |
| Net loans and leases to core deposits | 2,385.6299% | 14 |
| Total domestic deposits to total assets | 63.4717% | 6,806 |
| Equity capital to assets | 11.6551% | 2,170 |
| Core capital (leverage) ratio | 11.7664% | 1,751 |
| Tier 1 risk-based capital ratio | 12.1486% | 5,711 |
| Total risk-based capital ratio | 12.4259% | 6,225 |
| Memoranda: | ||
| Average total assets | $9,598,560,670 | 113 |
| Average earning assets | $9,520,988,670 | 108 |
| Average equity | $1,091,203,670 | 117 |
| Average total loans | $7,088,012,000 | 102 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 1,120 |
| Cost of funding earning assets | 1.4049% | 89 |
| Net interest margin | 3.4814% | 3,776 |
| Noninterest income to average assets | 0.5910% | 3,187 |
| Noninterest expense to average assets | 0.9367% | 6,968 |
| Loan and lease loss provision to assets | 0.1107% | 2,850 |
| Net operating income to assets | 1.8448% | 442 |
| Return on assets (ROA) | 1.8448% | 488 |
| Pretax return on assets | 2.9970% | 155 |
| Return on Equity (ROE) | 16.4368% | 563 |
| Retained earnings to average equity (ytd only) | 16.4368% | 252 |
| Net charge-offs to loans | 0.3223% | 1,672 |
| Credit loss provision to net charge-offs | 46.5554% | 2,652 |
| Earnings coverage of net charge-offs (x) | 13.0664% | 1,553 |
| Efficiency ratio | 23.1601% | 6,983 |
| Assets per employee ($millions) | 267.1769% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3860% | 6,860 |
| Loan loss allowance to noncurrent loans | 309.5887% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,316 |
| Noncurrent loans to loans | 0.1247% | 6,095 |
| Net loans and leases to total assets | 73.1070% | 1,189 |
| Net loans and leases to deposits | 114.9221% | 90 |
| Net loans and leases to core deposits | 2,035.1133% | 16 |
| Total domestic deposits to total assets | 63.6144% | 6,878 |
| Equity capital to assets | 11.3917% | 2,530 |
| Core capital (leverage) ratio | 11.2836% | 2,022 |
| Tier 1 risk-based capital ratio | 11.7982% | 6,028 |
| Total risk-based capital ratio | 12.0943% | 6,440 |
| Memoranda: | ||
| Average total assets | $9,569,484,000 | 115 |
| Average earning assets | $9,492,485,000 | 108 |
| Average equity | $1,074,056,000 | 121 |
| Average total loans | $7,061,979,000 | 103 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7119% | 424 |
| Cost of funding earning assets | 1.6511% | 92 |
| Net interest margin | 4.0609% | 2,149 |
| Noninterest income to average assets | 0.6275% | 3,128 |
| Noninterest expense to average assets | 1.0535% | 7,001 |
| Loan and lease loss provision to assets | 0.2094% | 3,050 |
| Net operating income to assets | 2.0625% | 320 |
| Return on assets (ROA) | 2.0795% | 345 |
| Pretax return on assets | 3.4155% | 104 |
| Return on Equity (ROE) | 18.0270% | 444 |
| Retained earnings to average equity (ytd only) | 4.9786% | 2,721 |
| Net charge-offs to loans | 0.3625% | 2,823 |
| Credit loss provision to net charge-offs | 78.4414% | 3,874 |
| Earnings coverage of net charge-offs (x) | 13.4789% | 1,821 |
| Efficiency ratio | 22.6469% | 7,044 |
| Assets per employee ($millions) | 264.4611% | 8 |
| Cash dividends to net income (ytd only)* | 72.3828% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4287% | 6,877 |
| Loan loss allowance to noncurrent loans | 290.5054% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 6,310 |
| Noncurrent loans to loans | 0.1476% | 6,108 |
| Net loans and leases to total assets | 73.8894% | 1,209 |
| Net loans and leases to deposits | 114.7336% | 102 |
| Net loans and leases to core deposits | 2,002.1499% | 16 |
| Total domestic deposits to total assets | 64.4008% | 6,929 |
| Equity capital to assets | 11.0541% | 2,888 |
| Core capital (leverage) ratio | 10.9774% | 2,276 |
| Tier 1 risk-based capital ratio | 11.3190% | 6,206 |
| Total risk-based capital ratio | 11.6481% | 6,557 |
| Memoranda: | ||
| Average total assets | $9,301,010,000 | 118 |
| Average earning assets | $9,217,427,200 | 108 |
| Average equity | $1,072,922,800 | 119 |
| Average total loans | $6,850,529,800 | 104 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 357 |
| Cost of funding earning assets | 1.6933% | 88 |
| Net interest margin | 4.1730% | 1,818 |
| Noninterest income to average assets | 0.6317% | 3,098 |
| Noninterest expense to average assets | 1.0017% | 7,117 |
| Loan and lease loss provision to assets | 0.1996% | 3,084 |
| Net operating income to assets | 2.1966% | 281 |
| Return on assets (ROA) | 2.2194% | 307 |
| Pretax return on assets | 3.5999% | 97 |
| Return on Equity (ROE) | 19.0353% | 392 |
| Retained earnings to average equity (ytd only) | 19.0353% | 95 |
| Net charge-offs to loans | 0.3586% | 2,667 |
| Credit loss provision to net charge-offs | 75.6974% | 3,748 |
| Earnings coverage of net charge-offs (x) | 14.2770% | 1,844 |
| Efficiency ratio | 21.0200% | 7,149 |
| Assets per employee ($millions) | 273.9195% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4576% | 6,980 |
| Loan loss allowance to noncurrent loans | 356.0539% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 6,498 |
| Noncurrent loans to loans | 0.1285% | 6,284 |
| Net loans and leases to total assets | 72.8834% | 1,411 |
| Net loans and leases to deposits | 109.2916% | 171 |
| Net loans and leases to core deposits | 1,987.4228% | 18 |
| Total domestic deposits to total assets | 66.6871% | 6,960 |
| Equity capital to assets | 12.3992% | 1,965 |
| Core capital (leverage) ratio | 12.1993% | 1,534 |
| Tier 1 risk-based capital ratio | 12.7672% | 5,430 |
| Total risk-based capital ratio | 13.1160% | 5,997 |
| Memoranda: | ||
| Average total assets | $9,246,112,250 | 118 |
| Average earning assets | $9,159,360,000 | 108 |
| Average equity | $1,078,049,750 | 119 |
| Average total loans | $6,796,911,000 | 103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9945% | 294 |
| Cost of funding earning assets | 1.7258% | 91 |
| Net interest margin | 4.2687% | 1,552 |
| Noninterest income to average assets | 0.6465% | 2,972 |
| Noninterest expense to average assets | 1.0053% | 7,186 |
| Loan and lease loss provision to assets | 0.1727% | 3,379 |
| Net operating income to assets | 2.2791% | 251 |
| Return on assets (ROA) | 2.3134% | 262 |
| Pretax return on assets | 3.7506% | 94 |
| Return on Equity (ROE) | 20.2739% | 335 |
| Retained earnings to average equity (ytd only) | 20.2739% | 102 |
| Net charge-offs to loans | 0.3938% | 2,447 |
| Credit loss provision to net charge-offs | 59.5812% | 3,809 |
| Earnings coverage of net charge-offs (x) | 13.3484% | 1,801 |
| Efficiency ratio | 20.6220% | 7,214 |
| Assets per employee ($millions) | 284.7519% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4394% | 7,058 |
| Loan loss allowance to noncurrent loans | 364.6009% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 6,583 |
| Noncurrent loans to loans | 0.1205% | 6,364 |
| Net loans and leases to total assets | 72.9227% | 1,403 |
| Net loans and leases to deposits | 112.6794% | 119 |
| Net loans and leases to core deposits | 1,992.3156% | 19 |
| Total domestic deposits to total assets | 64.7170% | 7,070 |
| Equity capital to assets | 11.7650% | 2,351 |
| Core capital (leverage) ratio | 11.6959% | 1,789 |
| Tier 1 risk-based capital ratio | 12.1495% | 5,834 |
| Total risk-based capital ratio | 12.4851% | 6,354 |
| Memoranda: | ||
| Average total assets | $9,223,728,330 | 118 |
| Average earning assets | $9,137,057,330 | 106 |
| Average equity | $1,052,477,000 | 122 |
| Average total loans | $6,789,539,670 | 103 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1686% | 239 |
| Cost of funding earning assets | 1.7710% | 95 |
| Net interest margin | 4.3976% | 1,231 |
| Noninterest income to average assets | 0.6596% | 2,872 |
| Noninterest expense to average assets | 1.0260% | 7,251 |
| Loan and lease loss provision to assets | 0.1908% | 3,042 |
| Net operating income to assets | 2.3394% | 226 |
| Return on assets (ROA) | 2.3880% | 258 |
| Pretax return on assets | 3.8741% | 96 |
| Return on Equity (ROE) | 21.2674% | 303 |
| Retained earnings to average equity (ytd only) | 21.2674% | 152 |
| Net charge-offs to loans | 0.4446% | 1,981 |
| Credit loss provision to net charge-offs | 58.1588% | 3,151 |
| Earnings coverage of net charge-offs (x) | 12.1577% | 1,623 |
| Efficiency ratio | 20.4585% | 7,274 |
| Assets per employee ($millions) | 272.0688% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4783% | 7,081 |
| Loan loss allowance to noncurrent loans | 392.5139% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,661 |
| Noncurrent loans to loans | 0.1219% | 6,442 |
| Net loans and leases to total assets | 73.1198% | 1,204 |
| Net loans and leases to deposits | 106.8743% | 190 |
| Net loans and leases to core deposits | 1,950.6877% | 18 |
| Total domestic deposits to total assets | 68.4167% | 7,041 |
| Equity capital to assets | 11.3756% | 2,552 |
| Core capital (leverage) ratio | 11.3793% | 1,981 |
| Tier 1 risk-based capital ratio | 11.6883% | 6,168 |
| Total risk-based capital ratio | 12.0527% | 6,608 |
| Memoranda: | ||
| Average total assets | $9,137,186,000 | 118 |
| Average earning assets | $9,049,725,500 | 105 |
| Average equity | $1,025,947,500 | 124 |
| Average total loans | $6,742,984,500 | 103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8010% | 125 |
| Cost of funding earning assets | 2.0135% | 91 |
| Net interest margin | 4.7875% | 645 |
| Noninterest income to average assets | 0.7069% | 2,558 |
| Noninterest expense to average assets | 1.0346% | 7,293 |
| Loan and lease loss provision to assets | 0.1329% | 4,950 |
| Net operating income to assets | 2.6204% | 118 |
| Return on assets (ROA) | 2.6259% | 120 |
| Pretax return on assets | 4.2889% | 70 |
| Return on Equity (ROE) | 24.6710% | 114 |
| Retained earnings to average equity (ytd only) | 12.3923% | 266 |
| Net charge-offs to loans | 0.4304% | 3,281 |
| Credit loss provision to net charge-offs | 41.6025% | 5,603 |
| Earnings coverage of net charge-offs (x) | 13.8102% | 1,514 |
| Efficiency ratio | 18.9913% | 7,334 |
| Assets per employee ($millions) | 257.8295% | 12 |
| Cash dividends to net income (ytd only)* | 49.7698% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5328% | 7,077 |
| Loan loss allowance to noncurrent loans | 316.3856% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,638 |
| Noncurrent loans to loans | 0.1684% | 6,413 |
| Net loans and leases to total assets | 73.7363% | 1,322 |
| Net loans and leases to deposits | 107.5651% | 216 |
| Net loans and leases to core deposits | 1,907.6403% | 20 |
| Total domestic deposits to total assets | 68.5503% | 7,048 |
| Equity capital to assets | 11.0772% | 2,917 |
| Core capital (leverage) ratio | 11.0487% | 2,234 |
| Tier 1 risk-based capital ratio | 11.2473% | 6,317 |
| Total risk-based capital ratio | 11.6531% | 6,707 |
| Memoranda: | ||
| Average total assets | $9,182,016,800 | 119 |
| Average earning assets | $9,092,764,000 | 105 |
| Average equity | $977,301,000 | 126 |
| Average total loans | $6,817,957,000 | 97 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9488% | 104 |
| Cost of funding earning assets | 2.1266% | 71 |
| Net interest margin | 4.8222% | 600 |
| Noninterest income to average assets | 0.7023% | 2,595 |
| Noninterest expense to average assets | 0.9626% | 7,378 |
| Loan and lease loss provision to assets | 0.1272% | 4,842 |
| Net operating income to assets | 2.7037% | 112 |
| Return on assets (ROA) | 2.7110% | 117 |
| Pretax return on assets | 4.3994% | 69 |
| Return on Equity (ROE) | 25.7274% | 115 |
| Retained earnings to average equity (ytd only) | 25.7274% | 35 |
| Net charge-offs to loans | 0.4566% | 2,909 |
| Credit loss provision to net charge-offs | 37.5213% | 5,288 |
| Earnings coverage of net charge-offs (x) | 13.3137% | 1,628 |
| Efficiency ratio | 17.5727% | 7,412 |
| Assets per employee ($millions) | 262.2182% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 7,107 |
| Loan loss allowance to noncurrent loans | 354.7739% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 6,746 |
| Noncurrent loans to loans | 0.1632% | 6,542 |
| Net loans and leases to total assets | 73.4171% | 1,430 |
| Net loans and leases to deposits | 105.6898% | 259 |
| Net loans and leases to core deposits | 2,003.2028% | 21 |
| Total domestic deposits to total assets | 69.4647% | 7,063 |
| Equity capital to assets | 11.9608% | 2,284 |
| Core capital (leverage) ratio | 11.5859% | 1,966 |
| Tier 1 risk-based capital ratio | 12.1647% | 5,766 |
| Total risk-based capital ratio | 12.6045% | 6,318 |
| Memoranda: | ||
| Average total assets | $9,221,513,000 | 117 |
| Average earning assets | $9,132,250,500 | 104 |
| Average equity | $971,722,750 | 127 |
| Average total loans | $6,850,039,500 | 96 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0149% | 102 |
| Cost of funding earning assets | 2.0834% | 108 |
| Net interest margin | 4.9315% | 456 |
| Noninterest income to average assets | 0.6878% | 2,615 |
| Noninterest expense to average assets | 0.9964% | 7,455 |
| Loan and lease loss provision to assets | 0.1335% | 4,630 |
| Net operating income to assets | 2.7361% | 129 |
| Return on assets (ROA) | 2.7470% | 130 |
| Pretax return on assets | 4.4580% | 79 |
| Return on Equity (ROE) | 27.2412% | 99 |
| Retained earnings to average equity (ytd only) | 27.2412% | 48 |
| Net charge-offs to loans | 0.4793% | 2,664 |
| Credit loss provision to net charge-offs | 37.4203% | 4,863 |
| Earnings coverage of net charge-offs (x) | 12.8232% | 1,597 |
| Efficiency ratio | 17.8863% | 7,482 |
| Assets per employee ($millions) | 266.3041% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6104% | 7,127 |
| Loan loss allowance to noncurrent loans | 378.6008% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 6,792 |
| Noncurrent loans to loans | 0.1612% | 6,578 |
| Net loans and leases to total assets | 74.0251% | 1,414 |
| Net loans and leases to deposits | 113.3116% | 141 |
| Net loans and leases to core deposits | 2,129.2010% | 24 |
| Total domestic deposits to total assets | 65.3288% | 7,277 |
| Equity capital to assets | 10.7772% | 3,198 |
| Core capital (leverage) ratio | 10.6120% | 2,608 |
| Tier 1 risk-based capital ratio | 10.9690% | 6,554 |
| Total risk-based capital ratio | 11.4361% | 6,907 |
| Memoranda: | ||
| Average total assets | $9,323,544,330 | 116 |
| Average earning assets | $9,231,991,000 | 104 |
| Average equity | $940,178,330 | 128 |
| Average total loans | $6,938,863,000 | 96 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1247% | 98 |
| Cost of funding earning assets | 2.1073% | 123 |
| Net interest margin | 5.0174% | 369 |
| Noninterest income to average assets | 0.6802% | 2,680 |
| Noninterest expense to average assets | 1.0234% | 7,511 |
| Loan and lease loss provision to assets | 0.1311% | 4,360 |
| Net operating income to assets | 2.7665% | 135 |
| Return on assets (ROA) | 2.7882% | 136 |
| Pretax return on assets | 4.5251% | 88 |
| Return on Equity (ROE) | 28.6344% | 99 |
| Retained earnings to average equity (ytd only) | 28.6344% | 69 |
| Net charge-offs to loans | 0.5174% | 2,191 |
| Credit loss provision to net charge-offs | 34.0577% | 4,051 |
| Earnings coverage of net charge-offs (x) | 12.0088% | 1,522 |
| Efficiency ratio | 18.1274% | 7,540 |
| Assets per employee ($millions) | 268.9321% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 7,120 |
| Loan loss allowance to noncurrent loans | 393.5007% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 6,847 |
| Noncurrent loans to loans | 0.1690% | 6,629 |
| Net loans and leases to total assets | 74.3650% | 1,290 |
| Net loans and leases to deposits | 111.7155% | 159 |
| Net loans and leases to core deposits | 2,187.1238% | 23 |
| Total domestic deposits to total assets | 66.5663% | 7,313 |
| Equity capital to assets | 9.9853% | 3,792 |
| Core capital (leverage) ratio | 9.9499% | 3,201 |
| Tier 1 risk-based capital ratio | 10.1553% | 6,946 |
| Total risk-based capital ratio | 10.6659% | 7,166 |
| Memoranda: | ||
| Average total assets | $9,324,995,000 | 117 |
| Average earning assets | $9,228,372,000 | 106 |
| Average equity | $908,014,000 | 130 |
| Average total loans | $6,937,302,000 | 97 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6046% | 74 |
| Cost of funding earning assets | 2.4868% | 115 |
| Net interest margin | 5.1177% | 341 |
| Noninterest income to average assets | 0.7272% | 2,667 |
| Noninterest expense to average assets | 1.0304% | 7,574 |
| Loan and lease loss provision to assets | 0.2398% | 4,888 |
| Net operating income to assets | 2.7487% | 87 |
| Return on assets (ROA) | 2.7487% | 88 |
| Pretax return on assets | 4.4985% | 59 |
| Return on Equity (ROE) | 29.4994% | 45 |
| Retained earnings to average equity (ytd only) | 29.4994% | 13 |
| Net charge-offs to loans | 0.7930% | 2,656 |
| Credit loss provision to net charge-offs | 38.9927% | 6,405 |
| Earnings coverage of net charge-offs (x) | 7.7054% | 2,078 |
| Efficiency ratio | 17.8618% | 7,629 |
| Assets per employee ($millions) | 271.6873% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 7,025 |
| Loan loss allowance to noncurrent loans | 354.4356% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 6,827 |
| Noncurrent loans to loans | 0.2181% | 6,629 |
| Net loans and leases to total assets | 73.3463% | 1,799 |
| Net loans and leases to deposits | 112.9393% | 188 |
| Net loans and leases to core deposits | 2,090.5585% | 23 |
| Total domestic deposits to total assets | 64.9432% | 7,420 |
| Equity capital to assets | 9.4848% | 4,426 |
| Core capital (leverage) ratio | 9.6846% | 3,447 |
| Tier 1 risk-based capital ratio | 9.6425% | 7,093 |
| Total risk-based capital ratio | 10.2295% | 7,255 |
| Memoranda: | ||
| Average total assets | $8,210,449,000 | 131 |
| Average earning assets | $8,088,186,800 | 118 |
| Average equity | $765,045,000 | 139 |
| Average total loans | $6,367,135,200 | 104 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7550% | 71 |
| Cost of funding earning assets | 2.5692% | 109 |
| Net interest margin | 5.1858% | 306 |
| Noninterest income to average assets | 0.7285% | 2,651 |
| Noninterest expense to average assets | 1.0124% | 7,693 |
| Loan and lease loss provision to assets | 0.2387% | 4,691 |
| Net operating income to assets | 2.8230% | 96 |
| Return on assets (ROA) | 2.8230% | 100 |
| Pretax return on assets | 4.5823% | 63 |
| Return on Equity (ROE) | 30.4545% | 46 |
| Retained earnings to average equity (ytd only) | 30.4545% | 18 |
| Net charge-offs to loans | 0.8280% | 2,382 |
| Credit loss provision to net charge-offs | 36.6741% | 6,069 |
| Earnings coverage of net charge-offs (x) | 7.4077% | 2,340 |
| Efficiency ratio | 17.3556% | 7,735 |
| Assets per employee ($millions) | 262.8511% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 6,678 |
| Loan loss allowance to noncurrent loans | 374.5064% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 6,905 |
| Noncurrent loans to loans | 0.2456% | 6,682 |
| Net loans and leases to total assets | 73.2607% | 1,964 |
| Net loans and leases to deposits | 111.0500% | 235 |
| Net loans and leases to core deposits | 2,754.2304% | 21 |
| Total domestic deposits to total assets | 65.9709% | 7,473 |
| Equity capital to assets | 9.4629% | 4,900 |
| Core capital (leverage) ratio | 9.6077% | 3,757 |
| Tier 1 risk-based capital ratio | 9.6123% | 7,220 |
| Total risk-based capital ratio | 10.3127% | 7,366 |
| Memoranda: | ||
| Average total assets | $7,953,719,500 | 132 |
| Average earning assets | $7,829,665,750 | 122 |
| Average equity | $737,270,000 | 140 |
| Average total loans | $6,251,906,750 | 107 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8498% | 71 |
| Cost of funding earning assets | 2.6442% | 110 |
| Net interest margin | 5.2056% | 278 |
| Noninterest income to average assets | 0.7298% | 2,520 |
| Noninterest expense to average assets | 1.0164% | 7,769 |
| Loan and lease loss provision to assets | 0.0990% | 5,919 |
| Net operating income to assets | 2.9126% | 90 |
| Return on assets (ROA) | 2.9126% | 91 |
| Pretax return on assets | 4.7275% | 56 |
| Return on Equity (ROE) | 31.6692% | 47 |
| Retained earnings to average equity (ytd only) | 31.6692% | 22 |
| Net charge-offs to loans | 0.8321% | 2,175 |
| Credit loss provision to net charge-offs | 14.8059% | 5,899 |
| Earnings coverage of net charge-offs (x) | 7.2187% | 2,340 |
| Efficiency ratio | 17.3953% | 7,801 |
| Assets per employee ($millions) | 247.5595% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,458 |
| Loan loss allowance to noncurrent loans | 404.1456% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 6,927 |
| Noncurrent loans to loans | 0.2444% | 6,745 |
| Net loans and leases to total assets | 75.6144% | 1,566 |
| Net loans and leases to deposits | 113.8871% | 208 |
| Net loans and leases to core deposits | 3,078.2856% | 20 |
| Total domestic deposits to total assets | 66.3941% | 7,511 |
| Equity capital to assets | 9.3914% | 4,873 |
| Core capital (leverage) ratio | 9.4778% | 3,853 |
| Tier 1 risk-based capital ratio | 9.5212% | 7,250 |
| Total risk-based capital ratio | 10.2996% | 7,411 |
| Memoranda: | ||
| Average total assets | $7,713,597,330 | 132 |
| Average earning assets | $7,576,433,670 | 124 |
| Average equity | $709,421,000 | 146 |
| Average total loans | $6,197,977,670 | 107 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0045% | 71 |
| Cost of funding earning assets | 2.6948% | 122 |
| Net interest margin | 5.3096% | 242 |
| Noninterest income to average assets | 0.7208% | 2,461 |
| Noninterest expense to average assets | 0.9979% | 7,875 |
| Loan and lease loss provision to assets | 0.0075% | 6,521 |
| Net operating income to assets | 3.0271% | 95 |
| Return on assets (ROA) | 3.0271% | 100 |
| Pretax return on assets | 4.9139% | 60 |
| Return on Equity (ROE) | 33.2975% | 62 |
| Retained earnings to average equity (ytd only) | 33.2975% | 46 |
| Net charge-offs to loans | 0.8185% | 1,897 |
| Credit loss provision to net charge-offs | 1.1155% | 5,120 |
| Earnings coverage of net charge-offs (x) | 7.2865% | 2,109 |
| Efficiency ratio | 16.8576% | 7,907 |
| Assets per employee ($millions) | 235.1910% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,624 |
| Loan loss allowance to noncurrent loans | 457.1484% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 6,964 |
| Noncurrent loans to loans | 0.2574% | 6,815 |
| Net loans and leases to total assets | 76.9113% | 1,345 |
| Net loans and leases to deposits | 111.3148% | 266 |
| Net loans and leases to core deposits | 3,314.7945% | 26 |
| Total domestic deposits to total assets | 69.0935% | 7,465 |
| Equity capital to assets | 9.1270% | 5,093 |
| Core capital (leverage) ratio | 9.3038% | 4,049 |
| Tier 1 risk-based capital ratio | 9.3362% | 7,379 |
| Total risk-based capital ratio | 10.2870% | 7,478 |
| Memoranda: | ||
| Average total assets | $7,485,663,500 | 137 |
| Average earning assets | $7,329,010,000 | 128 |
| Average equity | $680,519,500 | 148 |
| Average total loans | $6,177,516,500 | 108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5559% | 125 |
| Cost of funding earning assets | 2.9441% | 269 |
| Net interest margin | 4.6118% | 959 |
| Noninterest income to average assets | 0.8700% | 2,076 |
| Noninterest expense to average assets | 1.1532% | 7,922 |
| Loan and lease loss provision to assets | 1.4102% | 1,627 |
| Net operating income to assets | 1.7285% | 415 |
| Return on assets (ROA) | 1.7540% | 417 |
| Pretax return on assets | 2.8737% | 107 |
| Return on Equity (ROE) | 19.4791% | 270 |
| Retained earnings to average equity (ytd only) | 19.4791% | 39 |
| Net charge-offs to loans | 1.0338% | 2,347 |
| Credit loss provision to net charge-offs | 157.2226% | 2,861 |
| Earnings coverage of net charge-offs (x) | 4.7317% | 2,838 |
| Efficiency ratio | 21.3659% | 7,976 |
| Assets per employee ($millions) | 218.4856% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,624 |
| Loan loss allowance to noncurrent loans | 415.6968% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 6,755 |
| Noncurrent loans to loans | 0.3184% | 6,641 |
| Net loans and leases to total assets | 86.4221% | 254 |
| Net loans and leases to deposits | 121.8927% | 152 |
| Net loans and leases to core deposits | 121.8927% | 1,786 |
| Total domestic deposits to total assets | 70.9002% | 7,349 |
| Equity capital to assets | 9.0522% | 5,058 |
| Core capital (leverage) ratio | 9.5066% | 3,707 |
| Tier 1 risk-based capital ratio | 9.2232% | 7,369 |
| Total risk-based capital ratio | 10.4253% | 7,394 |
| Memoranda: | ||
| Average total assets | $5,993,781,800 | 151 |
| Average earning assets | $5,883,921,800 | 143 |
| Average equity | $539,711,000 | 173 |
| Average total loans | $5,200,629,000 | 121 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4616% | 154 |
| Cost of funding earning assets | 2.9868% | 343 |
| Net interest margin | 4.4747% | 1,258 |
| Noninterest income to average assets | 0.9161% | 1,918 |
| Noninterest expense to average assets | 1.2014% | 7,994 |
| Loan and lease loss provision to assets | 1.5300% | 1,245 |
| Net operating income to assets | 1.5880% | 681 |
| Return on assets (ROA) | 1.6094% | 704 |
| Pretax return on assets | 2.6197% | 159 |
| Return on Equity (ROE) | 17.9037% | 465 |
| Retained earnings to average equity (ytd only) | 17.9037% | 87 |
| Net charge-offs to loans | 1.0655% | 1,863 |
| Credit loss provision to net charge-offs | 165.9896% | 2,833 |
| Earnings coverage of net charge-offs (x) | 4.4655% | 3,130 |
| Efficiency ratio | 22.5930% | 8,047 |
| Assets per employee ($millions) | 192.0998% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 4,280 |
| Loan loss allowance to noncurrent loans | 401.8057% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 6,715 |
| Noncurrent loans to loans | 0.3326% | 6,694 |
| Net loans and leases to total assets | 91.7297% | 63 |
| Net loans and leases to deposits | 123.1543% | 152 |
| Net loans and leases to core deposits | 123.1543% | 1,982 |
| Total domestic deposits to total assets | 74.4835% | 6,868 |
| Equity capital to assets | 9.7488% | 4,424 |
| Core capital (leverage) ratio | 10.0124% | 3,264 |
| Tier 1 risk-based capital ratio | 9.9942% | 6,988 |
| Total risk-based capital ratio | 11.2448% | 6,943 |
| Memoranda: | ||
| Average total assets | $5,689,721,000 | 164 |
| Average earning assets | $5,596,449,250 | 156 |
| Average equity | $511,473,000 | 185 |
| Average total loans | $4,922,127,250 | 134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3253% | 196 |
| Cost of funding earning assets | 3.0060% | 469 |
| Net interest margin | 4.3193% | 1,602 |
| Noninterest income to average assets | 0.9405% | 1,797 |
| Noninterest expense to average assets | 1.1529% | 8,095 |
| Loan and lease loss provision to assets | 1.6168% | 1,043 |
| Net operating income to assets | 1.4883% | 859 |
| Return on assets (ROA) | 1.5218% | 857 |
| Pretax return on assets | 2.4644% | 228 |
| Return on Equity (ROE) | 17.4997% | 534 |
| Retained earnings to average equity (ytd only) | 17.4997% | 119 |
| Net charge-offs to loans | 1.1177% | 1,625 |
| Credit loss provision to net charge-offs | 172.1757% | 2,672 |
| Earnings coverage of net charge-offs (x) | 4.2906% | 3,147 |
| Efficiency ratio | 22.2494% | 8,135 |
| Assets per employee ($millions) | 169.0530% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 3,958 |
| Loan loss allowance to noncurrent loans | 417.0650% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 6,726 |
| Noncurrent loans to loans | 0.3247% | 6,696 |
| Net loans and leases to total assets | 90.4376% | 112 |
| Net loans and leases to deposits | 114.3187% | 385 |
| Net loans and leases to core deposits | 114.3187% | 2,877 |
| Total domestic deposits to total assets | 79.1100% | 5,781 |
| Equity capital to assets | 9.3733% | 4,781 |
| Core capital (leverage) ratio | 9.6583% | 3,689 |
| Tier 1 risk-based capital ratio | 9.7241% | 7,209 |
| Total risk-based capital ratio | 10.9749% | 7,151 |
| Memoranda: | ||
| Average total assets | $5,473,197,000 | 175 |
| Average earning assets | $5,374,453,000 | 165 |
| Average equity | $475,961,670 | 197 |
| Average total loans | $4,598,241,000 | 142 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0331% | 318 |
| Cost of funding earning assets | 3.0059% | 593 |
| Net interest margin | 4.0272% | 2,548 |
| Noninterest income to average assets | 0.9514% | 1,635 |
| Noninterest expense to average assets | 1.1655% | 8,124 |
| Loan and lease loss provision to assets | 1.5888% | 794 |
| Net operating income to assets | 1.3268% | 1,319 |
| Return on assets (ROA) | 1.3268% | 1,424 |
| Pretax return on assets | 2.1485% | 497 |
| Return on Equity (ROE) | 15.9248% | 838 |
| Retained earnings to average equity (ytd only) | 15.9248% | 344 |
| Net charge-offs to loans | 1.0646% | 1,278 |
| Credit loss provision to net charge-offs | 186.8136% | 2,346 |
| Earnings coverage of net charge-offs (x) | 4.3944% | 2,896 |
| Efficiency ratio | 23.7726% | 8,176 |
| Assets per employee ($millions) | 128.6001% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,703 |
| Loan loss allowance to noncurrent loans | 328.5587% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 6,399 |
| Noncurrent loans to loans | 0.4159% | 6,377 |
| Net loans and leases to total assets | 87.9269% | 271 |
| Net loans and leases to deposits | 112.2385% | 512 |
| Net loans and leases to core deposits | 112.2385% | 3,196 |
| Total domestic deposits to total assets | 78.3393% | 5,910 |
| Equity capital to assets | 8.8511% | 5,550 |
| Core capital (leverage) ratio | 8.7252% | 5,109 |
| Tier 1 risk-based capital ratio | 9.3110% | 7,574 |
| Total risk-based capital ratio | 10.5618% | 7,555 |
| Memoranda: | ||
| Average total assets | $5,335,894,500 | 178 |
| Average earning assets | $5,235,516,500 | 166 |
| Average equity | $444,563,500 | 206 |
| Average total loans | $4,262,592,500 | 153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6836% | 2,086 |
| Cost of funding earning assets | 3.2761% | 990 |
| Net interest margin | 3.4075% | 5,630 |
| Noninterest income to average assets | 1.6080% | 538 |
| Noninterest expense to average assets | 1.5932% | 7,970 |
| Loan and lease loss provision to assets | 1.6363% | 795 |
| Net operating income to assets | 1.0716% | 2,250 |
| Return on assets (ROA) | 1.0716% | 2,167 |
| Pretax return on assets | 1.7332% | 1,077 |
| Return on Equity (ROE) | 12.4230% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.4230% | 199 |
| Net charge-offs to loans | 1.1526% | 1,050 |
| Credit loss provision to net charge-offs | 178.5889% | 2,827 |
| Earnings coverage of net charge-offs (x) | 3.6775% | 4,256 |
| Efficiency ratio | 32.1036% | 8,221 |
| Assets per employee ($millions) | 138.1947% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 3,532 |
| Loan loss allowance to noncurrent loans | 344.6010% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 6,470 |
| Noncurrent loans to loans | 0.3891% | 6,177 |
| Net loans and leases to total assets | 70.3127% | 3,949 |
| Net loans and leases to deposits | 103.9663% | 1,345 |
| Net loans and leases to core deposits | 103.9663% | 4,401 |
| Total domestic deposits to total assets | 67.6303% | 7,506 |
| Equity capital to assets | 7.8481% | 7,048 |
| Core capital (leverage) ratio | 10.8694% | 2,693 |
| Tier 1 risk-based capital ratio | 10.3010% | 6,420 |
| Total risk-based capital ratio | 11.5514% | 6,290 |
| Memoranda: | ||
| Average total assets | $3,352,082,400 | 239 |
| Average earning assets | $3,300,070,400 | 224 |
| Average equity | $289,148,800 | 274 |
| Average total loans | $2,664,747,600 | 218 |