Home > Customers Bank > Performance and Condition Ratios
Customers Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9189% | 1,304 |
| Cost of funding earning assets | 2.7397% | 551 |
| Net interest margin | 3.1792% | 3,051 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 1.8127% | 3,892 |
| Loan and lease loss provision to assets | 0.5300% | 174 |
| Net operating income to assets | 1.1829% | 1,776 |
| Return on assets (ROA) | 0.2675% | 3,931 |
| Pretax return on assets | 0.2601% | 3,981 |
| Return on Equity (ROE) | 3.2700% | 3,819 |
| Retained earnings to average equity (ytd only) | -6.5762% | 4,156 |
| Net charge-offs to loans | 0.4610% | 282 |
| Credit loss provision to net charge-offs | 125.0890% | 1,125 |
| Earnings coverage of net charge-offs (x) | 5.5532% | 1,899 |
| Efficiency ratio | 51.5551% | 3,786 |
| Assets per employee ($millions) | 27.9506% | 54 |
| Cash dividends to net income (ytd only)* | 300.9430% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,504 |
| Loan loss allowance to noncurrent loans | 243.2513% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 2,004 |
| Noncurrent loans to loans | 0.3841% | 2,160 |
| Net loans and leases to total assets | 66.7200% | 2,221 |
| Net loans and leases to deposits | 78.1696% | 2,212 |
| Net loans and leases to core deposits | 127.6510% | 369 |
| Total domestic deposits to total assets | 85.3600% | 2,526 |
| Equity capital to assets | 8.1593% | 3,512 |
| Core capital (leverage) ratio | 8.4304% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9182% | 1,892 |
| Memoranda: | ||
| Average total assets | $22,356,011,500 | 95 |
| Average earning assets | $21,266,412,000 | 89 |
| Average equity | $1,827,624,000 | 112 |
| Average total loans | $14,875,762,000 | 91 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4812% | 729 |
| Cost of funding earning assets | 3.2495% | 306 |
| Net interest margin | 3.2316% | 2,659 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 1.9264% | 3,739 |
| Loan and lease loss provision to assets | 0.3500% | 339 |
| Net operating income to assets | 0.9881% | 2,093 |
| Return on assets (ROA) | 0.8859% | 2,447 |
| Pretax return on assets | 1.0971% | 2,255 |
| Return on Equity (ROE) | 10.6700% | 1,990 |
| Retained earnings to average equity (ytd only) | 3.6570% | 2,758 |
| Net charge-offs to loans | 0.4966% | 289 |
| Credit loss provision to net charge-offs | 102.1424% | 1,865 |
| Earnings coverage of net charge-offs (x) | 4.9480% | 2,619 |
| Efficiency ratio | 55.0231% | 3,649 |
| Assets per employee ($millions) | 28.1510% | 53 |
| Cash dividends to net income (ytd only)* | 65.7151% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,524 |
| Loan loss allowance to noncurrent loans | 181.3920% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 1,902 |
| Noncurrent loans to loans | 0.5146% | 1,785 |
| Net loans and leases to total assets | 65.1100% | 2,455 |
| Net loans and leases to deposits | 76.2830% | 2,432 |
| Net loans and leases to core deposits | 126.0255% | 444 |
| Total domestic deposits to total assets | 85.3500% | 2,416 |
| Equity capital to assets | 8.1910% | 3,396 |
| Core capital (leverage) ratio | 8.6516% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3349% | 1,744 |
| Memoranda: | ||
| Average total assets | $21,472,459,200 | 92 |
| Average earning assets | $20,473,747,800 | 88 |
| Average equity | $1,783,285,000 | 112 |
| Average total loans | $13,759,653,000 | 95 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5553% | 643 |
| Cost of funding earning assets | 3.3197% | 288 |
| Net interest margin | 3.2356% | 2,609 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 1.8997% | 3,757 |
| Loan and lease loss provision to assets | 0.3400% | 301 |
| Net operating income to assets | 1.0096% | 2,017 |
| Return on assets (ROA) | 1.0074% | 2,028 |
| Pretax return on assets | 1.2339% | 1,918 |
| Return on Equity (ROE) | 12.0900% | 1,593 |
| Retained earnings to average equity (ytd only) | 6.0688% | 2,058 |
| Net charge-offs to loans | 0.5292% | 252 |
| Credit loss provision to net charge-offs | 95.9923% | 1,720 |
| Earnings coverage of net charge-offs (x) | 4.6939% | 2,422 |
| Efficiency ratio | 54.5787% | 3,676 |
| Assets per employee ($millions) | 26.4115% | 61 |
| Cash dividends to net income (ytd only)* | 49.7878% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 3,494 |
| Loan loss allowance to noncurrent loans | 208.0106% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 2,020 |
| Noncurrent loans to loans | 0.4555% | 1,944 |
| Net loans and leases to total assets | 64.8300% | 2,437 |
| Net loans and leases to deposits | 76.4419% | 2,490 |
| Net loans and leases to core deposits | 133.6891% | 333 |
| Total domestic deposits to total assets | 84.8100% | 2,359 |
| Equity capital to assets | 8.5167% | 3,394 |
| Core capital (leverage) ratio | 9.0818% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0602% | 1,516 |
| Memoranda: | ||
| Average total assets | $21,266,671,000 | 94 |
| Average earning assets | $20,283,443,750 | 90 |
| Average equity | $1,772,549,500 | 115 |
| Average total loans | $13,536,177,250 | 98 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5761% | 579 |
| Cost of funding earning assets | 3.2966% | 268 |
| Net interest margin | 3.2795% | 2,460 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 1.8874% | 3,784 |
| Loan and lease loss provision to assets | 0.3500% | 272 |
| Net operating income to assets | 1.0618% | 1,816 |
| Return on assets (ROA) | 1.0557% | 1,840 |
| Pretax return on assets | 1.3953% | 1,484 |
| Return on Equity (ROE) | 12.7600% | 1,430 |
| Retained earnings to average equity (ytd only) | 8.7683% | 1,151 |
| Net charge-offs to loans | 0.5489% | 229 |
| Credit loss provision to net charge-offs | 92.1617% | 1,567 |
| Earnings coverage of net charge-offs (x) | 5.0688% | 2,233 |
| Efficiency ratio | 51.8300% | 3,911 |
| Assets per employee ($millions) | 26.0008% | 59 |
| Cash dividends to net income (ytd only)* | 31.2807% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,418 |
| Loan loss allowance to noncurrent loans | 198.5756% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 1,891 |
| Noncurrent loans to loans | 0.4892% | 1,783 |
| Net loans and leases to total assets | 64.4200% | 2,517 |
| Net loans and leases to deposits | 75.6867% | 2,571 |
| Net loans and leases to core deposits | 134.0304% | 342 |
| Total domestic deposits to total assets | 85.1100% | 2,286 |
| Equity capital to assets | 8.5717% | 3,051 |
| Core capital (leverage) ratio | 9.1603% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6444% | 1,358 |
| Memoranda: | ||
| Average total assets | $21,198,038,333 | 93 |
| Average earning assets | $20,235,812,000 | 88 |
| Average equity | $1,753,816,000 | 111 |
| Average total loans | $13,363,864,333 | 98 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5093% | 563 |
| Cost of funding earning assets | 3.3234% | 225 |
| Net interest margin | 3.1859% | 2,592 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 1.8485% | 3,876 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 0.9715% | 2,015 |
| Return on assets (ROA) | 0.9703% | 2,026 |
| Pretax return on assets | 1.2758% | 1,694 |
| Return on Equity (ROE) | 11.9400% | 1,582 |
| Retained earnings to average equity (ytd only) | 9.6311% | 1,181 |
| Net charge-offs to loans | 0.5432% | 178 |
| Credit loss provision to net charge-offs | 88.7850% | 1,243 |
| Earnings coverage of net charge-offs (x) | 4.7625% | 1,889 |
| Efficiency ratio | 53.5174% | 3,798 |
| Assets per employee ($millions) | 29.1846% | 54 |
| Cash dividends to net income (ytd only)* | 19.3364% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,270 |
| Loan loss allowance to noncurrent loans | 202.5375% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 1,874 |
| Noncurrent loans to loans | 0.4964% | 1,683 |
| Net loans and leases to total assets | 61.5100% | 2,714 |
| Net loans and leases to deposits | 72.5107% | 2,713 |
| Net loans and leases to core deposits | 118.4344% | 674 |
| Total domestic deposits to total assets | 84.8400% | 2,461 |
| Equity capital to assets | 8.2370% | 3,214 |
| Core capital (leverage) ratio | 8.8241% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8215% | 1,323 |
| Memoranda: | ||
| Average total assets | $21,318,737,000 | 90 |
| Average earning assets | $20,373,954,500 | 88 |
| Average equity | $1,732,557,500 | 111 |
| Average total loans | $13,229,477,000 | 96 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6514% | 302 |
| Cost of funding earning assets | 3.2690% | 104 |
| Net interest margin | 3.3824% | 2,441 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.6320% | 4,215 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.1945% | 1,661 |
| Return on assets (ROA) | 1.1926% | 1,644 |
| Pretax return on assets | 1.5757% | 1,281 |
| Return on Equity (ROE) | 16.1500% | 1,072 |
| Retained earnings to average equity (ytd only) | 10.4963% | 909 |
| Net charge-offs to loans | 0.5245% | 193 |
| Credit loss provision to net charge-offs | 94.2176% | 1,911 |
| Earnings coverage of net charge-offs (x) | 5.5166% | 2,525 |
| Efficiency ratio | 45.9003% | 4,197 |
| Assets per employee ($millions) | 29.8368% | 51 |
| Cash dividends to net income (ytd only)* | 34.9943% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,188 |
| Loan loss allowance to noncurrent loans | 178.0712% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 1,535 |
| Noncurrent loans to loans | 0.5756% | 1,363 |
| Net loans and leases to total assets | 61.3400% | 2,726 |
| Net loans and leases to deposits | 72.3944% | 2,734 |
| Net loans and leases to core deposits | 117.7091% | 695 |
| Total domestic deposits to total assets | 84.7300% | 2,401 |
| Equity capital to assets | 8.0167% | 3,404 |
| Core capital (leverage) ratio | 8.7080% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2828% | 1,447 |
| Memoranda: | ||
| Average total assets | $21,565,123,400 | 89 |
| Average earning assets | $20,539,903,000 | 86 |
| Average equity | $1,592,794,000 | 113 |
| Average total loans | $14,336,835,000 | 87 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6102% | 276 |
| Cost of funding earning assets | 3.2394% | 89 |
| Net interest margin | 3.3708% | 2,520 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.5924% | 4,246 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.1940% | 1,813 |
| Return on assets (ROA) | 1.1910% | 1,808 |
| Pretax return on assets | 1.5622% | 1,432 |
| Return on Equity (ROE) | 16.4700% | 1,172 |
| Retained earnings to average equity (ytd only) | 11.3564% | 1,097 |
| Net charge-offs to loans | 0.5278% | 164 |
| Credit loss provision to net charge-offs | 99.2293% | 1,633 |
| Earnings coverage of net charge-offs (x) | 5.4460% | 2,349 |
| Efficiency ratio | 45.0449% | 4,188 |
| Assets per employee ($millions) | 30.0956% | 48 |
| Cash dividends to net income (ytd only)* | 31.0532% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,290 |
| Loan loss allowance to noncurrent loans | 102.1852% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 934 |
| Noncurrent loans to loans | 0.9934% | 818 |
| Net loans and leases to total assets | 62.1300% | 2,643 |
| Net loans and leases to deposits | 74.0515% | 2,557 |
| Net loans and leases to core deposits | 124.2678% | 451 |
| Total domestic deposits to total assets | 83.9000% | 2,804 |
| Equity capital to assets | 7.5875% | 3,302 |
| Core capital (leverage) ratio | 8.2464% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4550% | 1,727 |
| Memoranda: | ||
| Average total assets | $21,630,528,750 | 90 |
| Average earning assets | $20,585,619,750 | 85 |
| Average equity | $1,564,034,500 | 116 |
| Average total loans | $14,620,523,000 | 88 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2893% | 314 |
| Cost of funding earning assets | 3.1785% | 66 |
| Net interest margin | 3.1108% | 3,201 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.5689% | 4,281 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 0.9695% | 2,517 |
| Return on assets (ROA) | 0.9695% | 2,513 |
| Pretax return on assets | 1.3058% | 2,069 |
| Return on Equity (ROE) | 13.6400% | 1,762 |
| Retained earnings to average equity (ytd only) | 7.1110% | 2,247 |
| Net charge-offs to loans | 0.5411% | 152 |
| Credit loss provision to net charge-offs | 99.9926% | 1,462 |
| Earnings coverage of net charge-offs (x) | 4.5562% | 2,212 |
| Efficiency ratio | 47.8977% | 4,071 |
| Assets per employee ($millions) | 31.8743% | 43 |
| Cash dividends to net income (ytd only)* | 47.8478% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,399 |
| Loan loss allowance to noncurrent loans | 86.3962% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 697 |
| Noncurrent loans to loans | 1.1620% | 606 |
| Net loans and leases to total assets | 62.5300% | 2,522 |
| Net loans and leases to deposits | 76.2228% | 2,290 |
| Net loans and leases to core deposits | 124.0278% | 427 |
| Total domestic deposits to total assets | 82.0300% | 3,226 |
| Equity capital to assets | 7.0726% | 3,758 |
| Core capital (leverage) ratio | 8.0003% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3800% | 2,143 |
| Memoranda: | ||
| Average total assets | $21,557,566,667 | 88 |
| Average earning assets | $20,494,449,000 | 84 |
| Average equity | $1,532,773,000 | 116 |
| Average total loans | $14,922,870,000 | 83 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2076% | 249 |
| Cost of funding earning assets | 3.2146% | 19 |
| Net interest margin | 2.9930% | 3,619 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.4946% | 4,391 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 1.0406% | 2,411 |
| Return on assets (ROA) | 1.0416% | 2,374 |
| Pretax return on assets | 1.3239% | 2,102 |
| Return on Equity (ROE) | 14.6100% | 1,642 |
| Retained earnings to average equity (ytd only) | 6.7158% | 2,580 |
| Net charge-offs to loans | 0.4835% | 171 |
| Credit loss provision to net charge-offs | 96.5523% | 1,152 |
| Earnings coverage of net charge-offs (x) | 4.8470% | 1,839 |
| Efficiency ratio | 46.8487% | 4,172 |
| Assets per employee ($millions) | 33.1331% | 40 |
| Cash dividends to net income (ytd only)* | 54.0297% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 3,949 |
| Loan loss allowance to noncurrent loans | 120.1400% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 1,039 |
| Noncurrent loans to loans | 0.7199% | 1,051 |
| Net loans and leases to total assets | 68.6000% | 1,777 |
| Net loans and leases to deposits | 83.8450% | 1,510 |
| Net loans and leases to core deposits | 127.6152% | 309 |
| Total domestic deposits to total assets | 81.8200% | 3,507 |
| Equity capital to assets | 7.0637% | 3,800 |
| Core capital (leverage) ratio | 8.0917% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6361% | 2,520 |
| Memoranda: | ||
| Average total assets | $21,323,765,500 | 92 |
| Average earning assets | $20,274,091,500 | 90 |
| Average equity | $1,520,288,000 | 119 |
| Average total loans | $15,428,852,000 | 85 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 586 |
| Cost of funding earning assets | 1.3132% | 47 |
| Net interest margin | 3.3125% | 2,533 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.5097% | 4,417 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.2819% | 1,497 |
| Return on assets (ROA) | 1.1878% | 1,754 |
| Pretax return on assets | 1.5176% | 1,399 |
| Return on Equity (ROE) | 16.1300% | 1,032 |
| Retained earnings to average equity (ytd only) | 12.6034% | 572 |
| Net charge-offs to loans | 0.4399% | 173 |
| Credit loss provision to net charge-offs | 89.6334% | 1,635 |
| Earnings coverage of net charge-offs (x) | 5.8605% | 2,357 |
| Efficiency ratio | 43.7358% | 4,438 |
| Assets per employee ($millions) | 31.3029% | 42 |
| Cash dividends to net income (ytd only)* | 21.8471% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 3,964 |
| Loan loss allowance to noncurrent loans | 192.8899% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,552 |
| Noncurrent loans to loans | 0.4297% | 1,637 |
| Net loans and leases to total assets | 75.0200% | 1,129 |
| Net loans and leases to deposits | 85.7277% | 1,333 |
| Net loans and leases to core deposits | 118.3887% | 396 |
| Total domestic deposits to total assets | 87.5100% | 2,232 |
| Equity capital to assets | 7.1982% | 3,554 |
| Core capital (leverage) ratio | 8.1497% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4000% | 2,611 |
| Memoranda: | ||
| Average total assets | $20,038,763,000 | 99 |
| Average earning assets | $19,113,010,400 | 94 |
| Average equity | $1,475,938,400 | 127 |
| Average total loans | $15,087,623,200 | 84 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 681 |
| Cost of funding earning assets | 0.8356% | 136 |
| Net interest margin | 3.4958% | 1,675 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.5092% | 4,414 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.4322% | 1,002 |
| Return on assets (ROA) | 1.3952% | 1,076 |
| Pretax return on assets | 1.7884% | 750 |
| Return on Equity (ROE) | 18.8300% | 539 |
| Retained earnings to average equity (ytd only) | 14.2926% | 431 |
| Net charge-offs to loans | 0.3506% | 179 |
| Credit loss provision to net charge-offs | 80.5964% | 1,420 |
| Earnings coverage of net charge-offs (x) | 7.7936% | 2,065 |
| Efficiency ratio | 42.3298% | 4,515 |
| Assets per employee ($millions) | 30.2971% | 47 |
| Cash dividends to net income (ytd only)* | 24.0972% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 3,986 |
| Loan loss allowance to noncurrent loans | 160.2287% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 1,354 |
| Noncurrent loans to loans | 0.5298% | 1,477 |
| Net loans and leases to total assets | 74.6900% | 1,042 |
| Net loans and leases to deposits | 86.1520% | 1,162 |
| Net loans and leases to core deposits | 110.0388% | 467 |
| Total domestic deposits to total assets | 86.6900% | 2,856 |
| Equity capital to assets | 7.2617% | 3,368 |
| Core capital (leverage) ratio | 8.0986% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6456% | 2,604 |
| Memoranda: | ||
| Average total assets | $19,828,687,500 | 102 |
| Average earning assets | $18,923,992,250 | 96 |
| Average equity | $1,469,193,750 | 128 |
| Average total loans | $14,910,861,500 | 85 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 874 |
| Cost of funding earning assets | 0.4670% | 637 |
| Net interest margin | 3.5728% | 1,122 |
| Noninterest income to average assets | 0.4060% | 2,720 |
| Noninterest expense to average assets | 1.5145% | 4,405 |
| Loan and lease loss provision to assets | 0.4106% | 140 |
| Net operating income to assets | 1.4766% | 750 |
| Return on assets (ROA) | 1.4398% | 796 |
| Pretax return on assets | 1.8472% | 534 |
| Return on Equity (ROE) | 19.2997% | 363 |
| Retained earnings to average equity (ytd only) | 15.8893% | 200 |
| Net charge-offs to loans | 0.2804% | 245 |
| Credit loss provision to net charge-offs | 190.4376% | 993 |
| Earnings coverage of net charge-offs (x) | 10.9348% | 1,742 |
| Efficiency ratio | 39.6311% | 4,621 |
| Assets per employee ($millions) | 29.2525% | 45 |
| Cash dividends to net income (ytd only)* | 17.6707% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,597 |
| Loan loss allowance to noncurrent loans | 271.9659% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 1,882 |
| Noncurrent loans to loans | 0.3674% | 2,047 |
| Net loans and leases to total assets | 76.6093% | 674 |
| Net loans and leases to deposits | 91.0356% | 663 |
| Net loans and leases to core deposits | 108.6167% | 376 |
| Total domestic deposits to total assets | 84.1531% | 3,661 |
| Equity capital to assets | 7.2415% | 3,637 |
| Core capital (leverage) ratio | 8.0872% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9058% | 2,528 |
| Memoranda: | ||
| Average total assets | $19,651,697,000 | 104 |
| Average earning assets | $18,771,723,333 | 100 |
| Average equity | $1,466,105,667 | 130 |
| Average total loans | $14,768,919,333 | 83 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 833 |
| Cost of funding earning assets | 0.3371% | 1,310 |
| Net interest margin | 3.6240% | 863 |
| Noninterest income to average assets | 0.4798% | 2,235 |
| Noninterest expense to average assets | 1.5170% | 4,403 |
| Loan and lease loss provision to assets | 0.3283% | 181 |
| Net operating income to assets | 1.6742% | 430 |
| Return on assets (ROA) | 1.6520% | 456 |
| Pretax return on assets | 2.0712% | 314 |
| Return on Equity (ROE) | 21.8090% | 162 |
| Retained earnings to average equity (ytd only) | 16.3528% | 215 |
| Net charge-offs to loans | 0.2018% | 305 |
| Credit loss provision to net charge-offs | 211.3064% | 759 |
| Earnings coverage of net charge-offs (x) | 16.2542% | 1,339 |
| Efficiency ratio | 38.4305% | 4,674 |
| Assets per employee ($millions) | 29.8854% | 49 |
| Cash dividends to net income (ytd only)* | 25.0181% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,576 |
| Loan loss allowance to noncurrent loans | 293.5492% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 2,108 |
| Noncurrent loans to loans | 0.3530% | 2,217 |
| Net loans and leases to total assets | 72.7045% | 771 |
| Net loans and leases to deposits | 83.8739% | 887 |
| Net loans and leases to core deposits | 89.6742% | 939 |
| Total domestic deposits to total assets | 86.6831% | 3,043 |
| Equity capital to assets | 7.6669% | 3,818 |
| Core capital (leverage) ratio | 8.2106% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0324% | 2,597 |
| Memoranda: | ||
| Average total assets | $19,356,172,000 | 105 |
| Average earning assets | $18,503,743,500 | 103 |
| Average equity | $1,466,218,500 | 134 |
| Average total loans | $14,321,202,000 | 86 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 873 |
| Cost of funding earning assets | 0.4655% | 1,094 |
| Net interest margin | 3.8146% | 975 |
| Noninterest income to average assets | 0.2527% | 3,857 |
| Noninterest expense to average assets | 1.6374% | 4,379 |
| Loan and lease loss provision to assets | 0.1421% | 844 |
| Net operating income to assets | 1.5508% | 911 |
| Return on assets (ROA) | 1.6803% | 691 |
| Pretax return on assets | 2.2712% | 360 |
| Return on Equity (ROE) | 23.8369% | 147 |
| Retained earnings to average equity (ytd only) | 11.0228% | 696 |
| Net charge-offs to loans | 0.2138% | 434 |
| Credit loss provision to net charge-offs | 81.1468% | 1,946 |
| Earnings coverage of net charge-offs (x) | 12.7453% | 2,102 |
| Efficiency ratio | 42.0965% | 4,641 |
| Assets per employee ($millions) | 30.5083% | 53 |
| Cash dividends to net income (ytd only)* | 53.7575% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,949 |
| Loan loss allowance to noncurrent loans | 270.1668% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 2,247 |
| Noncurrent loans to loans | 0.3501% | 2,328 |
| Net loans and leases to total assets | 73.7944% | 680 |
| Net loans and leases to deposits | 85.1203% | 847 |
| Net loans and leases to core deposits | 99.6601% | 551 |
| Total domestic deposits to total assets | 86.6943% | 2,627 |
| Equity capital to assets | 7.4849% | 4,596 |
| Core capital (leverage) ratio | 7.9249% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1102% | 2,592 |
| Memoranda: | ||
| Average total assets | $19,150,539,800 | 104 |
| Average earning assets | $18,244,485,400 | 100 |
| Average equity | $1,349,933,200 | 143 |
| Average total loans | $15,810,400,200 | 82 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 1,149 |
| Cost of funding earning assets | 0.4984% | 1,052 |
| Net interest margin | 3.6708% | 1,404 |
| Noninterest income to average assets | 0.2139% | 4,120 |
| Noninterest expense to average assets | 1.6281% | 4,429 |
| Loan and lease loss provision to assets | 0.0907% | 1,321 |
| Net operating income to assets | 1.3421% | 1,713 |
| Return on assets (ROA) | 1.5159% | 1,287 |
| Pretax return on assets | 2.2084% | 535 |
| Return on Equity (ROE) | 21.8519% | 313 |
| Retained earnings to average equity (ytd only) | 9.9483% | 1,331 |
| Net charge-offs to loans | 0.2168% | 380 |
| Credit loss provision to net charge-offs | 51.6326% | 1,850 |
| Earnings coverage of net charge-offs (x) | 11.3308% | 2,003 |
| Efficiency ratio | 43.8839% | 4,591 |
| Assets per employee ($millions) | 30.3470% | 48 |
| Cash dividends to net income (ytd only)* | 54.4743% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8475% | 4,282 |
| Loan loss allowance to noncurrent loans | 243.6239% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 2,360 |
| Noncurrent loans to loans | 0.3479% | 2,532 |
| Net loans and leases to total assets | 80.4664% | 266 |
| Net loans and leases to deposits | 89.9362% | 610 |
| Net loans and leases to core deposits | 107.7398% | 370 |
| Total domestic deposits to total assets | 89.4706% | 1,025 |
| Equity capital to assets | 7.4128% | 4,728 |
| Core capital (leverage) ratio | 8.6603% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1606% | 2,305 |
| Memoranda: | ||
| Average total assets | $19,049,227,000 | 104 |
| Average earning assets | $18,127,744,000 | 101 |
| Average equity | $1,321,485,250 | 145 |
| Average total loans | $16,120,779,000 | 80 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 2,678 |
| Cost of funding earning assets | 0.5271% | 1,049 |
| Net interest margin | 3.0554% | 3,165 |
| Noninterest income to average assets | 0.1117% | 4,645 |
| Noninterest expense to average assets | 1.6191% | 4,483 |
| Loan and lease loss provision to assets | -0.0092% | 4,405 |
| Net operating income to assets | 0.8208% | 3,446 |
| Return on assets (ROA) | 1.0323% | 2,854 |
| Pretax return on assets | 1.6845% | 1,520 |
| Return on Equity (ROE) | 15.1768% | 1,113 |
| Retained earnings to average equity (ytd only) | 5.4089% | 3,034 |
| Net charge-offs to loans | 0.2342% | 375 |
| Credit loss provision to net charge-offs | 1.9464% | 1,796 |
| Earnings coverage of net charge-offs (x) | 6.9816% | 1,934 |
| Efficiency ratio | 53.4535% | 3,874 |
| Assets per employee ($millions) | 32.4543% | 49 |
| Cash dividends to net income (ytd only)* | 64.3606% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 4,469 |
| Loan loss allowance to noncurrent loans | 259.2188% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 2,702 |
| Noncurrent loans to loans | 0.2852% | 2,911 |
| Net loans and leases to total assets | 85.7741% | 89 |
| Net loans and leases to deposits | 120.6309% | 54 |
| Net loans and leases to core deposits | 148.2774% | 71 |
| Total domestic deposits to total assets | 71.1046% | 4,731 |
| Equity capital to assets | 6.8968% | 4,865 |
| Core capital (leverage) ratio | 9.0702% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7719% | 2,447 |
| Memoranda: | ||
| Average total assets | $18,958,865,000 | 105 |
| Average earning assets | $18,087,675,667 | 98 |
| Average equity | $1,289,570,000 | 145 |
| Average total loans | $16,322,526,333 | 80 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 2,541 |
| Cost of funding earning assets | 0.5851% | 940 |
| Net interest margin | 3.0457% | 3,145 |
| Noninterest income to average assets | -0.1251% | 4,960 |
| Noninterest expense to average assets | 1.7838% | 4,242 |
| Loan and lease loss provision to assets | -0.0903% | 4,709 |
| Net operating income to assets | 0.3208% | 4,489 |
| Return on assets (ROA) | 0.7208% | 3,727 |
| Pretax return on assets | 1.5908% | 1,752 |
| Return on Equity (ROE) | 10.6749% | 2,468 |
| Retained earnings to average equity (ytd only) | 0.1817% | 4,347 |
| Net charge-offs to loans | 0.3130% | 270 |
| Credit loss provision to net charge-offs | -23.3030% | 2,713 |
| Earnings coverage of net charge-offs (x) | 3.6963% | 1,753 |
| Efficiency ratio | 64.1658% | 2,443 |
| Assets per employee ($millions) | 32.0393% | 48 |
| Cash dividends to net income (ytd only)* | 98.2982% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 4,417 |
| Loan loss allowance to noncurrent loans | 254.2130% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 2,805 |
| Noncurrent loans to loans | 0.3132% | 2,981 |
| Net loans and leases to total assets | 85.2848% | 107 |
| Net loans and leases to deposits | 127.9582% | 43 |
| Net loans and leases to core deposits | 158.1548% | 64 |
| Total domestic deposits to total assets | 66.6506% | 4,827 |
| Equity capital to assets | 6.9957% | 4,847 |
| Core capital (leverage) ratio | 9.3520% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1055% | 2,627 |
| Memoranda: | ||
| Average total assets | $18,620,884,500 | 107 |
| Average earning assets | $17,749,830,000 | 101 |
| Average equity | $1,257,267,000 | 146 |
| Average total loans | $16,000,278,500 | 82 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6642% | 3,667 |
| Cost of funding earning assets | 0.8763% | 922 |
| Net interest margin | 2.7879% | 4,280 |
| Noninterest income to average assets | 0.5126% | 2,578 |
| Noninterest expense to average assets | 1.6891% | 4,632 |
| Loan and lease loss provision to assets | 0.3993% | 788 |
| Net operating income to assets | 0.7873% | 3,146 |
| Return on assets (ROA) | 0.8882% | 2,886 |
| Pretax return on assets | 1.1813% | 2,398 |
| Return on Equity (ROE) | 12.2303% | 1,255 |
| Retained earnings to average equity (ytd only) | 6.5370% | 1,576 |
| Net charge-offs to loans | 0.4024% | 428 |
| Credit loss provision to net charge-offs | 114.5386% | 2,686 |
| Earnings coverage of net charge-offs (x) | 4.1676% | 3,017 |
| Efficiency ratio | 53.5779% | 4,254 |
| Assets per employee ($millions) | 22.0775% | 76 |
| Cash dividends to net income (ytd only)* | 46.5509% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,158 |
| Loan loss allowance to noncurrent loans | 198.9787% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 2,411 |
| Noncurrent loans to loans | 0.4577% | 2,598 |
| Net loans and leases to total assets | 85.1008% | 131 |
| Net loans and leases to deposits | 137.3369% | 31 |
| Net loans and leases to core deposits | 168.1380% | 62 |
| Total domestic deposits to total assets | 61.9650% | 4,897 |
| Equity capital to assets | 6.5033% | 4,957 |
| Core capital (leverage) ratio | 9.2084% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0600% | 2,906 |
| Memoranda: | ||
| Average total assets | $15,721,265,600 | 112 |
| Average earning assets | $14,827,478,600 | 107 |
| Average equity | $1,141,690,600 | 153 |
| Average total loans | $13,620,046,800 | 90 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 3,848 |
| Cost of funding earning assets | 0.9626% | 870 |
| Net interest margin | 2.7124% | 4,450 |
| Noninterest income to average assets | 0.5148% | 2,545 |
| Noninterest expense to average assets | 1.7246% | 4,596 |
| Loan and lease loss provision to assets | 0.5822% | 444 |
| Net operating income to assets | 0.5950% | 3,783 |
| Return on assets (ROA) | 0.7353% | 3,439 |
| Pretax return on assets | 0.9382% | 3,269 |
| Return on Equity (ROE) | 9.8115% | 2,087 |
| Retained earnings to average equity (ytd only) | 4.4896% | 2,805 |
| Net charge-offs to loans | 0.4728% | 313 |
| Credit loss provision to net charge-offs | 141.7706% | 2,373 |
| Earnings coverage of net charge-offs (x) | 3.2699% | 2,923 |
| Efficiency ratio | 56.0038% | 3,921 |
| Assets per employee ($millions) | 21.2907% | 75 |
| Cash dividends to net income (ytd only)* | 54.2410% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,946 |
| Loan loss allowance to noncurrent loans | 238.3857% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 2,748 |
| Noncurrent loans to loans | 0.3930% | 2,885 |
| Net loans and leases to total assets | 87.6986% | 85 |
| Net loans and leases to deposits | 150.5685% | 26 |
| Net loans and leases to core deposits | 176.3022% | 57 |
| Total domestic deposits to total assets | 58.2450% | 4,940 |
| Equity capital to assets | 6.1257% | 5,001 |
| Core capital (leverage) ratio | 9.2877% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6158% | 3,004 |
| Memoranda: | ||
| Average total assets | $15,042,905,750 | 115 |
| Average earning assets | $14,156,905,500 | 109 |
| Average equity | $1,127,399,000 | 153 |
| Average total loans | $13,066,995,750 | 95 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 3,666 |
| Cost of funding earning assets | 1.1222% | 667 |
| Net interest margin | 2.7604% | 4,497 |
| Noninterest income to average assets | 0.5232% | 2,472 |
| Noninterest expense to average assets | 1.8783% | 4,444 |
| Loan and lease loss provision to assets | 0.7640% | 329 |
| Net operating income to assets | 0.3398% | 4,350 |
| Return on assets (ROA) | 0.4351% | 4,219 |
| Pretax return on assets | 0.5825% | 4,095 |
| Return on Equity (ROE) | 5.3617% | 3,731 |
| Retained earnings to average equity (ytd only) | -1.7799% | 4,565 |
| Net charge-offs to loans | 0.4885% | 329 |
| Credit loss provision to net charge-offs | 181.6153% | 1,989 |
| Earnings coverage of net charge-offs (x) | 2.9140% | 2,726 |
| Efficiency ratio | 60.2211% | 3,386 |
| Assets per employee ($millions) | 19.9471% | 81 |
| Cash dividends to net income (ytd only)* | 133.1957% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,341 |
| Loan loss allowance to noncurrent loans | 181.7020% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 2,362 |
| Noncurrent loans to loans | 0.5756% | 2,433 |
| Net loans and leases to total assets | 84.5621% | 219 |
| Net loans and leases to deposits | 136.8128% | 41 |
| Net loans and leases to core deposits | 187.1933% | 47 |
| Total domestic deposits to total assets | 61.8086% | 4,944 |
| Equity capital to assets | 6.1748% | 5,031 |
| Core capital (leverage) ratio | 9.5927% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3055% | 2,887 |
| Memoranda: | ||
| Average total assets | $13,804,840,667 | 120 |
| Average earning assets | $12,906,982,000 | 116 |
| Average equity | $1,120,196,333 | 154 |
| Average total loans | $11,887,568,000 | 101 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 2,055 |
| Cost of funding earning assets | 1.5205% | 244 |
| Net interest margin | 3.0607% | 4,178 |
| Noninterest income to average assets | 0.6592% | 1,807 |
| Noninterest expense to average assets | 2.2540% | 3,878 |
| Loan and lease loss provision to assets | 1.0811% | 192 |
| Net operating income to assets | 0.1175% | 4,640 |
| Return on assets (ROA) | 0.2243% | 4,507 |
| Pretax return on assets | 0.3075% | 4,442 |
| Return on Equity (ROE) | 2.3389% | 4,378 |
| Retained earnings to average equity (ytd only) | -4.7541% | 4,501 |
| Net charge-offs to loans | 0.7347% | 208 |
| Credit loss provision to net charge-offs | 169.8824% | 1,514 |
| Earnings coverage of net charge-offs (x) | 1.9697% | 2,325 |
| Efficiency ratio | 63.9470% | 3,241 |
| Assets per employee ($millions) | 13.9492% | 159 |
| Cash dividends to net income (ytd only)* | 303.2600% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,534 |
| Loan loss allowance to noncurrent loans | 278.5235% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 2,681 |
| Noncurrent loans to loans | 0.5193% | 2,707 |
| Net loans and leases to total assets | 84.6954% | 223 |
| Net loans and leases to deposits | 119.8004% | 82 |
| Net loans and leases to core deposits | 147.2742% | 125 |
| Total domestic deposits to total assets | 70.6971% | 4,831 |
| Equity capital to assets | 8.9722% | 4,619 |
| Core capital (leverage) ratio | 9.9923% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2073% | 3,039 |
| Memoranda: | ||
| Average total assets | $11,760,998,000 | 132 |
| Average earning assets | $10,944,371,000 | 128 |
| Average equity | $1,127,877,500 | 154 |
| Average total loans | $10,186,251,500 | 110 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5564% | 2,761 |
| Cost of funding earning assets | 1.7784% | 149 |
| Net interest margin | 2.7780% | 4,771 |
| Noninterest income to average assets | 0.7272% | 1,715 |
| Noninterest expense to average assets | 2.1239% | 4,319 |
| Loan and lease loss provision to assets | 0.2228% | 870 |
| Net operating income to assets | 0.7599% | 3,672 |
| Return on assets (ROA) | 0.7672% | 3,734 |
| Pretax return on assets | 0.9896% | 3,485 |
| Return on Equity (ROE) | 7.5932% | 3,326 |
| Retained earnings to average equity (ytd only) | 1.2226% | 4,305 |
| Net charge-offs to loans | 0.0826% | 1,936 |
| Credit loss provision to net charge-offs | 309.8082% | 895 |
| Earnings coverage of net charge-offs (x) | 16.7320% | 2,147 |
| Efficiency ratio | 63.4768% | 3,151 |
| Assets per employee ($millions) | 13.2777% | 174 |
| Cash dividends to net income (ytd only)* | 83.8987% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5609% | 4,804 |
| Loan loss allowance to noncurrent loans | 231.1183% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 3,609 |
| Noncurrent loans to loans | 0.2427% | 3,579 |
| Net loans and leases to total assets | 86.8218% | 127 |
| Net loans and leases to deposits | 114.7049% | 124 |
| Net loans and leases to core deposits | 142.0698% | 165 |
| Total domestic deposits to total assets | 75.6915% | 4,633 |
| Equity capital to assets | 10.2345% | 3,693 |
| Core capital (leverage) ratio | 10.3790% | 3,096 |
| Tier 1 risk-based capital ratio | 11.3234% | 4,720 |
| Total risk-based capital ratio | 12.9325% | 4,419 |
| Memoranda: | ||
| Average total assets | $10,875,166,600 | 132 |
| Average earning assets | $10,177,738,400 | 130 |
| Average equity | $1,098,797,000 | 153 |
| Average total loans | $9,468,176,800 | 114 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 3,008 |
| Cost of funding earning assets | 1.8109% | 134 |
| Net interest margin | 2.7053% | 4,936 |
| Noninterest income to average assets | 0.6692% | 1,919 |
| Noninterest expense to average assets | 2.1475% | 4,281 |
| Loan and lease loss provision to assets | 0.1809% | 1,010 |
| Net operating income to assets | 0.6721% | 4,102 |
| Return on assets (ROA) | 0.6819% | 4,131 |
| Pretax return on assets | 0.8854% | 3,924 |
| Return on Equity (ROE) | 6.7728% | 3,780 |
| Retained earnings to average equity (ytd only) | 0.5941% | 4,647 |
| Net charge-offs to loans | 0.0495% | 2,129 |
| Credit loss provision to net charge-offs | 420.4453% | 726 |
| Earnings coverage of net charge-offs (x) | 24.4948% | 1,795 |
| Efficiency ratio | 66.7005% | 2,634 |
| Assets per employee ($millions) | 13.7448% | 151 |
| Cash dividends to net income (ytd only)* | 91.2276% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4967% | 4,976 |
| Loan loss allowance to noncurrent loans | 247.8301% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 3,863 |
| Noncurrent loans to loans | 0.2004% | 3,824 |
| Net loans and leases to total assets | 87.2256% | 128 |
| Net loans and leases to deposits | 114.1417% | 138 |
| Net loans and leases to core deposits | 156.6144% | 99 |
| Total domestic deposits to total assets | 76.4187% | 4,594 |
| Equity capital to assets | 9.4699% | 4,482 |
| Core capital (leverage) ratio | 9.8294% | 3,810 |
| Tier 1 risk-based capital ratio | 10.8466% | 4,970 |
| Total risk-based capital ratio | 12.4210% | 4,722 |
| Memoranda: | ||
| Average total assets | $10,716,026,000 | 134 |
| Average earning assets | $10,030,279,250 | 131 |
| Average equity | $1,078,954,750 | 155 |
| Average total loans | $9,322,452,750 | 116 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 3,364 |
| Cost of funding earning assets | 1.7787% | 138 |
| Net interest margin | 2.6108% | 5,067 |
| Noninterest income to average assets | 0.6200% | 2,066 |
| Noninterest expense to average assets | 2.1837% | 4,256 |
| Loan and lease loss provision to assets | 0.1949% | 891 |
| Net operating income to assets | 0.5281% | 4,465 |
| Return on assets (ROA) | 0.5281% | 4,494 |
| Pretax return on assets | 0.6827% | 4,369 |
| Return on Equity (ROE) | 5.1305% | 4,315 |
| Retained earnings to average equity (ytd only) | -0.4848% | 4,763 |
| Net charge-offs to loans | 0.0377% | 2,131 |
| Credit loss provision to net charge-offs | 595.9340% | 535 |
| Earnings coverage of net charge-offs (x) | 26.8397% | 1,564 |
| Efficiency ratio | 70.9219% | 2,079 |
| Assets per employee ($millions) | 12.9360% | 163 |
| Cash dividends to net income (ytd only)* | 109.4491% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 5,021 |
| Loan loss allowance to noncurrent loans | 270.3542% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 3,917 |
| Noncurrent loans to loans | 0.1841% | 3,896 |
| Net loans and leases to total assets | 86.5457% | 175 |
| Net loans and leases to deposits | 117.9239% | 105 |
| Net loans and leases to core deposits | 167.0337% | 79 |
| Total domestic deposits to total assets | 73.3912% | 4,873 |
| Equity capital to assets | 9.6108% | 4,307 |
| Core capital (leverage) ratio | 10.3182% | 3,267 |
| Tier 1 risk-based capital ratio | 11.1896% | 4,839 |
| Total risk-based capital ratio | 12.8410% | 4,533 |
| Memoranda: | ||
| Average total assets | $10,379,943,670 | 136 |
| Average earning assets | $9,706,089,000 | 134 |
| Average equity | $1,068,514,670 | 157 |
| Average total loans | $9,004,063,000 | 118 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 3,459 |
| Cost of funding earning assets | 1.7315% | 142 |
| Net interest margin | 2.6002% | 5,138 |
| Noninterest income to average assets | 0.7905% | 1,315 |
| Noninterest expense to average assets | 2.1541% | 4,366 |
| Loan and lease loss provision to assets | 0.1910% | 848 |
| Net operating income to assets | 0.6682% | 4,029 |
| Return on assets (ROA) | 0.6682% | 4,067 |
| Pretax return on assets | 0.8767% | 3,837 |
| Return on Equity (ROE) | 6.2585% | 3,938 |
| Retained earnings to average equity (ytd only) | 0.8160% | 4,362 |
| Net charge-offs to loans | 0.0490% | 1,580 |
| Credit loss provision to net charge-offs | 449.7170% | 651 |
| Earnings coverage of net charge-offs (x) | 25.1368% | 1,436 |
| Efficiency ratio | 66.4536% | 2,875 |
| Assets per employee ($millions) | 12.0365% | 208 |
| Cash dividends to net income (ytd only)* | 86.9617% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 5,082 |
| Loan loss allowance to noncurrent loans | 168.6122% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 3,559 |
| Noncurrent loans to loans | 0.2962% | 3,507 |
| Net loans and leases to total assets | 85.8645% | 201 |
| Net loans and leases to deposits | 116.7950% | 120 |
| Net loans and leases to core deposits | 147.5347% | 135 |
| Total domestic deposits to total assets | 73.5173% | 4,967 |
| Equity capital to assets | 10.5745% | 3,281 |
| Core capital (leverage) ratio | 10.9691% | 2,600 |
| Tier 1 risk-based capital ratio | 12.5735% | 4,120 |
| Total risk-based capital ratio | 14.3710% | 3,726 |
| Memoranda: | ||
| Average total assets | $9,981,566,000 | 142 |
| Average earning assets | $9,333,644,500 | 138 |
| Average equity | $1,065,684,500 | 158 |
| Average total loans | $8,645,423,000 | 122 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 3,263 |
| Cost of funding earning assets | 1.5459% | 72 |
| Net interest margin | 2.7078% | 5,091 |
| Noninterest income to average assets | 0.7618% | 1,597 |
| Noninterest expense to average assets | 2.0986% | 4,567 |
| Loan and lease loss provision to assets | 0.0541% | 3,091 |
| Net operating income to assets | 0.9156% | 3,383 |
| Return on assets (ROA) | 0.7742% | 3,901 |
| Pretax return on assets | 0.9823% | 3,668 |
| Return on Equity (ROE) | 7.7390% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.4047% | 3,718 |
| Net charge-offs to loans | 0.0419% | 2,575 |
| Credit loss provision to net charge-offs | 153.1072% | 1,797 |
| Earnings coverage of net charge-offs (x) | 34.3832% | 1,466 |
| Efficiency ratio | 62.9495% | 3,353 |
| Assets per employee ($millions) | 11.8844% | 207 |
| Cash dividends to net income (ytd only)* | 56.0057% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4678% | 5,156 |
| Loan loss allowance to noncurrent loans | 129.1336% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 3,261 |
| Noncurrent loans to loans | 0.3622% | 3,240 |
| Net loans and leases to total assets | 86.5355% | 206 |
| Net loans and leases to deposits | 118.7380% | 107 |
| Net loans and leases to core deposits | 154.8256% | 113 |
| Total domestic deposits to total assets | 72.8794% | 5,014 |
| Equity capital to assets | 10.7818% | 2,899 |
| Core capital (leverage) ratio | 10.6995% | 2,834 |
| Tier 1 risk-based capital ratio | 12.8222% | 3,956 |
| Total risk-based capital ratio | 14.6190% | 3,516 |
| Memoranda: | ||
| Average total assets | $10,424,664,800 | 131 |
| Average earning assets | $9,825,402,200 | 125 |
| Average equity | $1,042,843,200 | 156 |
| Average total loans | $8,788,598,200 | 116 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 3,306 |
| Cost of funding earning assets | 1.4896% | 70 |
| Net interest margin | 2.7146% | 5,157 |
| Noninterest income to average assets | 0.7521% | 1,666 |
| Noninterest expense to average assets | 2.0446% | 4,659 |
| Loan and lease loss provision to assets | 0.0537% | 2,898 |
| Net operating income to assets | 0.9620% | 3,259 |
| Return on assets (ROA) | 0.7761% | 4,000 |
| Pretax return on assets | 0.9803% | 3,775 |
| Return on Equity (ROE) | 7.9014% | 3,586 |
| Retained earnings to average equity (ytd only) | 3.5497% | 3,991 |
| Net charge-offs to loans | 0.0231% | 2,676 |
| Credit loss provision to net charge-offs | 278.0536% | 1,080 |
| Earnings coverage of net charge-offs (x) | 65.7486% | 994 |
| Efficiency ratio | 61.3283% | 3,614 |
| Assets per employee ($millions) | 12.9459% | 159 |
| Cash dividends to net income (ytd only)* | 55.0754% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 5,229 |
| Loan loss allowance to noncurrent loans | 148.9289% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,598 |
| Noncurrent loans to loans | 0.3124% | 3,552 |
| Net loans and leases to total assets | 82.1142% | 695 |
| Net loans and leases to deposits | 101.7983% | 664 |
| Net loans and leases to core deposits | 139.8136% | 211 |
| Total domestic deposits to total assets | 80.6636% | 3,962 |
| Equity capital to assets | 9.9030% | 3,732 |
| Core capital (leverage) ratio | 9.8141% | 3,836 |
| Tier 1 risk-based capital ratio | 12.3927% | 4,257 |
| Total risk-based capital ratio | 14.1544% | 3,863 |
| Memoranda: | ||
| Average total assets | $10,573,738,500 | 128 |
| Average earning assets | $9,978,562,500 | 125 |
| Average equity | $1,038,636,250 | 155 |
| Average total loans | $8,849,497,750 | 113 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,419 |
| Cost of funding earning assets | 1.3496% | 91 |
| Net interest margin | 2.7592% | 5,167 |
| Noninterest income to average assets | 0.7109% | 1,829 |
| Noninterest expense to average assets | 1.9974% | 4,805 |
| Loan and lease loss provision to assets | 0.0252% | 3,412 |
| Net operating income to assets | 0.9949% | 3,044 |
| Return on assets (ROA) | 0.9949% | 3,041 |
| Pretax return on assets | 1.2906% | 2,554 |
| Return on Equity (ROE) | 10.1560% | 2,495 |
| Retained earnings to average equity (ytd only) | 5.7864% | 2,676 |
| Net charge-offs to loans | 0.0239% | 2,391 |
| Credit loss provision to net charge-offs | 125.7547% | 1,753 |
| Earnings coverage of net charge-offs (x) | 65.5406% | 947 |
| Efficiency ratio | 59.9175% | 3,950 |
| Assets per employee ($millions) | 13.4904% | 135 |
| Cash dividends to net income (ytd only)* | 43.0247% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4201% | 5,342 |
| Loan loss allowance to noncurrent loans | 126.1549% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 3,610 |
| Noncurrent loans to loans | 0.3330% | 3,502 |
| Net loans and leases to total assets | 81.8393% | 723 |
| Net loans and leases to deposits | 122.7517% | 85 |
| Net loans and leases to core deposits | 164.4678% | 68 |
| Total domestic deposits to total assets | 66.6706% | 5,369 |
| Equity capital to assets | 9.3589% | 4,229 |
| Core capital (leverage) ratio | 9.8224% | 3,763 |
| Tier 1 risk-based capital ratio | 12.4623% | 4,208 |
| Total risk-based capital ratio | 14.2048% | 3,837 |
| Memoranda: | ||
| Average total assets | $10,559,783,330 | 126 |
| Average earning assets | $9,959,069,330 | 124 |
| Average equity | $1,034,427,000 | 154 |
| Average total loans | $8,880,110,330 | 111 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 3,624 |
| Cost of funding earning assets | 1.2119% | 133 |
| Net interest margin | 2.7835% | 5,173 |
| Noninterest income to average assets | 0.8206% | 1,390 |
| Noninterest expense to average assets | 2.0209% | 4,806 |
| Loan and lease loss provision to assets | 0.0823% | 2,150 |
| Net operating income to assets | 1.0265% | 2,744 |
| Return on assets (ROA) | 1.0265% | 2,763 |
| Pretax return on assets | 1.3421% | 2,215 |
| Return on Equity (ROE) | 10.2330% | 2,320 |
| Retained earnings to average equity (ytd only) | 5.8563% | 2,777 |
| Net charge-offs to loans | 0.0289% | 1,921 |
| Credit loss provision to net charge-offs | 334.4392% | 758 |
| Earnings coverage of net charge-offs (x) | 57.9163% | 862 |
| Efficiency ratio | 58.2956% | 4,303 |
| Assets per employee ($millions) | 13.7208% | 136 |
| Cash dividends to net income (ytd only)* | 42.7706% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4479% | 5,390 |
| Loan loss allowance to noncurrent loans | 140.5758% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,753 |
| Noncurrent loans to loans | 0.3186% | 3,624 |
| Net loans and leases to total assets | 81.6163% | 709 |
| Net loans and leases to deposits | 123.3197% | 82 |
| Net loans and leases to core deposits | 163.9649% | 78 |
| Total domestic deposits to total assets | 66.1827% | 5,460 |
| Equity capital to assets | 9.5652% | 4,026 |
| Core capital (leverage) ratio | 10.1067% | 3,418 |
| Tier 1 risk-based capital ratio | 12.4482% | 4,282 |
| Total risk-based capital ratio | 14.2315% | 3,859 |
| Memoranda: | ||
| Average total assets | $10,295,138,500 | 128 |
| Average earning assets | $9,707,644,000 | 125 |
| Average equity | $1,032,733,000 | 154 |
| Average total loans | $8,763,412,000 | 113 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 3,734 |
| Cost of funding earning assets | 1.0193% | 191 |
| Net interest margin | 2.8776% | 5,072 |
| Noninterest income to average assets | 0.8287% | 1,470 |
| Noninterest expense to average assets | 2.1260% | 4,707 |
| Loan and lease loss provision to assets | 0.0671% | 2,861 |
| Net operating income to assets | 0.9126% | 2,644 |
| Return on assets (ROA) | 0.9711% | 2,404 |
| Pretax return on assets | 1.4537% | 1,806 |
| Return on Equity (ROE) | 10.1271% | 1,831 |
| Retained earnings to average equity (ytd only) | 6.1757% | 1,451 |
| Net charge-offs to loans | 0.0699% | 2,455 |
| Credit loss provision to net charge-offs | 111.5359% | 2,334 |
| Earnings coverage of net charge-offs (x) | 23.8186% | 1,791 |
| Efficiency ratio | 59.3596% | 4,359 |
| Assets per employee ($millions) | 12.8538% | 150 |
| Cash dividends to net income (ytd only)* | 39.0186% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4366% | 5,460 |
| Loan loss allowance to noncurrent loans | 121.2716% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,521 |
| Noncurrent loans to loans | 0.3600% | 3,480 |
| Net loans and leases to total assets | 88.1685% | 131 |
| Net loans and leases to deposits | 126.2268% | 62 |
| Net loans and leases to core deposits | 167.9177% | 68 |
| Total domestic deposits to total assets | 69.8493% | 5,410 |
| Equity capital to assets | 10.5411% | 3,122 |
| Core capital (leverage) ratio | 10.0918% | 3,336 |
| Tier 1 risk-based capital ratio | 13.0808% | 3,861 |
| Total risk-based capital ratio | 14.9607% | 3,432 |
| Memoranda: | ||
| Average total assets | $10,081,774,000 | 121 |
| Average earning assets | $9,567,891,400 | 118 |
| Average equity | $966,729,800 | 154 |
| Average total loans | $8,683,763,400 | 109 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 3,996 |
| Cost of funding earning assets | 0.9778% | 218 |
| Net interest margin | 2.8273% | 5,183 |
| Noninterest income to average assets | 0.8389% | 1,449 |
| Noninterest expense to average assets | 2.0996% | 4,735 |
| Loan and lease loss provision to assets | 0.0780% | 2,523 |
| Net operating income to assets | 0.9031% | 3,010 |
| Return on assets (ROA) | 0.9783% | 2,708 |
| Pretax return on assets | 1.4614% | 1,910 |
| Return on Equity (ROE) | 10.4535% | 1,926 |
| Retained earnings to average equity (ytd only) | 6.6753% | 1,857 |
| Net charge-offs to loans | 0.0759% | 2,052 |
| Credit loss provision to net charge-offs | 120.2309% | 2,004 |
| Earnings coverage of net charge-offs (x) | 21.9915% | 1,890 |
| Efficiency ratio | 59.1537% | 4,330 |
| Assets per employee ($millions) | 13.5741% | 120 |
| Cash dividends to net income (ytd only)* | 36.1428% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4176% | 5,547 |
| Loan loss allowance to noncurrent loans | 110.6989% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,683 |
| Noncurrent loans to loans | 0.3772% | 3,598 |
| Net loans and leases to total assets | 87.2981% | 183 |
| Net loans and leases to deposits | 119.1727% | 107 |
| Net loans and leases to core deposits | 162.2978% | 80 |
| Total domestic deposits to total assets | 73.2534% | 5,293 |
| Equity capital to assets | 9.7899% | 4,161 |
| Core capital (leverage) ratio | 9.4343% | 4,247 |
| Tier 1 risk-based capital ratio | 12.3424% | 4,412 |
| Total risk-based capital ratio | 14.1446% | 3,988 |
| Memoranda: | ||
| Average total assets | $10,143,933,500 | 120 |
| Average earning assets | $9,643,944,250 | 117 |
| Average equity | $949,281,000 | 156 |
| Average total loans | $8,677,768,500 | 108 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,224 |
| Cost of funding earning assets | 0.8992% | 306 |
| Net interest margin | 2.8040% | 5,238 |
| Noninterest income to average assets | 0.2839% | 4,523 |
| Noninterest expense to average assets | 1.2003% | 5,702 |
| Loan and lease loss provision to assets | 0.0714% | 2,543 |
| Net operating income to assets | 1.1187% | 1,892 |
| Return on assets (ROA) | 1.0329% | 2,320 |
| Pretax return on assets | 1.6177% | 1,289 |
| Return on Equity (ROE) | 11.2168% | 1,562 |
| Retained earnings to average equity (ytd only) | 7.8409% | 1,226 |
| Net charge-offs to loans | 0.0574% | 2,109 |
| Credit loss provision to net charge-offs | 146.8059% | 1,546 |
| Earnings coverage of net charge-offs (x) | 36.0328% | 1,340 |
| Efficiency ratio | 40.6366% | 5,613 |
| Assets per employee ($millions) | 13.9112% | 108 |
| Cash dividends to net income (ytd only)* | 30.0972% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4282% | 5,587 |
| Loan loss allowance to noncurrent loans | 155.5618% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 4,131 |
| Noncurrent loans to loans | 0.2753% | 4,057 |
| Net loans and leases to total assets | 82.3020% | 625 |
| Net loans and leases to deposits | 118.6150% | 110 |
| Net loans and leases to core deposits | 169.6083% | 69 |
| Total domestic deposits to total assets | 69.3858% | 5,559 |
| Equity capital to assets | 9.3575% | 4,555 |
| Core capital (leverage) ratio | 9.7370% | 3,854 |
| Tier 1 risk-based capital ratio | 12.3023% | 4,428 |
| Total risk-based capital ratio | 14.1234% | 3,992 |
| Memoranda: | ||
| Average total assets | $10,036,693,330 | 121 |
| Average earning assets | $9,556,319,330 | 116 |
| Average equity | $924,183,000 | 159 |
| Average total loans | $8,512,147,670 | 108 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 4,351 |
| Cost of funding earning assets | 0.8378% | 391 |
| Net interest margin | 2.7868% | 5,270 |
| Noninterest income to average assets | 0.3108% | 4,331 |
| Noninterest expense to average assets | 1.2464% | 5,756 |
| Loan and lease loss provision to assets | 0.1268% | 1,521 |
| Net operating income to assets | 1.0955% | 1,892 |
| Return on assets (ROA) | 1.0466% | 2,135 |
| Pretax return on assets | 1.5444% | 1,397 |
| Return on Equity (ROE) | 11.4709% | 1,412 |
| Retained earnings to average equity (ytd only) | 7.9171% | 1,495 |
| Net charge-offs to loans | 0.0233% | 2,300 |
| Credit loss provision to net charge-offs | 632.7801% | 494 |
| Earnings coverage of net charge-offs (x) | 85.8506% | 624 |
| Efficiency ratio | 42.0164% | 5,651 |
| Assets per employee ($millions) | 13.3271% | 124 |
| Cash dividends to net income (ytd only)* | 30.9807% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4814% | 5,611 |
| Loan loss allowance to noncurrent loans | 124.1301% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 3,794 |
| Noncurrent loans to loans | 0.3879% | 3,718 |
| Net loans and leases to total assets | 83.3692% | 426 |
| Net loans and leases to deposits | 111.3601% | 195 |
| Net loans and leases to core deposits | 163.7272% | 72 |
| Total domestic deposits to total assets | 74.8645% | 5,344 |
| Equity capital to assets | 8.9734% | 4,831 |
| Core capital (leverage) ratio | 9.1406% | 4,554 |
| Tier 1 risk-based capital ratio | 11.4744% | 5,043 |
| Total risk-based capital ratio | 13.4272% | 4,498 |
| Memoranda: | ||
| Average total assets | $9,622,701,500 | 124 |
| Average earning assets | $9,170,215,500 | 116 |
| Average equity | $877,942,500 | 164 |
| Average total loans | $8,278,069,500 | 109 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 4,259 |
| Cost of funding earning assets | 0.7673% | 589 |
| Net interest margin | 2.9171% | 5,104 |
| Noninterest income to average assets | 0.3483% | 4,242 |
| Noninterest expense to average assets | 1.3942% | 5,774 |
| Loan and lease loss provision to assets | 0.0255% | 3,847 |
| Net operating income to assets | 1.1033% | 1,892 |
| Return on assets (ROA) | 1.0056% | 2,431 |
| Pretax return on assets | 1.6077% | 1,257 |
| Return on Equity (ROE) | 12.9962% | 995 |
| Retained earnings to average equity (ytd only) | 9.4268% | 510 |
| Net charge-offs to loans | 0.0207% | 3,637 |
| Credit loss provision to net charge-offs | 141.0951% | 1,942 |
| Earnings coverage of net charge-offs (x) | 95.7762% | 623 |
| Efficiency ratio | 44.6134% | 5,677 |
| Assets per employee ($millions) | 12.6613% | 142 |
| Cash dividends to net income (ytd only)* | 27.4645% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 5,699 |
| Loan loss allowance to noncurrent loans | 158.9022% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 4,136 |
| Noncurrent loans to loans | 0.2839% | 4,137 |
| Net loans and leases to total assets | 88.0097% | 122 |
| Net loans and leases to deposits | 111.8889% | 189 |
| Net loans and leases to core deposits | 174.7737% | 53 |
| Total domestic deposits to total assets | 78.6581% | 4,873 |
| Equity capital to assets | 9.2825% | 4,491 |
| Core capital (leverage) ratio | 9.2328% | 4,431 |
| Tier 1 risk-based capital ratio | 11.6259% | 4,972 |
| Total risk-based capital ratio | 13.6081% | 4,356 |
| Memoranda: | ||
| Average total assets | $9,196,770,400 | 128 |
| Average earning assets | $8,754,126,800 | 119 |
| Average equity | $711,618,400 | 176 |
| Average total loans | $8,047,077,200 | 107 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 4,374 |
| Cost of funding earning assets | 0.7529% | 626 |
| Net interest margin | 2.9056% | 5,180 |
| Noninterest income to average assets | 0.6233% | 2,559 |
| Noninterest expense to average assets | 1.8304% | 5,481 |
| Loan and lease loss provision to assets | 0.0416% | 3,402 |
| Net operating income to assets | 0.9267% | 2,773 |
| Return on assets (ROA) | 0.9269% | 2,898 |
| Pretax return on assets | 1.5148% | 1,666 |
| Return on Equity (ROE) | 12.6231% | 1,144 |
| Retained earnings to average equity (ytd only) | 9.1332% | 780 |
| Net charge-offs to loans | 0.0149% | 3,433 |
| Credit loss provision to net charge-offs | 319.9552% | 985 |
| Earnings coverage of net charge-offs (x) | 119.7963% | 577 |
| Efficiency ratio | 53.9193% | 5,248 |
| Assets per employee ($millions) | 12.6477% | 139 |
| Cash dividends to net income (ytd only)* | 27.6473% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4501% | 5,766 |
| Loan loss allowance to noncurrent loans | 194.6131% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 4,461 |
| Noncurrent loans to loans | 0.2313% | 4,441 |
| Net loans and leases to total assets | 87.5451% | 168 |
| Net loans and leases to deposits | 111.7237% | 229 |
| Net loans and leases to core deposits | 178.1748% | 57 |
| Total domestic deposits to total assets | 78.3585% | 4,844 |
| Equity capital to assets | 8.2746% | 5,633 |
| Core capital (leverage) ratio | 8.2287% | 5,554 |
| Tier 1 risk-based capital ratio | 9.9711% | 5,799 |
| Total risk-based capital ratio | 11.8653% | 5,483 |
| Memoranda: | ||
| Average total assets | $9,156,780,250 | 127 |
| Average earning assets | $8,707,587,750 | 118 |
| Average equity | $672,388,500 | 180 |
| Average total loans | $7,990,809,500 | 105 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 4,555 |
| Cost of funding earning assets | 0.7237% | 706 |
| Net interest margin | 2.8872% | 5,290 |
| Noninterest income to average assets | 0.3443% | 4,319 |
| Noninterest expense to average assets | 1.5738% | 5,780 |
| Loan and lease loss provision to assets | 0.0613% | 2,904 |
| Net operating income to assets | 0.9039% | 2,841 |
| Return on assets (ROA) | 0.9043% | 2,970 |
| Pretax return on assets | 1.4535% | 1,826 |
| Return on Equity (ROE) | 12.8942% | 1,055 |
| Retained earnings to average equity (ytd only) | 9.3840% | 750 |
| Net charge-offs to loans | 0.0154% | 3,224 |
| Credit loss provision to net charge-offs | 457.9470% | 703 |
| Earnings coverage of net charge-offs (x) | 113.0397% | 516 |
| Efficiency ratio | 50.9347% | 5,507 |
| Assets per employee ($millions) | 12.4970% | 137 |
| Cash dividends to net income (ytd only)* | 27.2232% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4527% | 5,843 |
| Loan loss allowance to noncurrent loans | 157.1658% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 4,286 |
| Noncurrent loans to loans | 0.2880% | 4,342 |
| Net loans and leases to total assets | 86.7304% | 204 |
| Net loans and leases to deposits | 123.0927% | 86 |
| Net loans and leases to core deposits | 201.8862% | 47 |
| Total domestic deposits to total assets | 70.4594% | 5,760 |
| Equity capital to assets | 7.2604% | 5,941 |
| Core capital (leverage) ratio | 7.3852% | 5,897 |
| Tier 1 risk-based capital ratio | 8.8558% | 6,003 |
| Total risk-based capital ratio | 10.7549% | 5,930 |
| Memoranda: | ||
| Average total assets | $9,017,614,670 | 127 |
| Average earning assets | $8,569,513,000 | 117 |
| Average equity | $632,440,330 | 186 |
| Average total loans | $7,847,845,000 | 106 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5494% | 4,766 |
| Cost of funding earning assets | 0.6919% | 838 |
| Net interest margin | 2.8575% | 5,386 |
| Noninterest income to average assets | 0.2880% | 4,669 |
| Noninterest expense to average assets | 1.5294% | 5,883 |
| Loan and lease loss provision to assets | 0.0911% | 2,165 |
| Net operating income to assets | 0.9001% | 2,755 |
| Return on assets (ROA) | 0.9009% | 2,879 |
| Pretax return on assets | 1.3866% | 1,939 |
| Return on Equity (ROE) | 13.1016% | 1,018 |
| Retained earnings to average equity (ytd only) | 9.6900% | 927 |
| Net charge-offs to loans | -0.0241% | 4,961 |
| Credit loss provision to net charge-offs | -435.1648% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8806% | 5,574 |
| Assets per employee ($millions) | 16.8212% | 66 |
| Cash dividends to net income (ytd only)* | 26.0390% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 5,883 |
| Loan loss allowance to noncurrent loans | 144.8742% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 4,181 |
| Noncurrent loans to loans | 0.3295% | 4,256 |
| Net loans and leases to total assets | 86.9438% | 170 |
| Net loans and leases to deposits | 120.3858% | 97 |
| Net loans and leases to core deposits | 193.5289% | 45 |
| Total domestic deposits to total assets | 72.2210% | 5,756 |
| Equity capital to assets | 7.0210% | 6,003 |
| Core capital (leverage) ratio | 7.5752% | 5,913 |
| Tier 1 risk-based capital ratio | 8.8055% | 6,062 |
| Total risk-based capital ratio | 10.8454% | 5,970 |
| Memoranda: | ||
| Average total assets | $8,696,340,500 | 132 |
| Average earning assets | $8,271,485,000 | 125 |
| Average equity | $597,975,000 | 193 |
| Average total loans | $7,563,569,000 | 107 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 4,858 |
| Cost of funding earning assets | 0.6724% | 948 |
| Net interest margin | 2.8486% | 5,426 |
| Noninterest income to average assets | 0.3927% | 4,085 |
| Noninterest expense to average assets | 1.4944% | 5,985 |
| Loan and lease loss provision to assets | 0.2746% | 670 |
| Net operating income to assets | 0.8757% | 2,997 |
| Return on assets (ROA) | 0.8755% | 3,078 |
| Pretax return on assets | 1.3219% | 2,195 |
| Return on Equity (ROE) | 12.4425% | 1,196 |
| Retained earnings to average equity (ytd only) | 8.9321% | 665 |
| Net charge-offs to loans | 0.1863% | 1,548 |
| Credit loss provision to net charge-offs | 171.6838% | 1,574 |
| Earnings coverage of net charge-offs (x) | 9.9828% | 2,748 |
| Efficiency ratio | 48.3456% | 5,830 |
| Assets per employee ($millions) | 16.2022% | 67 |
| Cash dividends to net income (ytd only)* | 28.2128% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4916% | 5,926 |
| Loan loss allowance to noncurrent loans | 164.8797% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,319 |
| Noncurrent loans to loans | 0.2982% | 4,387 |
| Net loans and leases to total assets | 86.1323% | 221 |
| Net loans and leases to deposits | 120.9293% | 93 |
| Net loans and leases to core deposits | 199.4658% | 43 |
| Total domestic deposits to total assets | 71.2253% | 5,841 |
| Equity capital to assets | 6.7203% | 6,081 |
| Core capital (leverage) ratio | 7.2959% | 6,012 |
| Tier 1 risk-based capital ratio | 8.6244% | 6,123 |
| Total risk-based capital ratio | 10.8468% | 6,021 |
| Memoranda: | ||
| Average total assets | $7,489,357,000 | 141 |
| Average earning assets | $7,094,584,400 | 134 |
| Average equity | $527,009,400 | 199 |
| Average total loans | $6,429,677,200 | 120 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 4,912 |
| Cost of funding earning assets | 0.6772% | 944 |
| Net interest margin | 2.8534% | 5,490 |
| Noninterest income to average assets | 0.3571% | 4,386 |
| Noninterest expense to average assets | 1.4856% | 6,054 |
| Loan and lease loss provision to assets | 0.2641% | 625 |
| Net operating income to assets | 0.8432% | 3,200 |
| Return on assets (ROA) | 0.8430% | 3,290 |
| Pretax return on assets | 1.3071% | 2,367 |
| Return on Equity (ROE) | 11.8271% | 1,421 |
| Retained earnings to average equity (ytd only) | 8.3525% | 1,112 |
| Net charge-offs to loans | 0.1640% | 1,514 |
| Credit loss provision to net charge-offs | 187.9963% | 1,405 |
| Earnings coverage of net charge-offs (x) | 11.1880% | 2,522 |
| Efficiency ratio | 48.5957% | 5,843 |
| Assets per employee ($millions) | 15.6535% | 71 |
| Cash dividends to net income (ytd only)* | 29.3785% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5204% | 6,000 |
| Loan loss allowance to noncurrent loans | 116.0866% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 3,839 |
| Noncurrent loans to loans | 0.4483% | 4,003 |
| Net loans and leases to total assets | 85.3359% | 266 |
| Net loans and leases to deposits | 111.2127% | 230 |
| Net loans and leases to core deposits | 174.6400% | 58 |
| Total domestic deposits to total assets | 76.7322% | 5,390 |
| Equity capital to assets | 7.2649% | 6,108 |
| Core capital (leverage) ratio | 7.4551% | 6,066 |
| Tier 1 risk-based capital ratio | 9.4498% | 6,152 |
| Total risk-based capital ratio | 11.9241% | 5,742 |
| Memoranda: | ||
| Average total assets | $7,267,564,750 | 149 |
| Average earning assets | $6,876,609,250 | 140 |
| Average equity | $518,030,250 | 205 |
| Average total loans | $6,224,460,750 | 122 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4917% | 5,007 |
| Cost of funding earning assets | 0.6663% | 1,016 |
| Net interest margin | 2.8254% | 5,562 |
| Noninterest income to average assets | 0.3851% | 4,193 |
| Noninterest expense to average assets | 1.4617% | 6,134 |
| Loan and lease loss provision to assets | 0.3433% | 388 |
| Net operating income to assets | 0.7943% | 3,421 |
| Return on assets (ROA) | 0.7943% | 3,511 |
| Pretax return on assets | 1.2535% | 2,536 |
| Return on Equity (ROE) | 11.2200% | 1,614 |
| Retained earnings to average equity (ytd only) | 8.0656% | 1,242 |
| Net charge-offs to loans | 0.0652% | 2,446 |
| Credit loss provision to net charge-offs | 614.9500% | 541 |
| Earnings coverage of net charge-offs (x) | 28.6010% | 1,410 |
| Efficiency ratio | 47.7912% | 5,974 |
| Assets per employee ($millions) | 15.4649% | 71 |
| Cash dividends to net income (ytd only)* | 28.1136% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5719% | 6,016 |
| Loan loss allowance to noncurrent loans | 175.8325% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 4,110 |
| Noncurrent loans to loans | 0.3253% | 4,534 |
| Net loans and leases to total assets | 85.8352% | 248 |
| Net loans and leases to deposits | 118.2660% | 116 |
| Net loans and leases to core deposits | 185.0041% | 53 |
| Total domestic deposits to total assets | 72.5781% | 5,905 |
| Equity capital to assets | 7.0723% | 6,182 |
| Core capital (leverage) ratio | 7.5745% | 6,081 |
| Tier 1 risk-based capital ratio | 9.1338% | 6,244 |
| Total risk-based capital ratio | 11.6467% | 5,903 |
| Memoranda: | ||
| Average total assets | $7,164,663,000 | 151 |
| Average earning assets | $6,779,215,000 | 142 |
| Average equity | $507,237,670 | 211 |
| Average total loans | $6,132,913,000 | 123 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,753 |
| Cost of funding earning assets | 0.6661% | 1,015 |
| Net interest margin | 2.9131% | 5,426 |
| Noninterest income to average assets | 0.3500% | 4,398 |
| Noninterest expense to average assets | 1.5360% | 6,156 |
| Loan and lease loss provision to assets | 0.1706% | 1,160 |
| Net operating income to assets | 0.9039% | 2,725 |
| Return on assets (ROA) | 0.9039% | 2,850 |
| Pretax return on assets | 1.3927% | 1,913 |
| Return on Equity (ROE) | 12.7601% | 1,147 |
| Retained earnings to average equity (ytd only) | 9.5103% | 1,039 |
| Net charge-offs to loans | 0.0676% | 2,059 |
| Credit loss provision to net charge-offs | 296.1039% | 824 |
| Earnings coverage of net charge-offs (x) | 27.1359% | 1,218 |
| Efficiency ratio | 49.5608% | 5,941 |
| Assets per employee ($millions) | 15.8257% | 73 |
| Cash dividends to net income (ytd only)* | 25.4680% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 6,116 |
| Loan loss allowance to noncurrent loans | 126.9996% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 3,809 |
| Noncurrent loans to loans | 0.4336% | 4,295 |
| Net loans and leases to total assets | 85.3167% | 232 |
| Net loans and leases to deposits | 123.4361% | 62 |
| Net loans and leases to core deposits | 178.7508% | 56 |
| Total domestic deposits to total assets | 69.1182% | 6,162 |
| Equity capital to assets | 7.0237% | 6,260 |
| Core capital (leverage) ratio | 7.3538% | 6,184 |
| Tier 1 risk-based capital ratio | 9.0462% | 6,316 |
| Total risk-based capital ratio | 11.6646% | 5,995 |
| Memoranda: | ||
| Average total assets | $6,950,370,000 | 153 |
| Average earning assets | $6,559,626,500 | 141 |
| Average equity | $492,349,000 | 212 |
| Average total loans | $5,921,783,000 | 126 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 5,051 |
| Cost of funding earning assets | 0.6313% | 1,543 |
| Net interest margin | 2.9823% | 5,484 |
| Noninterest income to average assets | 0.4301% | 3,968 |
| Noninterest expense to average assets | 1.7031% | 6,150 |
| Loan and lease loss provision to assets | 0.2632% | 842 |
| Net operating income to assets | 0.8575% | 3,076 |
| Return on assets (ROA) | 0.8962% | 2,980 |
| Pretax return on assets | 1.3240% | 2,163 |
| Return on Equity (ROE) | 11.3611% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.3611% | 346 |
| Net charge-offs to loans | 0.0673% | 3,521 |
| Credit loss provision to net charge-offs | 472.0551% | 558 |
| Earnings coverage of net charge-offs (x) | 27.4481% | 1,432 |
| Efficiency ratio | 52.6733% | 5,933 |
| Assets per employee ($millions) | 16.1019% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5382% | 6,216 |
| Loan loss allowance to noncurrent loans | 105.8952% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,603 |
| Noncurrent loans to loans | 0.5082% | 4,144 |
| Net loans and leases to total assets | 84.1307% | 336 |
| Net loans and leases to deposits | 125.6395% | 64 |
| Net loans and leases to core deposits | 184.8352% | 51 |
| Total domestic deposits to total assets | 66.9620% | 6,304 |
| Equity capital to assets | 7.1467% | 6,307 |
| Core capital (leverage) ratio | 7.3863% | 6,239 |
| Tier 1 risk-based capital ratio | 9.2684% | 6,384 |
| Total risk-based capital ratio | 11.9843% | 5,950 |
| Memoranda: | ||
| Average total assets | $5,603,590,200 | 173 |
| Average earning assets | $5,267,147,600 | 164 |
| Average equity | $442,043,600 | 221 |
| Average total loans | $4,645,147,200 | 151 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 5,226 |
| Cost of funding earning assets | 0.6035% | 1,796 |
| Net interest margin | 2.9629% | 5,579 |
| Noninterest income to average assets | 0.4088% | 4,173 |
| Noninterest expense to average assets | 1.7318% | 6,178 |
| Loan and lease loss provision to assets | 0.3088% | 622 |
| Net operating income to assets | 0.7985% | 3,437 |
| Return on assets (ROA) | 0.8538% | 3,253 |
| Pretax return on assets | 1.2292% | 2,658 |
| Return on Equity (ROE) | 10.5074% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.5074% | 596 |
| Net charge-offs to loans | 0.0540% | 3,440 |
| Credit loss provision to net charge-offs | 694.6297% | 434 |
| Earnings coverage of net charge-offs (x) | 32.7925% | 1,294 |
| Efficiency ratio | 54.2958% | 5,796 |
| Assets per employee ($millions) | 16.2574% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5645% | 6,268 |
| Loan loss allowance to noncurrent loans | 96.0835% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 3,511 |
| Noncurrent loans to loans | 0.5876% | 4,163 |
| Net loans and leases to total assets | 84.1890% | 328 |
| Net loans and leases to deposits | 126.7369% | 58 |
| Net loans and leases to core deposits | 182.6095% | 51 |
| Total domestic deposits to total assets | 66.4282% | 6,395 |
| Equity capital to assets | 6.9508% | 6,389 |
| Core capital (leverage) ratio | 7.5457% | 6,265 |
| Tier 1 risk-based capital ratio | 8.9635% | 6,481 |
| Total risk-based capital ratio | 11.7823% | 6,146 |
| Memoranda: | ||
| Average total assets | $5,305,732,500 | 177 |
| Average earning assets | $4,979,587,000 | 169 |
| Average equity | $431,150,250 | 225 |
| Average total loans | $4,369,526,000 | 157 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 5,266 |
| Cost of funding earning assets | 0.5612% | 2,247 |
| Net interest margin | 2.9969% | 5,538 |
| Noninterest income to average assets | 0.4404% | 3,939 |
| Noninterest expense to average assets | 1.8241% | 6,111 |
| Loan and lease loss provision to assets | 0.2956% | 671 |
| Net operating income to assets | 0.7609% | 3,512 |
| Return on assets (ROA) | 0.8480% | 3,190 |
| Pretax return on assets | 1.2633% | 2,400 |
| Return on Equity (ROE) | 9.8086% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.8086% | 765 |
| Net charge-offs to loans | 0.0724% | 2,980 |
| Credit loss provision to net charge-offs | 502.2853% | 576 |
| Earnings coverage of net charge-offs (x) | 24.2770% | 1,437 |
| Efficiency ratio | 56.0740% | 5,744 |
| Assets per employee ($millions) | 13.9443% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 6,316 |
| Loan loss allowance to noncurrent loans | 67.3179% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 3,112 |
| Noncurrent loans to loans | 0.8898% | 3,477 |
| Net loans and leases to total assets | 83.4400% | 341 |
| Net loans and leases to deposits | 125.2893% | 53 |
| Net loans and leases to core deposits | 173.7593% | 55 |
| Total domestic deposits to total assets | 66.5978% | 6,465 |
| Equity capital to assets | 7.8040% | 6,253 |
| Core capital (leverage) ratio | 8.3253% | 5,820 |
| Tier 1 risk-based capital ratio | 10.2228% | 6,331 |
| Total risk-based capital ratio | 13.4750% | 5,322 |
| Memoranda: | ||
| Average total assets | $4,906,658,670 | 185 |
| Average earning assets | $4,604,826,330 | 177 |
| Average equity | $424,197,330 | 225 |
| Average total loans | $3,990,749,670 | 167 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 5,521 |
| Cost of funding earning assets | 0.5568% | 2,374 |
| Net interest margin | 2.9041% | 5,740 |
| Noninterest income to average assets | 0.3994% | 4,193 |
| Noninterest expense to average assets | 1.7953% | 6,227 |
| Loan and lease loss provision to assets | 0.3834% | 441 |
| Net operating income to assets | 0.6531% | 3,936 |
| Return on assets (ROA) | 0.8271% | 3,088 |
| Pretax return on assets | 1.1834% | 2,556 |
| Return on Equity (ROE) | 9.0266% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.0266% | 1,240 |
| Net charge-offs to loans | 0.0215% | 3,147 |
| Credit loss provision to net charge-offs | 2,240.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 77.0205% | 560 |
| Efficiency ratio | 57.6608% | 5,682 |
| Assets per employee ($millions) | 12.8865% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 6,330 |
| Loan loss allowance to noncurrent loans | 58.3834% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 2,795 |
| Noncurrent loans to loans | 1.1282% | 3,169 |
| Net loans and leases to total assets | 80.7561% | 477 |
| Net loans and leases to deposits | 111.3145% | 129 |
| Net loans and leases to core deposits | 145.7634% | 107 |
| Total domestic deposits to total assets | 72.5477% | 6,334 |
| Equity capital to assets | 8.5140% | 5,645 |
| Core capital (leverage) ratio | 9.7093% | 3,985 |
| Tier 1 risk-based capital ratio | 11.6263% | 5,843 |
| Total risk-based capital ratio | 12.3622% | 6,061 |
| Memoranda: | ||
| Average total assets | $4,557,186,500 | 196 |
| Average earning assets | $4,259,272,000 | 188 |
| Average equity | $417,565,000 | 228 |
| Average total loans | $3,633,375,000 | 174 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 5,237 |
| Cost of funding earning assets | 0.6427% | 2,272 |
| Net interest margin | 3.0196% | 5,532 |
| Noninterest income to average assets | 0.6246% | 2,948 |
| Noninterest expense to average assets | 1.9588% | 6,091 |
| Loan and lease loss provision to assets | 0.0605% | 3,931 |
| Net operating income to assets | 0.9423% | 2,597 |
| Return on assets (ROA) | 0.9647% | 2,559 |
| Pretax return on assets | 1.4841% | 1,499 |
| Return on Equity (ROE) | 10.7242% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.7242% | 461 |
| Net charge-offs to loans | 0.2263% | 2,648 |
| Credit loss provision to net charge-offs | 32.4340% | 4,197 |
| Earnings coverage of net charge-offs (x) | 8.0969% | 2,730 |
| Efficiency ratio | 56.4573% | 5,899 |
| Assets per employee ($millions) | 10.7762% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 6,271 |
| Loan loss allowance to noncurrent loans | 47.9107% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 2,458 |
| Noncurrent loans to loans | 1.5591% | 2,560 |
| Net loans and leases to total assets | 77.2583% | 921 |
| Net loans and leases to deposits | 107.2466% | 223 |
| Net loans and leases to core deposits | 126.4380% | 234 |
| Total domestic deposits to total assets | 72.0380% | 6,420 |
| Equity capital to assets | 9.9467% | 3,841 |
| Core capital (leverage) ratio | 10.8136% | 2,563 |
| Tier 1 risk-based capital ratio | 13.3293% | 4,766 |
| Total risk-based capital ratio | 14.1067% | 5,026 |
| Memoranda: | ||
| Average total assets | $3,696,425,000 | 216 |
| Average earning assets | $3,481,903,800 | 209 |
| Average equity | $332,501,800 | 252 |
| Average total loans | $3,046,728,000 | 186 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 5,290 |
| Cost of funding earning assets | 0.6574% | 2,301 |
| Net interest margin | 2.9980% | 5,602 |
| Noninterest income to average assets | 0.7510% | 2,364 |
| Noninterest expense to average assets | 1.8821% | 6,213 |
| Loan and lease loss provision to assets | 0.2404% | 1,495 |
| Net operating income to assets | 0.9497% | 2,595 |
| Return on assets (ROA) | 0.9497% | 2,699 |
| Pretax return on assets | 1.4629% | 1,719 |
| Return on Equity (ROE) | 10.8889% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.8889% | 598 |
| Net charge-offs to loans | 0.2443% | 2,350 |
| Credit loss provision to net charge-offs | 117.4868% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.3249% | 2,637 |
| Efficiency ratio | 52.4838% | 6,222 |
| Assets per employee ($millions) | 10.9483% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,084 |
| Loan loss allowance to noncurrent loans | 47.3356% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 2,273 |
| Noncurrent loans to loans | 1.8761% | 2,402 |
| Net loans and leases to total assets | 76.7380% | 902 |
| Net loans and leases to deposits | 91.6075% | 1,010 |
| Net loans and leases to core deposits | 108.6699% | 638 |
| Total domestic deposits to total assets | 83.7683% | 4,291 |
| Equity capital to assets | 10.3316% | 3,467 |
| Core capital (leverage) ratio | 11.0430% | 2,438 |
| Tier 1 risk-based capital ratio | 13.2757% | 4,919 |
| Total risk-based capital ratio | 14.1836% | 5,110 |
| Memoranda: | ||
| Average total assets | $3,588,709,250 | 218 |
| Average earning assets | $3,392,907,000 | 208 |
| Average equity | $312,995,000 | 265 |
| Average total loans | $3,005,242,250 | 184 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 5,467 |
| Cost of funding earning assets | 0.6612% | 2,392 |
| Net interest margin | 2.9289% | 5,726 |
| Noninterest income to average assets | 0.8561% | 1,982 |
| Noninterest expense to average assets | 1.8692% | 6,273 |
| Loan and lease loss provision to assets | 0.3282% | 1,053 |
| Net operating income to assets | 0.9375% | 2,629 |
| Return on assets (ROA) | 0.9375% | 2,768 |
| Pretax return on assets | 1.4424% | 1,792 |
| Return on Equity (ROE) | 11.5437% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.5437% | 560 |
| Net charge-offs to loans | 0.2276% | 2,371 |
| Credit loss provision to net charge-offs | 167.4963% | 1,401 |
| Earnings coverage of net charge-offs (x) | 9.0363% | 2,332 |
| Efficiency ratio | 51.3439% | 6,323 |
| Assets per employee ($millions) | 11.5956% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,225 |
| Loan loss allowance to noncurrent loans | 38.8551% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 2.1899% | 1,971 |
| Noncurrent loans to loans | 2.2216% | 2,148 |
| Net loans and leases to total assets | 85.2396% | 174 |
| Net loans and leases to deposits | 115.3831% | 89 |
| Net loans and leases to core deposits | 138.8337% | 139 |
| Total domestic deposits to total assets | 73.8753% | 6,451 |
| Equity capital to assets | 9.2947% | 4,863 |
| Core capital (leverage) ratio | 10.3904% | 2,996 |
| Tier 1 risk-based capital ratio | 11.4884% | 6,115 |
| Total risk-based capital ratio | 12.4296% | 6,223 |
| Memoranda: | ||
| Average total assets | $3,485,752,000 | 223 |
| Average earning assets | $3,312,906,330 | 211 |
| Average equity | $283,099,000 | 284 |
| Average total loans | $3,001,081,000 | 182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 5,636 |
| Cost of funding earning assets | 0.6819% | 2,372 |
| Net interest margin | 2.8470% | 5,923 |
| Noninterest income to average assets | 0.7929% | 2,151 |
| Noninterest expense to average assets | 1.9662% | 6,174 |
| Loan and lease loss provision to assets | 0.1320% | 2,586 |
| Net operating income to assets | 0.9088% | 2,606 |
| Return on assets (ROA) | 0.9088% | 2,760 |
| Pretax return on assets | 1.3981% | 1,862 |
| Return on Equity (ROE) | 12.1916% | 1,369 |
| Retained earnings to average equity (ytd only) | 12.1916% | 674 |
| Net charge-offs to loans | 0.0694% | 3,145 |
| Credit loss provision to net charge-offs | 220.8835% | 1,013 |
| Earnings coverage of net charge-offs (x) | 25.6004% | 1,046 |
| Efficiency ratio | 56.2219% | 6,039 |
| Assets per employee ($millions) | 12.2413% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 6,291 |
| Loan loss allowance to noncurrent loans | 31.8155% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 2.6705% | 1,701 |
| Noncurrent loans to loans | 2.7899% | 1,818 |
| Net loans and leases to total assets | 85.2190% | 155 |
| Net loans and leases to deposits | 115.9216% | 86 |
| Net loans and leases to core deposits | 138.7047% | 129 |
| Total domestic deposits to total assets | 73.5143% | 6,568 |
| Equity capital to assets | 7.8433% | 6,454 |
| Core capital (leverage) ratio | 8.9881% | 4,904 |
| Tier 1 risk-based capital ratio | 9.4303% | 6,770 |
| Total risk-based capital ratio | 10.3887% | 6,795 |
| Memoranda: | ||
| Average total assets | $3,332,753,500 | 230 |
| Average earning assets | $3,164,690,500 | 220 |
| Average equity | $248,433,000 | 321 |
| Average total loans | $2,871,514,000 | 189 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 5,175 |
| Cost of funding earning assets | 0.9405% | 1,703 |
| Net interest margin | 3.1024% | 5,806 |
| Noninterest income to average assets | 0.9600% | 1,667 |
| Noninterest expense to average assets | 2.0149% | 6,297 |
| Loan and lease loss provision to assets | 0.6671% | 796 |
| Net operating income to assets | 0.8047% | 3,267 |
| Return on assets (ROA) | 1.0487% | 2,324 |
| Pretax return on assets | 1.5907% | 1,413 |
| Return on Equity (ROE) | 14.3797% | 919 |
| Retained earnings to average equity (ytd only) | 14.3797% | 186 |
| Net charge-offs to loans | 0.2739% | 3,287 |
| Credit loss provision to net charge-offs | 297.6765% | 825 |
| Earnings coverage of net charge-offs (x) | 8.4252% | 2,416 |
| Efficiency ratio | 51.6088% | 6,490 |
| Assets per employee ($millions) | 12.7538% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,181 |
| Loan loss allowance to noncurrent loans | 31.8299% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 2.7891% | 1,722 |
| Noncurrent loans to loans | 2.9364% | 1,781 |
| Net loans and leases to total assets | 85.5462% | 147 |
| Net loans and leases to deposits | 110.1799% | 153 |
| Net loans and leases to core deposits | 137.0001% | 142 |
| Total domestic deposits to total assets | 77.6423% | 6,135 |
| Equity capital to assets | 7.0333% | 6,767 |
| Core capital (leverage) ratio | 7.7379% | 6,383 |
| Tier 1 risk-based capital ratio | 8.5044% | 6,888 |
| Total risk-based capital ratio | 9.5291% | 6,902 |
| Memoranda: | ||
| Average total assets | $2,439,116,000 | 296 |
| Average earning assets | $2,313,723,800 | 283 |
| Average equity | $177,875,200 | 425 |
| Average total loans | $1,995,574,000 | 248 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 5,008 |
| Cost of funding earning assets | 1.0119% | 1,487 |
| Net interest margin | 3.1342% | 5,852 |
| Noninterest income to average assets | 1.0767% | 1,298 |
| Noninterest expense to average assets | 2.1006% | 6,162 |
| Loan and lease loss provision to assets | 0.8689% | 523 |
| Net operating income to assets | 0.7013% | 3,910 |
| Return on assets (ROA) | 1.0484% | 2,506 |
| Pretax return on assets | 1.6129% | 1,528 |
| Return on Equity (ROE) | 14.1964% | 1,069 |
| Retained earnings to average equity (ytd only) | 14.1964% | 288 |
| Net charge-offs to loans | 0.3484% | 2,707 |
| Credit loss provision to net charge-offs | 310.9932% | 865 |
| Earnings coverage of net charge-offs (x) | 6.9716% | 2,687 |
| Efficiency ratio | 51.8689% | 6,457 |
| Assets per employee ($millions) | 10.7604% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 5,727 |
| Loan loss allowance to noncurrent loans | 30.4888% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 3.4845% | 1,441 |
| Noncurrent loans to loans | 3.6006% | 1,502 |
| Net loans and leases to total assets | 84.6565% | 194 |
| Net loans and leases to deposits | 94.0007% | 792 |
| Net loans and leases to core deposits | 117.9506% | 346 |
| Total domestic deposits to total assets | 90.0594% | 817 |
| Equity capital to assets | 8.1522% | 6,517 |
| Core capital (leverage) ratio | 8.4808% | 5,776 |
| Tier 1 risk-based capital ratio | 10.0456% | 6,787 |
| Total risk-based capital ratio | 11.2841% | 6,770 |
| Memoranda: | ||
| Average total assets | $2,248,591,000 | 321 |
| Average earning assets | $2,131,976,000 | 302 |
| Average equity | $166,056,500 | 447 |
| Average total loans | $1,803,378,500 | 262 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8342% | 6,059 |
| Cost of funding earning assets | 1.0776% | 1,321 |
| Net interest margin | 2.7566% | 6,638 |
| Noninterest income to average assets | 0.7027% | 2,657 |
| Noninterest expense to average assets | 2.1667% | 6,090 |
| Loan and lease loss provision to assets | 0.4297% | 1,519 |
| Net operating income to assets | 0.4654% | 4,977 |
| Return on assets (ROA) | 1.0197% | 2,607 |
| Pretax return on assets | 1.5687% | 1,642 |
| Return on Equity (ROE) | 14.4371% | 1,024 |
| Retained earnings to average equity (ytd only) | 14.4371% | 311 |
| Net charge-offs to loans | 0.4194% | 2,352 |
| Credit loss provision to net charge-offs | 131.4600% | 2,087 |
| Earnings coverage of net charge-offs (x) | 3.5049% | 3,348 |
| Efficiency ratio | 65.3898% | 4,648 |
| Assets per employee ($millions) | 9.2474% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 6,603 |
| Loan loss allowance to noncurrent loans | 20.9769% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 3.8571% | 1,345 |
| Noncurrent loans to loans | 3.9721% | 1,394 |
| Net loans and leases to total assets | 83.9838% | 216 |
| Net loans and leases to deposits | 99.3957% | 446 |
| Net loans and leases to core deposits | 111.9603% | 510 |
| Total domestic deposits to total assets | 84.4944% | 4,103 |
| Equity capital to assets | 6.9335% | 6,921 |
| Core capital (leverage) ratio | 7.3692% | 6,679 |
| Tier 1 risk-based capital ratio | 9.0786% | 6,974 |
| Total risk-based capital ratio | 10.0895% | 6,996 |
| Memoranda: | ||
| Average total assets | $2,112,184,330 | 341 |
| Average earning assets | $1,999,599,000 | 318 |
| Average equity | $149,185,000 | 483 |
| Average total loans | $1,646,176,670 | 283 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 6,027 |
| Cost of funding earning assets | 1.0925% | 1,440 |
| Net interest margin | 2.8035% | 6,635 |
| Noninterest income to average assets | 0.7069% | 2,632 |
| Noninterest expense to average assets | 2.0711% | 6,334 |
| Loan and lease loss provision to assets | 0.3553% | 1,770 |
| Net operating income to assets | 0.6124% | 4,295 |
| Return on assets (ROA) | 0.6396% | 4,387 |
| Pretax return on assets | 0.9691% | 3,795 |
| Return on Equity (ROE) | 8.9631% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.9631% | 1,610 |
| Net charge-offs to loans | 0.3813% | 2,161 |
| Credit loss provision to net charge-offs | 125.6983% | 1,902 |
| Earnings coverage of net charge-offs (x) | 4.5391% | 2,555 |
| Efficiency ratio | 61.7445% | 5,319 |
| Assets per employee ($millions) | 8.7000% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 6,133 |
| Loan loss allowance to noncurrent loans | 19.4557% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 4.5462% | 1,169 |
| Noncurrent loans to loans | 5.3204% | 1,023 |
| Net loans and leases to total assets | 74.5520% | 980 |
| Net loans and leases to deposits | 81.3812% | 2,008 |
| Net loans and leases to core deposits | 88.6130% | 1,988 |
| Total domestic deposits to total assets | 91.6084% | 344 |
| Equity capital to assets | 7.4148% | 6,812 |
| Core capital (leverage) ratio | 7.3916% | 6,690 |
| Tier 1 risk-based capital ratio | 10.3835% | 6,767 |
| Total risk-based capital ratio | 11.5834% | 6,784 |
| Memoranda: | ||
| Average total assets | $2,026,218,500 | 350 |
| Average earning assets | $1,913,331,500 | 329 |
| Average equity | $144,592,500 | 494 |
| Average total loans | $1,502,062,500 | 303 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 6,788 |
| Cost of funding earning assets | 1.3718% | 1,158 |
| Net interest margin | 2.3801% | 7,111 |
| Noninterest income to average assets | 0.6306% | 3,004 |
| Noninterest expense to average assets | 2.1618% | 6,352 |
| Loan and lease loss provision to assets | 0.5484% | 1,900 |
| Net operating income to assets | 0.1247% | 5,806 |
| Return on assets (ROA) | 0.2341% | 5,623 |
| Pretax return on assets | 0.3406% | 5,449 |
| Return on Equity (ROE) | 3.2155% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.2155% | 3,930 |
| Net charge-offs to loans | 0.8857% | 1,966 |
| Credit loss provision to net charge-offs | 98.9840% | 3,624 |
| Earnings coverage of net charge-offs (x) | 1.3185% | 4,787 |
| Efficiency ratio | 74.7447% | 3,099 |
| Assets per employee ($millions) | 10.0851% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 6,266 |
| Loan loss allowance to noncurrent loans | 18.1172% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 4.5624% | 1,199 |
| Noncurrent loans to loans | 5.4716% | 971 |
| Net loans and leases to total assets | 72.2666% | 1,598 |
| Net loans and leases to deposits | 94.5491% | 775 |
| Net loans and leases to core deposits | 101.8281% | 1,039 |
| Total domestic deposits to total assets | 76.4329% | 6,424 |
| Equity capital to assets | 6.8711% | 6,993 |
| Core capital (leverage) ratio | 7.1115% | 6,827 |
| Tier 1 risk-based capital ratio | 9.6603% | 6,924 |
| Total risk-based capital ratio | 10.7815% | 6,951 |
| Memoranda: | ||
| Average total assets | $1,723,310,600 | 391 |
| Average earning assets | $1,637,530,200 | 367 |
| Average equity | $125,456,200 | 550 |
| Average total loans | $1,077,897,400 | 390 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 7,024 |
| Cost of funding earning assets | 1.4607% | 988 |
| Net interest margin | 2.1347% | 7,278 |
| Noninterest income to average assets | 0.6137% | 3,085 |
| Noninterest expense to average assets | 2.1354% | 6,443 |
| Loan and lease loss provision to assets | 0.5342% | 1,848 |
| Net operating income to assets | -0.0181% | 6,177 |
| Return on assets (ROA) | 0.0661% | 6,146 |
| Pretax return on assets | 0.0905% | 6,116 |
| Return on Equity (ROE) | 0.8916% | 6,088 |
| Retained earnings to average equity (ytd only) | 0.8916% | 5,649 |
| Net charge-offs to loans | 1.0539% | 1,512 |
| Credit loss provision to net charge-offs | 85.5762% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.8162% | 5,003 |
| Efficiency ratio | 80.7364% | 2,154 |
| Assets per employee ($millions) | 10.2922% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,675 |
| Loan loss allowance to noncurrent loans | 18.3266% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 4.6837% | 1,263 |
| Noncurrent loans to loans | 6.2830% | 860 |
| Net loans and leases to total assets | 64.6303% | 3,182 |
| Net loans and leases to deposits | 75.4963% | 3,412 |
| Net loans and leases to core deposits | 81.8081% | 3,353 |
| Total domestic deposits to total assets | 85.6072% | 3,441 |
| Equity capital to assets | 7.3423% | 6,972 |
| Core capital (leverage) ratio | 7.9332% | 6,449 |
| Tier 1 risk-based capital ratio | 11.9273% | 5,946 |
| Total risk-based capital ratio | 13.2887% | 5,854 |
| Memoranda: | ||
| Average total assets | $1,634,755,250 | 405 |
| Average earning assets | $1,555,450,500 | 387 |
| Average equity | $121,133,000 | 578 |
| Average total loans | $968,273,500 | 435 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 7,115 |
| Cost of funding earning assets | 1.5277% | 908 |
| Net interest margin | 2.0456% | 7,359 |
| Noninterest income to average assets | 0.7206% | 2,437 |
| Noninterest expense to average assets | 2.2221% | 6,324 |
| Loan and lease loss provision to assets | 0.7250% | 1,289 |
| Net operating income to assets | -0.1964% | 6,468 |
| Return on assets (ROA) | -0.1964% | 6,505 |
| Pretax return on assets | -0.2773% | 6,518 |
| Return on Equity (ROE) | -2.6415% | 6,559 |
| Retained earnings to average equity (ytd only) | -2.6415% | 6,324 |
| Net charge-offs to loans | 1.5441% | 951 |
| Credit loss provision to net charge-offs | 82.6870% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.5106% | 4,923 |
| Efficiency ratio | 83.2316% | 1,917 |
| Assets per employee ($millions) | 11.2197% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 3,916 |
| Loan loss allowance to noncurrent loans | 19.7156% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 4.5246% | 1,388 |
| Noncurrent loans to loans | 7.8437% | 589 |
| Net loans and leases to total assets | 52.4070% | 5,512 |
| Net loans and leases to deposits | 63.1392% | 5,379 |
| Net loans and leases to core deposits | 70.2822% | 5,038 |
| Total domestic deposits to total assets | 83.0023% | 4,754 |
| Equity capital to assets | 7.2825% | 7,033 |
| Core capital (leverage) ratio | 7.6597% | 6,616 |
| Tier 1 risk-based capital ratio | 16.1884% | 2,889 |
| Total risk-based capital ratio | 17.6060% | 2,770 |
| Memoranda: | ||
| Average total assets | $1,558,710,670 | 434 |
| Average earning assets | $1,485,200,670 | 406 |
| Average equity | $115,917,670 | 603 |
| Average total loans | $885,026,330 | 485 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 7,296 |
| Cost of funding earning assets | 1.5659% | 931 |
| Net interest margin | 1.7714% | 7,459 |
| Noninterest income to average assets | 0.8682% | 1,783 |
| Noninterest expense to average assets | 2.4545% | 5,726 |
| Loan and lease loss provision to assets | 0.7512% | 1,133 |
| Net operating income to assets | -0.4496% | 6,774 |
| Return on assets (ROA) | -0.4496% | 6,784 |
| Pretax return on assets | -0.6517% | 6,847 |
| Return on Equity (ROE) | -5.9757% | 6,864 |
| Retained earnings to average equity (ytd only) | -5.9757% | 6,593 |
| Net charge-offs to loans | 0.2879% | 2,910 |
| Credit loss provision to net charge-offs | 443.7401% | 791 |
| Earnings coverage of net charge-offs (x) | 0.5880% | 4,185 |
| Efficiency ratio | 96.1029% | 915 |
| Assets per employee ($millions) | 11.4010% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 2,469 |
| Loan loss allowance to noncurrent loans | 23.5411% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 5.0471% | 1,245 |
| Noncurrent loans to loans | 8.4042% | 566 |
| Net loans and leases to total assets | 53.3126% | 5,407 |
| Net loans and leases to deposits | 61.6857% | 5,545 |
| Net loans and leases to core deposits | 71.0154% | 4,926 |
| Total domestic deposits to total assets | 86.4261% | 3,273 |
| Equity capital to assets | 7.4172% | 6,912 |
| Core capital (leverage) ratio | 8.2716% | 5,862 |
| Tier 1 risk-based capital ratio | 16.0841% | 2,864 |
| Total risk-based capital ratio | 17.5066% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,490,976,500 | 457 |
| Average earning assets | $1,418,996,000 | 431 |
| Average equity | $112,187,500 | 612 |
| Average total loans | $876,632,000 | 499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 6,937 |
| Cost of funding earning assets | 1.5664% | 2,264 |
| Net interest margin | 2.6267% | 7,187 |
| Noninterest income to average assets | 5.6973% | 117 |
| Noninterest expense to average assets | 3.3390% | 2,611 |
| Loan and lease loss provision to assets | 1.3306% | 1,149 |
| Net operating income to assets | 2.9335% | 77 |
| Return on assets (ROA) | 3.0524% | 73 |
| Pretax return on assets | 3.6608% | 81 |
| Return on Equity (ROE) | 33.4467% | 27 |
| Retained earnings to average equity (ytd only) | 33.4467% | 10 |
| Net charge-offs to loans | 0.9612% | 2,254 |
| Credit loss provision to net charge-offs | 197.0857% | 1,607 |
| Earnings coverage of net charge-offs (x) | 7.1808% | 2,187 |
| Efficiency ratio | 40.7835% | 7,497 |
| Assets per employee ($millions) | 10.3339% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 3,130 |
| Loan loss allowance to noncurrent loans | 23.9922% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 5.1154% | 1,245 |
| Noncurrent loans to loans | 7.1743% | 774 |
| Net loans and leases to total assets | 62.8499% | 4,101 |
| Net loans and leases to deposits | 69.3446% | 4,901 |
| Net loans and leases to core deposits | 78.0200% | 4,459 |
| Total domestic deposits to total assets | 90.6341% | 776 |
| Equity capital to assets | 7.6498% | 6,780 |
| Core capital (leverage) ratio | 8.6673% | 5,077 |
| Tier 1 risk-based capital ratio | 19.6527% | 1,566 |
| Total risk-based capital ratio | 21.1419% | 1,481 |
| Memoranda: | ||
| Average total assets | $777,592,000 | 874 |
| Average earning assets | $737,088,200 | 833 |
| Average equity | $70,963,600 | 952 |
| Average total loans | $546,169,800 | 826 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 6,985 |
| Cost of funding earning assets | 1.5618% | 2,600 |
| Net interest margin | 2.7209% | 7,210 |
| Noninterest income to average assets | 9.0182% | 70 |
| Noninterest expense to average assets | 3.9310% | 1,159 |
| Loan and lease loss provision to assets | 2.0151% | 589 |
| Net operating income to assets | 4.7447% | 31 |
| Return on assets (ROA) | 4.9427% | 30 |
| Pretax return on assets | 5.8879% | 38 |
| Return on Equity (ROE) | 49.7588% | 16 |
| Retained earnings to average equity (ytd only) | 49.7588% | 8 |
| Net charge-offs to loans | 1.4134% | 1,440 |
| Credit loss provision to net charge-offs | 193.5004% | 1,846 |
| Earnings coverage of net charge-offs (x) | 7.3627% | 2,345 |
| Efficiency ratio | 33.8931% | 7,651 |
| Assets per employee ($millions) | 8.2766% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 2,857 |
| Loan loss allowance to noncurrent loans | 20.5345% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 7.7641% | 656 |
| Noncurrent loans to loans | 8.6574% | 570 |
| Net loans and leases to total assets | 78.7114% | 926 |
| Net loans and leases to deposits | 89.3261% | 1,818 |
| Net loans and leases to core deposits | 101.1441% | 1,732 |
| Total domestic deposits to total assets | 88.1169% | 1,891 |
| Equity capital to assets | 9.4624% | 4,902 |
| Core capital (leverage) ratio | 10.6668% | 2,538 |
| Tier 1 risk-based capital ratio | 20.5311% | 1,439 |
| Total risk-based capital ratio | 22.1419% | 1,353 |
| Memoranda: | ||
| Average total assets | $628,388,250 | 1,072 |
| Average earning assets | $595,867,750 | 1,023 |
| Average equity | $62,419,500 | 1,075 |
| Average total loans | $462,976,750 | 982 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 7,298 |
| Cost of funding earning assets | 1.5862% | 2,737 |
| Net interest margin | 2.4948% | 7,424 |
| Noninterest income to average assets | 0.4280% | 4,692 |
| Noninterest expense to average assets | 2.8918% | 4,113 |
| Loan and lease loss provision to assets | 2.1874% | 550 |
| Net operating income to assets | -2.2653% | 7,367 |
| Return on assets (ROA) | -1.8312% | 7,268 |
| Pretax return on assets | -1.8312% | 7,182 |
| Return on Equity (ROE) | -17.8508% | 7,225 |
| Retained earnings to average equity (ytd only) | -17.8508% | 7,195 |
| Net charge-offs to loans | 1.8755% | 988 |
| Credit loss provision to net charge-offs | 168.4897% | 2,331 |
| Earnings coverage of net charge-offs (x) | -0.0600% | 5,770 |
| Efficiency ratio | 102.7670% | 717 |
| Assets per employee ($millions) | 6.9616% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6113% | 1,177 |
| Loan loss allowance to noncurrent loans | 67.8346% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 3.4536% | 2,036 |
| Noncurrent loans to loans | 3.8495% | 1,992 |
| Net loans and leases to total assets | 72.0343% | 2,393 |
| Net loans and leases to deposits | 82.5176% | 3,179 |
| Net loans and leases to core deposits | 106.0609% | 1,437 |
| Total domestic deposits to total assets | 87.2957% | 2,383 |
| Equity capital to assets | 10.3643% | 3,568 |
| Core capital (leverage) ratio | 11.0498% | 2,201 |
| Tier 1 risk-based capital ratio | 24.2340% | 920 |
| Total risk-based capital ratio | 26.1146% | 839 |
| Memoranda: | ||
| Average total assets | $495,750,670 | 1,374 |
| Average earning assets | $474,097,670 | 1,313 |
| Average equity | $50,855,000 | 1,310 |
| Average total loans | $343,156,670 | 1,336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 7,553 |
| Cost of funding earning assets | 1.6077% | 2,915 |
| Net interest margin | 2.2422% | 7,628 |
| Noninterest income to average assets | 0.3289% | 5,510 |
| Noninterest expense to average assets | 3.3115% | 2,495 |
| Loan and lease loss provision to assets | 4.0968% | 207 |
| Net operating income to assets | -4.9401% | 7,782 |
| Return on assets (ROA) | -4.6571% | 7,769 |
| Pretax return on assets | -4.6571% | 7,738 |
| Return on Equity (ROE) | -45.7506% | 7,692 |
| Retained earnings to average equity (ytd only) | -45.7506% | 7,682 |
| Net charge-offs to loans | 1.4834% | 1,166 |
| Credit loss provision to net charge-offs | 420.3846% | 983 |
| Earnings coverage of net charge-offs (x) | -0.8654% | 5,363 |
| Efficiency ratio | 134.1686% | 296 |
| Assets per employee ($millions) | 7.4115% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0424% | 363 |
| Loan loss allowance to noncurrent loans | 75.3411% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 3.6658% | 1,906 |
| Noncurrent loans to loans | 5.3655% | 1,321 |
| Net loans and leases to total assets | 62.9442% | 4,544 |
| Net loans and leases to deposits | 74.7701% | 4,633 |
| Net loans and leases to core deposits | 95.4124% | 2,649 |
| Total domestic deposits to total assets | 84.1836% | 4,060 |
| Equity capital to assets | 12.9772% | 1,536 |
| Core capital (leverage) ratio | 16.4910% | 507 |
| Tier 1 risk-based capital ratio | 28.7630% | 590 |
| Total risk-based capital ratio | 30.7723% | 533 |
| Memoranda: | ||
| Average total assets | $426,871,500 | 1,630 |
| Average earning assets | $407,281,500 | 1,560 |
| Average equity | $43,453,000 | 1,543 |
| Average total loans | $280,445,000 | 1,677 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 6,417 |
| Cost of funding earning assets | 2.3512% | 1,453 |
| Net interest margin | 2.6533% | 7,274 |
| Noninterest income to average assets | 0.1647% | 6,896 |
| Noninterest expense to average assets | 3.2395% | 3,239 |
| Loan and lease loss provision to assets | 4.1022% | 318 |
| Net operating income to assets | -4.6867% | 7,698 |
| Return on assets (ROA) | -4.6097% | 7,689 |
| Pretax return on assets | -4.6097% | 7,655 |
| Return on Equity (ROE) | -66.1452% | 7,788 |
| Retained earnings to average equity (ytd only) | -66.1652% | 7,784 |
| Net charge-offs to loans | 2.0606% | 1,189 |
| Credit loss provision to net charge-offs | 254.8248% | 1,382 |
| Earnings coverage of net charge-offs (x) | -0.3630% | 6,593 |
| Efficiency ratio | 122.0123% | 574 |
| Assets per employee ($millions) | 5.6413% | 1,519 |
| Cash dividends to net income (ytd only)* | -0.0302% | 7,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3561% | 278 |
| Loan loss allowance to noncurrent loans | 69.3776% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 4.4645% | 1,447 |
| Noncurrent loans to loans | 6.2788% | 974 |
| Net loans and leases to total assets | 62.9763% | 4,820 |
| Net loans and leases to deposits | 70.1647% | 5,584 |
| Net loans and leases to core deposits | 92.9671% | 4,782 |
| Total domestic deposits to total assets | 89.7550% | 1,080 |
| Equity capital to assets | 6.1479% | 7,646 |
| Core capital (leverage) ratio | 6.6752% | 7,422 |
| Tier 1 risk-based capital ratio | 9.8589% | 6,977 |
| Total risk-based capital ratio | 11.8827% | 6,240 |
| Memoranda: | ||
| Average total assets | $287,112,600 | 2,294 |
| Average earning assets | $269,480,400 | 2,241 |
| Average equity | $20,009,000 | 3,196 |
| Average total loans | $224,304,000 | 2,066 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 5,922 |
| Cost of funding earning assets | 2.4745% | 1,377 |
| Net interest margin | 2.7140% | 7,193 |
| Noninterest income to average assets | 0.1046% | 7,386 |
| Noninterest expense to average assets | 3.1411% | 3,495 |
| Loan and lease loss provision to assets | 4.4844% | 225 |
| Net operating income to assets | -5.1672% | 7,859 |
| Return on assets (ROA) | -5.0655% | 7,851 |
| Pretax return on assets | -4.8749% | 7,795 |
| Return on Equity (ROE) | -70.0279% | 7,933 |
| Retained earnings to average equity (ytd only) | -70.0551% | 7,931 |
| Net charge-offs to loans | 2.0711% | 941 |
| Credit loss provision to net charge-offs | 263.7966% | 1,612 |
| Earnings coverage of net charge-offs (x) | -0.2895% | 6,350 |
| Efficiency ratio | 118.5796% | 613 |
| Assets per employee ($millions) | 4.7491% | 2,477 |
| Cash dividends to net income (ytd only)* | -0.0388% | 7,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9392% | 312 |
| Loan loss allowance to noncurrent loans | 59.3815% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 6.0415% | 887 |
| Noncurrent loans to loans | 6.6337% | 858 |
| Net loans and leases to total assets | 74.3686% | 2,424 |
| Net loans and leases to deposits | 86.1706% | 3,283 |
| Net loans and leases to core deposits | 113.4852% | 2,883 |
| Total domestic deposits to total assets | 86.3038% | 2,539 |
| Equity capital to assets | 8.5276% | 6,219 |
| Core capital (leverage) ratio | 8.7615% | 5,031 |
| Tier 1 risk-based capital ratio | 11.4087% | 5,520 |
| Total risk-based capital ratio | 13.6469% | 4,575 |
| Memoranda: | ||
| Average total assets | $271,450,750 | 2,412 |
| Average earning assets | $254,478,000 | 2,388 |
| Average equity | $19,635,500 | 3,297 |
| Average total loans | $222,805,500 | 2,109 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 6,458 |
| Cost of funding earning assets | 2.5856% | 1,329 |
| Net interest margin | 2.5086% | 7,468 |
| Noninterest income to average assets | 0.0856% | 7,547 |
| Noninterest expense to average assets | 2.8443% | 4,762 |
| Loan and lease loss provision to assets | 6.0551% | 133 |
| Net operating income to assets | -6.4617% | 8,020 |
| Return on assets (ROA) | -6.3470% | 8,007 |
| Pretax return on assets | -6.3470% | 7,968 |
| Return on Equity (ROE) | -93.5661% | 8,070 |
| Retained earnings to average equity (ytd only) | -93.6100% | 8,069 |
| Net charge-offs to loans | 0.9539% | 1,822 |
| Credit loss provision to net charge-offs | 758.3955% | 620 |
| Earnings coverage of net charge-offs (x) | -0.5093% | 6,078 |
| Efficiency ratio | 116.6819% | 726 |
| Assets per employee ($millions) | 5.3296% | 1,740 |
| Cash dividends to net income (ytd only)* | -0.0469% | 7,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4296% | 180 |
| Loan loss allowance to noncurrent loans | 99.9095% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 4.9651% | 1,072 |
| Noncurrent loans to loans | 4.4337% | 1,460 |
| Net loans and leases to total assets | 80.4293% | 1,239 |
| Net loans and leases to deposits | 93.2258% | 2,233 |
| Net loans and leases to core deposits | 119.1148% | 2,444 |
| Total domestic deposits to total assets | 86.2736% | 2,643 |
| Equity capital to assets | 7.9023% | 6,860 |
| Core capital (leverage) ratio | 7.9562% | 6,409 |
| Tier 1 risk-based capital ratio | 10.0015% | 6,923 |
| Total risk-based capital ratio | 12.7089% | 5,348 |
| Memoranda: | ||
| Average total assets | $268,536,000 | 2,457 |
| Average earning assets | $251,774,670 | 2,422 |
| Average equity | $18,216,000 | 3,522 |
| Average total loans | $224,766,670 | 2,123 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 6,673 |
| Cost of funding earning assets | 2.6996% | 1,274 |
| Net interest margin | 2.3916% | 7,626 |
| Noninterest income to average assets | 0.3443% | 5,700 |
| Noninterest expense to average assets | 2.6947% | 5,029 |
| Loan and lease loss provision to assets | 0.1929% | 4,506 |
| Net operating income to assets | -0.2968% | 6,675 |
| Return on assets (ROA) | -0.0475% | 6,456 |
| Pretax return on assets | -0.0475% | 6,427 |
| Return on Equity (ROE) | -0.7621% | 6,507 |
| Retained earnings to average equity (ytd only) | -0.8574% | 5,852 |
| Net charge-offs to loans | 0.0391% | 4,958 |
| Credit loss provision to net charge-offs | 590.9091% | 962 |
| Earnings coverage of net charge-offs (x) | -3.1818% | 5,520 |
| Efficiency ratio | 104.0092% | 987 |
| Assets per employee ($millions) | 5.1978% | 1,845 |
| Cash dividends to net income (ytd only)* | -12.5000% | 8,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 3,965 |
| Loan loss allowance to noncurrent loans | 39.0116% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 3.4585% | 1,557 |
| Noncurrent loans to loans | 3.3802% | 1,896 |
| Net loans and leases to total assets | 84.2366% | 657 |
| Net loans and leases to deposits | 97.4322% | 1,747 |
| Net loans and leases to core deposits | 122.5359% | 2,206 |
| Total domestic deposits to total assets | 86.4566% | 2,474 |
| Equity capital to assets | 6.3152% | 7,928 |
| Core capital (leverage) ratio | 6.4001% | 7,912 |
| Tier 1 risk-based capital ratio | 7.8497% | 8,028 |
| Total risk-based capital ratio | 10.4812% | 7,636 |
| Memoranda: | ||
| Average total assets | $269,564,000 | 2,468 |
| Average earning assets | $253,224,500 | 2,423 |
| Average equity | $16,795,000 | 3,772 |
| Average total loans | $225,019,000 | 2,143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0426% | 5,341 |
| Cost of funding earning assets | 3.1762% | 1,266 |
| Net interest margin | 2.8663% | 7,218 |
| Noninterest income to average assets | 0.3117% | 6,222 |
| Noninterest expense to average assets | 2.7676% | 4,970 |
| Loan and lease loss provision to assets | 0.2238% | 4,648 |
| Net operating income to assets | 0.0073% | 6,348 |
| Return on assets (ROA) | -0.3022% | 6,601 |
| Pretax return on assets | -0.4583% | 6,617 |
| Return on Equity (ROE) | -4.9782% | 6,866 |
| Retained earnings to average equity (ytd only) | -4.9782% | 6,512 |
| Net charge-offs to loans | 0.0885% | 5,477 |
| Credit loss provision to net charge-offs | 313.3333% | 1,439 |
| Earnings coverage of net charge-offs (x) | 3.2821% | 4,447 |
| Efficiency ratio | 92.1904% | 1,372 |
| Assets per employee ($millions) | 5.4808% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 3,888 |
| Loan loss allowance to noncurrent loans | 48.1581% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 1,730 |
| Noncurrent loans to loans | 2.6690% | 2,035 |
| Net loans and leases to total assets | 80.6002% | 1,526 |
| Net loans and leases to deposits | 92.8667% | 2,981 |
| Net loans and leases to core deposits | 119.8427% | 2,704 |
| Total domestic deposits to total assets | 86.7913% | 2,039 |
| Equity capital to assets | 6.1484% | 8,034 |
| Core capital (leverage) ratio | 6.2130% | 8,017 |
| Tier 1 risk-based capital ratio | 7.8668% | 8,104 |
| Total risk-based capital ratio | 10.4974% | 7,513 |
| Memoranda: | ||
| Average total assets | $272,982,200 | 2,360 |
| Average earning assets | $256,215,600 | 2,315 |
| Average equity | $16,572,200 | 3,815 |
| Average total loans | $220,331,600 | 2,122 |