Home > Dime Community Bank > Performance and Condition Ratios
Dime Community Bank, Performance and Condition Ratios
| 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 | 3.8263% | 3,230 |
| Cost of funding earning assets | 0.8342% | 1,076 |
| Net interest margin | 2.9921% | 3,910 |
| Noninterest income to average assets | 0.3479% | 3,378 |
| Noninterest expense to average assets | 1.7890% | 4,489 |
| Loan and lease loss provision to assets | 0.3207% | 1,147 |
| Net operating income to assets | 0.7933% | 3,119 |
| Return on assets (ROA) | 0.7690% | 3,330 |
| Pretax return on assets | 1.0171% | 2,987 |
| Return on Equity (ROE) | 7.3159% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.9283% | 3,405 |
| Net charge-offs to loans | 0.2416% | 719 |
| Credit loss provision to net charge-offs | 158.8025% | 2,375 |
| Earnings coverage of net charge-offs (x) | 6.7762% | 2,749 |
| Efficiency ratio | 56.6571% | 3,900 |
| Assets per employee ($millions) | 16.5745% | 136 |
| Cash dividends to net income (ytd only)* | 59.9736% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6655% | 4,641 |
| Loan loss allowance to noncurrent loans | 208.9079% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 2,979 |
| Noncurrent loans to loans | 0.3186% | 3,059 |
| Net loans and leases to total assets | 82.4681% | 261 |
| Net loans and leases to deposits | 120.4551% | 74 |
| Net loans and leases to core deposits | 138.2049% | 131 |
| Total domestic deposits to total assets | 68.4638% | 4,805 |
| Equity capital to assets | 10.3975% | 2,761 |
| Core capital (leverage) ratio | 10.1911% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2828% | 2,522 |
| Memoranda: | ||
| Average total assets | $6,507,786,600 | 201 |
| Average earning assets | $6,111,246,600 | 199 |
| Average equity | $684,014,200 | 207 |
| Average total loans | $5,440,798,800 | 178 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 3,403 |
| Cost of funding earning assets | 0.9239% | 985 |
| Net interest margin | 2.9304% | 4,128 |
| Noninterest income to average assets | 0.3127% | 3,613 |
| Noninterest expense to average assets | 1.6437% | 4,687 |
| Loan and lease loss provision to assets | 0.4141% | 826 |
| Net operating income to assets | 0.7887% | 3,132 |
| Return on assets (ROA) | 0.8436% | 3,059 |
| Pretax return on assets | 1.0772% | 2,821 |
| Return on Equity (ROE) | 8.0035% | 2,807 |
| Retained earnings to average equity (ytd only) | 2.1091% | 3,892 |
| Net charge-offs to loans | -0.0012% | 3,830 |
| Credit loss provision to net charge-offs | -41,672.9167% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6189% | 4,193 |
| Assets per employee ($millions) | 15.8564% | 140 |
| Cash dividends to net income (ytd only)* | 73.6471% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,162 |
| Loan loss allowance to noncurrent loans | 337.5940% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,358 |
| Noncurrent loans to loans | 0.2574% | 3,382 |
| Net loans and leases to total assets | 83.6592% | 307 |
| Net loans and leases to deposits | 120.0288% | 113 |
| Net loans and leases to core deposits | 138.1061% | 176 |
| Total domestic deposits to total assets | 69.6993% | 4,768 |
| Equity capital to assets | 10.3826% | 2,887 |
| Core capital (leverage) ratio | 9.9678% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8653% | 2,259 |
| Memoranda: | ||
| Average total assets | $6,439,989,000 | 201 |
| Average earning assets | $6,049,861,750 | 195 |
| Average equity | $678,806,750 | 206 |
| Average total loans | $5,394,011,500 | 179 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 3,573 |
| Cost of funding earning assets | 1.0261% | 909 |
| Net interest margin | 2.8887% | 4,328 |
| Noninterest income to average assets | 0.2947% | 3,704 |
| Noninterest expense to average assets | 1.7176% | 4,664 |
| Loan and lease loss provision to assets | 0.4409% | 875 |
| Net operating income to assets | 0.6684% | 3,511 |
| Return on assets (ROA) | 0.7462% | 3,337 |
| Pretax return on assets | 0.9515% | 3,173 |
| Return on Equity (ROE) | 7.0425% | 3,116 |
| Retained earnings to average equity (ytd only) | 1.1256% | 4,066 |
| Net charge-offs to loans | 0.0008% | 3,012 |
| Credit loss provision to net charge-offs | 67,009.5238% | 12 |
| Earnings coverage of net charge-offs (x) | 1,966.4762% | 39 |
| Efficiency ratio | 57.0326% | 3,816 |
| Assets per employee ($millions) | 14.3551% | 189 |
| Cash dividends to net income (ytd only)* | 84.0165% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 4,390 |
| Loan loss allowance to noncurrent loans | 222.7628% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,127 |
| Noncurrent loans to loans | 0.3502% | 3,143 |
| Net loans and leases to total assets | 83.6513% | 279 |
| Net loans and leases to deposits | 116.4941% | 122 |
| Net loans and leases to core deposits | 132.8845% | 231 |
| Total domestic deposits to total assets | 71.8073% | 4,720 |
| Equity capital to assets | 10.4634% | 2,776 |
| Core capital (leverage) ratio | 9.9814% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9853% | 2,185 |
| Memoranda: | ||
| Average total assets | $6,382,616,333 | 199 |
| Average earning assets | $6,003,052,667 | 194 |
| Average equity | $676,238,667 | 205 |
| Average total loans | $5,331,972,667 | 179 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 3,965 |
| Cost of funding earning assets | 1.1401% | 930 |
| Net interest margin | 2.7969% | 4,568 |
| Noninterest income to average assets | 0.2927% | 3,772 |
| Noninterest expense to average assets | 1.6219% | 4,840 |
| Loan and lease loss provision to assets | 0.5052% | 583 |
| Net operating income to assets | 0.6293% | 3,520 |
| Return on assets (ROA) | 0.6297% | 3,577 |
| Pretax return on assets | 0.8035% | 3,404 |
| Return on Equity (ROE) | 5.9060% | 3,349 |
| Retained earnings to average equity (ytd only) | -0.0095% | 3,992 |
| Net charge-offs to loans | -0.0008% | 3,597 |
| Credit loss provision to net charge-offs | -80,120.0000% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3538% | 4,272 |
| Assets per employee ($millions) | 14.2784% | 147 |
| Cash dividends to net income (ytd only)* | 100.1602% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 4,604 |
| Loan loss allowance to noncurrent loans | 190.0104% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,240 |
| Noncurrent loans to loans | 0.3684% | 3,168 |
| Net loans and leases to total assets | 81.5862% | 492 |
| Net loans and leases to deposits | 116.6034% | 110 |
| Net loans and leases to core deposits | 142.8799% | 150 |
| Total domestic deposits to total assets | 69.9690% | 4,856 |
| Equity capital to assets | 10.6218% | 3,211 |
| Core capital (leverage) ratio | 9.9283% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4650% | 2,495 |
| Memoranda: | ||
| Average total assets | $6,344,037,000 | 197 |
| Average earning assets | $5,982,290,000 | 191 |
| Average equity | $676,402,000 | 207 |
| Average total loans | $5,274,871,000 | 180 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 4,392 |
| Cost of funding earning assets | 1.4086% | 550 |
| Net interest margin | 2.5128% | 4,962 |
| Noninterest income to average assets | 0.1775% | 4,603 |
| Noninterest expense to average assets | 1.4694% | 5,014 |
| Loan and lease loss provision to assets | 0.2706% | 662 |
| Net operating income to assets | 0.6242% | 4,090 |
| Return on assets (ROA) | 0.6246% | 4,154 |
| Pretax return on assets | 0.8191% | 3,933 |
| Return on Equity (ROE) | 5.9117% | 3,945 |
| Retained earnings to average equity (ytd only) | -1.8453% | 4,864 |
| Net charge-offs to loans | 0.1959% | 1,036 |
| Credit loss provision to net charge-offs | 162.3443% | 1,592 |
| Earnings coverage of net charge-offs (x) | 6.5340% | 2,969 |
| Efficiency ratio | 57.4295% | 4,032 |
| Assets per employee ($millions) | 14.0453% | 145 |
| Cash dividends to net income (ytd only)* | 131.2144% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 4,849 |
| Loan loss allowance to noncurrent loans | 225.2931% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 3,673 |
| Noncurrent loans to loans | 0.2364% | 3,602 |
| Net loans and leases to total assets | 83.6831% | 347 |
| Net loans and leases to deposits | 121.1882% | 79 |
| Net loans and leases to core deposits | 147.1405% | 135 |
| Total domestic deposits to total assets | 69.0522% | 4,968 |
| Equity capital to assets | 10.7021% | 3,256 |
| Core capital (leverage) ratio | 10.1530% | 3,352 |
| Tier 1 risk-based capital ratio | 12.8514% | 3,874 |
| Total risk-based capital ratio | 13.4409% | 4,133 |
| Memoranda: | ||
| Average total assets | $6,407,441,800 | 186 |
| Average earning assets | $6,071,631,000 | 179 |
| Average equity | $676,966,600 | 201 |
| Average total loans | $5,452,656,600 | 168 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 4,547 |
| Cost of funding earning assets | 1.4435% | 494 |
| Net interest margin | 2.4515% | 5,089 |
| Noninterest income to average assets | 0.1661% | 4,722 |
| Noninterest expense to average assets | 1.3740% | 5,122 |
| Loan and lease loss provision to assets | 0.2304% | 736 |
| Net operating income to assets | 0.6683% | 4,111 |
| Return on assets (ROA) | 0.6672% | 4,176 |
| Pretax return on assets | 0.8841% | 3,927 |
| Return on Equity (ROE) | 6.3352% | 3,942 |
| Retained earnings to average equity (ytd only) | -3.5233% | 5,014 |
| Net charge-offs to loans | 0.1359% | 1,182 |
| Credit loss provision to net charge-offs | 198.6399% | 1,321 |
| Earnings coverage of net charge-offs (x) | 9.6194% | 2,559 |
| Efficiency ratio | 55.1816% | 4,257 |
| Assets per employee ($millions) | 15.0646% | 123 |
| Cash dividends to net income (ytd only)* | 155.6150% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 4,972 |
| Loan loss allowance to noncurrent loans | 162.8715% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 3,523 |
| Noncurrent loans to loans | 0.3055% | 3,438 |
| Net loans and leases to total assets | 85.0420% | 250 |
| Net loans and leases to deposits | 120.0708% | 96 |
| Net loans and leases to core deposits | 143.4355% | 153 |
| Total domestic deposits to total assets | 70.8266% | 4,961 |
| Equity capital to assets | 10.4897% | 3,548 |
| Core capital (leverage) ratio | 9.7506% | 3,910 |
| Tier 1 risk-based capital ratio | 11.8564% | 4,486 |
| Total risk-based capital ratio | 12.3836% | 4,736 |
| Memoranda: | ||
| Average total assets | $6,422,184,500 | 188 |
| Average earning assets | $6,087,769,500 | 180 |
| Average equity | $676,353,000 | 205 |
| Average total loans | $5,480,561,250 | 170 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,623 |
| Cost of funding earning assets | 1.4170% | 500 |
| Net interest margin | 2.4441% | 5,154 |
| Noninterest income to average assets | 0.1489% | 4,831 |
| Noninterest expense to average assets | 1.3646% | 5,181 |
| Loan and lease loss provision to assets | -0.0040% | 5,101 |
| Net operating income to assets | 0.8225% | 3,577 |
| Return on assets (ROA) | 0.8192% | 3,643 |
| Pretax return on assets | 1.1017% | 3,227 |
| Return on Equity (ROE) | 7.7684% | 3,395 |
| Retained earnings to average equity (ytd only) | -6.2612% | 5,101 |
| Net charge-offs to loans | 0.0190% | 2,493 |
| Credit loss provision to net charge-offs | -24.6154% | 3,783 |
| Earnings coverage of net charge-offs (x) | 68.0558% | 914 |
| Efficiency ratio | 55.3271% | 4,334 |
| Assets per employee ($millions) | 15.0601% | 106 |
| Cash dividends to net income (ytd only)* | 180.5982% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3818% | 5,119 |
| Loan loss allowance to noncurrent loans | 519.3905% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,440 |
| Noncurrent loans to loans | 0.0735% | 4,347 |
| Net loans and leases to total assets | 84.9528% | 288 |
| Net loans and leases to deposits | 120.7256% | 82 |
| Net loans and leases to core deposits | 144.8195% | 158 |
| Total domestic deposits to total assets | 70.3685% | 5,039 |
| Equity capital to assets | 10.3114% | 3,685 |
| Core capital (leverage) ratio | 9.7653% | 3,864 |
| Tier 1 risk-based capital ratio | 12.1378% | 4,337 |
| Total risk-based capital ratio | 12.5603% | 4,676 |
| Memoranda: | ||
| Average total assets | $6,423,744,670 | 187 |
| Average earning assets | $6,091,161,000 | 179 |
| Average equity | $677,411,330 | 207 |
| Average total loans | $5,479,125,670 | 168 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 4,704 |
| Cost of funding earning assets | 1.3879% | 478 |
| Net interest margin | 2.4166% | 5,217 |
| Noninterest income to average assets | 0.1323% | 4,938 |
| Noninterest expense to average assets | 1.3646% | 5,238 |
| Loan and lease loss provision to assets | 0.0201% | 3,180 |
| Net operating income to assets | 0.7768% | 3,695 |
| Return on assets (ROA) | 0.7730% | 3,754 |
| Pretax return on assets | 1.0360% | 3,323 |
| Return on Equity (ROE) | 7.2485% | 3,570 |
| Retained earnings to average equity (ytd only) | -10.3624% | 5,117 |
| Net charge-offs to loans | 0.0120% | 2,261 |
| Credit loss provision to net charge-offs | 196.9325% | 1,072 |
| Earnings coverage of net charge-offs (x) | 103.9693% | 652 |
| Efficiency ratio | 56.2624% | 4,298 |
| Assets per employee ($millions) | 15.5453% | 97 |
| Cash dividends to net income (ytd only)* | 242.9589% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3984% | 5,177 |
| Loan loss allowance to noncurrent loans | 177.2213% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 3,864 |
| Noncurrent loans to loans | 0.2248% | 3,780 |
| Net loans and leases to total assets | 84.8197% | 296 |
| Net loans and leases to deposits | 119.6389% | 90 |
| Net loans and leases to core deposits | 139.5533% | 193 |
| Total domestic deposits to total assets | 70.8964% | 5,083 |
| Equity capital to assets | 10.4132% | 3,405 |
| Core capital (leverage) ratio | 9.7657% | 3,850 |
| Tier 1 risk-based capital ratio | 12.3913% | 4,239 |
| Total risk-based capital ratio | 12.8365% | 4,579 |
| Memoranda: | ||
| Average total assets | $6,390,162,500 | 189 |
| Average earning assets | $6,063,627,000 | 182 |
| Average equity | $681,465,500 | 207 |
| Average total loans | $5,451,016,000 | 169 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,683 |
| Cost of funding earning assets | 1.1672% | 383 |
| Net interest margin | 2.5237% | 5,206 |
| Noninterest income to average assets | 0.1300% | 5,039 |
| Noninterest expense to average assets | 1.3599% | 5,280 |
| Loan and lease loss provision to assets | 0.0356% | 3,488 |
| Net operating income to assets | 0.8628% | 3,567 |
| Return on assets (ROA) | 0.8799% | 3,489 |
| Pretax return on assets | 1.1564% | 3,076 |
| Return on Equity (ROE) | 8.3222% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.1213% | 1,617 |
| Net charge-offs to loans | 0.0274% | 2,862 |
| Credit loss provision to net charge-offs | 150.1003% | 1,831 |
| Earnings coverage of net charge-offs (x) | 49.4027% | 1,149 |
| Efficiency ratio | 53.7483% | 4,640 |
| Assets per employee ($millions) | 15.1402% | 100 |
| Cash dividends to net income (ytd only)* | 14.4290% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4038% | 5,210 |
| Loan loss allowance to noncurrent loans | 890.8793% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 4,651 |
| Noncurrent loans to loans | 0.0453% | 4,542 |
| Net loans and leases to total assets | 85.1060% | 303 |
| Net loans and leases to deposits | 120.4446% | 94 |
| Net loans and leases to core deposits | 136.6371% | 235 |
| Total domestic deposits to total assets | 70.6598% | 5,134 |
| Equity capital to assets | 10.9215% | 2,768 |
| Core capital (leverage) ratio | 10.3102% | 3,239 |
| Tier 1 risk-based capital ratio | 13.3350% | 3,641 |
| Total risk-based capital ratio | 13.7978% | 3,980 |
| Memoranda: | ||
| Average total assets | $6,311,338,400 | 189 |
| Average earning assets | $6,002,412,800 | 181 |
| Average equity | $667,303,400 | 199 |
| Average total loans | $5,464,522,800 | 165 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 4,747 |
| Cost of funding earning assets | 1.1216% | 362 |
| Net interest margin | 2.5123% | 5,280 |
| Noninterest income to average assets | 0.1274% | 5,111 |
| Noninterest expense to average assets | 1.3381% | 5,355 |
| Loan and lease loss provision to assets | 0.0347% | 3,316 |
| Net operating income to assets | 0.8612% | 3,693 |
| Return on assets (ROA) | 0.8840% | 3,606 |
| Pretax return on assets | 1.1729% | 3,105 |
| Return on Equity (ROE) | 8.4306% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.2199% | 2,012 |
| Net charge-offs to loans | 0.0327% | 2,435 |
| Credit loss provision to net charge-offs | 122.0982% | 1,966 |
| Earnings coverage of net charge-offs (x) | 41.5081% | 1,326 |
| Efficiency ratio | 53.1686% | 4,693 |
| Assets per employee ($millions) | 15.5217% | 91 |
| Cash dividends to net income (ytd only)* | 14.3608% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3940% | 5,286 |
| Loan loss allowance to noncurrent loans | 505.4502% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,644 |
| Noncurrent loans to loans | 0.0780% | 4,527 |
| Net loans and leases to total assets | 85.7746% | 285 |
| Net loans and leases to deposits | 118.9043% | 115 |
| Net loans and leases to core deposits | 132.4565% | 290 |
| Total domestic deposits to total assets | 72.1375% | 5,120 |
| Equity capital to assets | 10.7900% | 2,853 |
| Core capital (leverage) ratio | 10.1542% | 3,464 |
| Tier 1 risk-based capital ratio | 13.2555% | 3,755 |
| Total risk-based capital ratio | 13.7149% | 4,107 |
| Memoranda: | ||
| Average total assets | $6,310,807,500 | 187 |
| Average earning assets | $6,002,040,500 | 181 |
| Average equity | $661,748,500 | 199 |
| Average total loans | $5,481,924,750 | 164 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 4,723 |
| Cost of funding earning assets | 1.0723% | 332 |
| Net interest margin | 2.5542% | 5,302 |
| Noninterest income to average assets | 0.1258% | 5,175 |
| Noninterest expense to average assets | 1.3297% | 5,425 |
| Loan and lease loss provision to assets | 0.0413% | 3,080 |
| Net operating income to assets | 0.8869% | 3,513 |
| Return on assets (ROA) | 0.9212% | 3,364 |
| Pretax return on assets | 1.2278% | 2,836 |
| Return on Equity (ROE) | 8.8700% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.6491% | 1,774 |
| Net charge-offs to loans | 0.0492% | 1,905 |
| Credit loss provision to net charge-offs | 96.3838% | 2,100 |
| Earnings coverage of net charge-offs (x) | 28.5808% | 1,552 |
| Efficiency ratio | 52.0343% | 4,887 |
| Assets per employee ($millions) | 15.4968% | 88 |
| Cash dividends to net income (ytd only)* | 13.7644% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3882% | 5,362 |
| Loan loss allowance to noncurrent loans | 326.4976% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 4,481 |
| Noncurrent loans to loans | 0.1189% | 4,371 |
| Net loans and leases to total assets | 86.2072% | 249 |
| Net loans and leases to deposits | 119.5844% | 111 |
| Net loans and leases to core deposits | 132.2086% | 294 |
| Total domestic deposits to total assets | 72.0890% | 5,177 |
| Equity capital to assets | 10.7012% | 2,931 |
| Core capital (leverage) ratio | 9.9387% | 3,650 |
| Tier 1 risk-based capital ratio | 13.0916% | 3,854 |
| Total risk-based capital ratio | 13.5461% | 4,192 |
| Memoranda: | ||
| Average total assets | $6,318,980,670 | 186 |
| Average earning assets | $6,010,920,670 | 179 |
| Average equity | $656,234,330 | 198 |
| Average total loans | $5,504,777,330 | 161 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6389% | 4,620 |
| Cost of funding earning assets | 1.0376% | 311 |
| Net interest margin | 2.6012% | 5,322 |
| Noninterest income to average assets | 0.1145% | 5,276 |
| Noninterest expense to average assets | 1.3524% | 5,472 |
| Loan and lease loss provision to assets | 0.0121% | 3,371 |
| Net operating income to assets | 0.9238% | 3,189 |
| Return on assets (ROA) | 0.9919% | 2,905 |
| Pretax return on assets | 1.3112% | 2,320 |
| Return on Equity (ROE) | 9.6962% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.4639% | 1,670 |
| Net charge-offs to loans | 0.0016% | 2,676 |
| Credit loss provision to net charge-offs | 877.2727% | 380 |
| Earnings coverage of net charge-offs (x) | 893.5000% | 69 |
| Efficiency ratio | 52.2274% | 4,948 |
| Assets per employee ($millions) | 15.5258% | 82 |
| Cash dividends to net income (ytd only)* | 12.7086% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3850% | 5,441 |
| Loan loss allowance to noncurrent loans | 136.4918% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,885 |
| Noncurrent loans to loans | 0.2821% | 3,760 |
| Net loans and leases to total assets | 86.8212% | 204 |
| Net loans and leases to deposits | 118.7187% | 128 |
| Net loans and leases to core deposits | 130.8779% | 324 |
| Total domestic deposits to total assets | 73.1319% | 5,212 |
| Equity capital to assets | 10.3993% | 3,170 |
| Core capital (leverage) ratio | 9.5851% | 3,978 |
| Tier 1 risk-based capital ratio | 12.9686% | 3,961 |
| Total risk-based capital ratio | 13.4323% | 4,342 |
| Memoranda: | ||
| Average total assets | $6,355,874,500 | 187 |
| Average earning assets | $6,047,588,500 | 177 |
| Average equity | $650,195,000 | 200 |
| Average total loans | $5,554,771,000 | 161 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 4,645 |
| Cost of funding earning assets | 0.9044% | 366 |
| Net interest margin | 2.6621% | 5,307 |
| Noninterest income to average assets | 0.2951% | 4,346 |
| Noninterest expense to average assets | 1.3274% | 5,551 |
| Loan and lease loss provision to assets | 0.0083% | 4,101 |
| Net operating income to assets | 0.8694% | 2,867 |
| Return on assets (ROA) | 0.8958% | 2,762 |
| Pretax return on assets | 1.5402% | 1,488 |
| Return on Equity (ROE) | 9.2037% | 2,211 |
| Retained earnings to average equity (ytd only) | 7.8817% | 806 |
| Net charge-offs to loans | 0.0004% | 4,119 |
| Credit loss provision to net charge-offs | 2,260.8696% | 169 |
| Earnings coverage of net charge-offs (x) | 4,081.0870% | 13 |
| Efficiency ratio | 46.8289% | 5,368 |
| Assets per employee ($millions) | 16.8674% | 66 |
| Cash dividends to net income (ytd only)* | 14.3636% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3754% | 5,506 |
| Loan loss allowance to noncurrent loans | 102.7604% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,594 |
| Noncurrent loans to loans | 0.3654% | 3,460 |
| Net loans and leases to total assets | 87.3032% | 170 |
| Net loans and leases to deposits | 122.8213% | 86 |
| Net loans and leases to core deposits | 133.6354% | 282 |
| Total domestic deposits to total assets | 71.0815% | 5,358 |
| Equity capital to assets | 10.0623% | 3,631 |
| Core capital (leverage) ratio | 9.3187% | 4,264 |
| Tier 1 risk-based capital ratio | 12.3786% | 4,277 |
| Total risk-based capital ratio | 12.8282% | 4,697 |
| Memoranda: | ||
| Average total assets | $6,227,665,600 | 184 |
| Average earning assets | $5,941,073,000 | 175 |
| Average equity | $606,135,000 | 197 |
| Average total loans | $5,769,265,200 | 153 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5541% | 4,674 |
| Cost of funding earning assets | 0.8851% | 380 |
| Net interest margin | 2.6690% | 5,354 |
| Noninterest income to average assets | 0.1014% | 5,474 |
| Noninterest expense to average assets | 1.3005% | 5,618 |
| Loan and lease loss provision to assets | 0.0328% | 3,468 |
| Net operating income to assets | 0.8180% | 3,448 |
| Return on assets (ROA) | 0.8539% | 3,305 |
| Pretax return on assets | 1.3721% | 2,209 |
| Return on Equity (ROE) | 8.8511% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.2854% | 1,545 |
| Net charge-offs to loans | 0.0011% | 3,747 |
| Credit loss provision to net charge-offs | 3,102.0408% | 149 |
| Earnings coverage of net charge-offs (x) | 1,277.1557% | 78 |
| Efficiency ratio | 49.0892% | 5,285 |
| Assets per employee ($millions) | 17.3432% | 64 |
| Cash dividends to net income (ytd only)* | 17.6897% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3681% | 5,582 |
| Loan loss allowance to noncurrent loans | 515.1451% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,900 |
| Noncurrent loans to loans | 0.0715% | 4,792 |
| Net loans and leases to total assets | 92.5777% | 21 |
| Net loans and leases to deposits | 130.8024% | 39 |
| Net loans and leases to core deposits | 137.3367% | 239 |
| Total domestic deposits to total assets | 70.7767% | 5,450 |
| Equity capital to assets | 9.7279% | 4,221 |
| Core capital (leverage) ratio | 9.2343% | 4,484 |
| Tier 1 risk-based capital ratio | 11.4688% | 4,978 |
| Total risk-based capital ratio | 11.9082% | 5,319 |
| Memoranda: | ||
| Average total assets | $6,186,391,500 | 184 |
| Average earning assets | $5,905,305,250 | 175 |
| Average equity | $596,853,750 | 202 |
| Average total loans | $5,811,052,500 | 151 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 4,604 |
| Cost of funding earning assets | 0.8771% | 352 |
| Net interest margin | 2.6860% | 5,372 |
| Noninterest income to average assets | 0.1025% | 5,507 |
| Noninterest expense to average assets | 1.3012% | 5,672 |
| Loan and lease loss provision to assets | 0.0491% | 3,009 |
| Net operating income to assets | 0.8091% | 3,356 |
| Return on assets (ROA) | 0.8091% | 3,412 |
| Pretax return on assets | 1.3163% | 2,326 |
| Return on Equity (ROE) | 8.4106% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.3648% | 1,927 |
| Net charge-offs to loans | 0.0017% | 3,458 |
| Credit loss provision to net charge-offs | 3,118.7500% | 132 |
| Earnings coverage of net charge-offs (x) | 868.1250% | 83 |
| Efficiency ratio | 48.7964% | 5,369 |
| Assets per employee ($millions) | 16.2957% | 71 |
| Cash dividends to net income (ytd only)* | 24.3237% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3741% | 5,625 |
| Loan loss allowance to noncurrent loans | 474.0190% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,810 |
| Noncurrent loans to loans | 0.0789% | 4,820 |
| Net loans and leases to total assets | 93.8099% | 11 |
| Net loans and leases to deposits | 125.9585% | 61 |
| Net loans and leases to core deposits | 129.9347% | 310 |
| Total domestic deposits to total assets | 74.4768% | 5,252 |
| Equity capital to assets | 9.7849% | 4,134 |
| Core capital (leverage) ratio | 9.2494% | 4,436 |
| Tier 1 risk-based capital ratio | 11.4354% | 5,000 |
| Total risk-based capital ratio | 11.8842% | 5,332 |
| Memoranda: | ||
| Average total assets | $6,103,745,670 | 186 |
| Average earning assets | $5,826,625,000 | 178 |
| Average equity | $587,163,670 | 208 |
| Average total loans | $5,755,150,670 | 148 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,493 |
| Cost of funding earning assets | 0.8825% | 310 |
| Net interest margin | 2.6875% | 5,406 |
| Noninterest income to average assets | 0.1043% | 5,575 |
| Noninterest expense to average assets | 1.3594% | 5,714 |
| Loan and lease loss provision to assets | 0.0298% | 3,179 |
| Net operating income to assets | 0.7861% | 3,282 |
| Return on assets (ROA) | 0.7861% | 3,334 |
| Pretax return on assets | 1.2809% | 2,299 |
| Return on Equity (ROE) | 8.2447% | 2,788 |
| Retained earnings to average equity (ytd only) | 5.4620% | 2,624 |
| Net charge-offs to loans | 0.0022% | 2,887 |
| Credit loss provision to net charge-offs | 1,406.2500% | 239 |
| Earnings coverage of net charge-offs (x) | 618.0000% | 87 |
| Efficiency ratio | 50.9110% | 5,332 |
| Assets per employee ($millions) | 16.7485% | 64 |
| Cash dividends to net income (ytd only)* | 33.7521% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3643% | 5,708 |
| Loan loss allowance to noncurrent loans | 463.5841% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,887 |
| Noncurrent loans to loans | 0.0786% | 4,880 |
| Net loans and leases to total assets | 94.2675% | 8 |
| Net loans and leases to deposits | 122.1070% | 76 |
| Net loans and leases to core deposits | 126.4505% | 314 |
| Total domestic deposits to total assets | 77.2008% | 5,092 |
| Equity capital to assets | 9.5341% | 4,252 |
| Core capital (leverage) ratio | 8.8827% | 4,863 |
| Tier 1 risk-based capital ratio | 11.2494% | 5,170 |
| Total risk-based capital ratio | 11.6951% | 5,491 |
| Memoranda: | ||
| Average total assets | $6,035,000,000 | 187 |
| Average earning assets | $5,761,977,500 | 179 |
| Average equity | $575,397,000 | 210 |
| Average total loans | $5,694,285,500 | 150 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,204 |
| Cost of funding earning assets | 0.8964% | 306 |
| Net interest margin | 2.8032% | 5,279 |
| Noninterest income to average assets | 1.3540% | 625 |
| Noninterest expense to average assets | 1.4880% | 5,725 |
| Loan and lease loss provision to assets | 0.0380% | 3,613 |
| Net operating income to assets | 1.3521% | 1,093 |
| Return on assets (ROA) | 1.3521% | 1,151 |
| Pretax return on assets | 2.4870% | 208 |
| Return on Equity (ROE) | 13.9980% | 774 |
| Retained earnings to average equity (ytd only) | 11.7652% | 236 |
| Net charge-offs to loans | 0.0018% | 4,214 |
| Credit loss provision to net charge-offs | 2,206.2500% | 196 |
| Earnings coverage of net charge-offs (x) | 1,464.9063% | 40 |
| Efficiency ratio | 37.0798% | 5,816 |
| Assets per employee ($millions) | 16.6860% | 65 |
| Cash dividends to net income (ytd only)* | 15.9511% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3643% | 5,762 |
| Loan loss allowance to noncurrent loans | 281.0840% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,737 |
| Noncurrent loans to loans | 0.1296% | 4,716 |
| Net loans and leases to total assets | 93.7499% | 12 |
| Net loans and leases to deposits | 123.4975% | 64 |
| Net loans and leases to core deposits | 130.5300% | 278 |
| Total domestic deposits to total assets | 75.9124% | 5,247 |
| Equity capital to assets | 9.5346% | 4,234 |
| Core capital (leverage) ratio | 8.9518% | 4,793 |
| Tier 1 risk-based capital ratio | 11.5971% | 4,989 |
| Total risk-based capital ratio | 12.0543% | 5,337 |
| Memoranda: | ||
| Average total assets | $5,569,441,000 | 188 |
| Average earning assets | $5,283,074,200 | 182 |
| Average equity | $537,967,800 | 207 |
| Average total loans | $5,217,825,600 | 157 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 4,243 |
| Cost of funding earning assets | 0.8930% | 306 |
| Net interest margin | 2.8102% | 5,343 |
| Noninterest income to average assets | 1.7980% | 406 |
| Noninterest expense to average assets | 1.3048% | 5,866 |
| Loan and lease loss provision to assets | 0.0388% | 3,465 |
| Net operating income to assets | 1.8027% | 489 |
| Return on assets (ROA) | 1.8027% | 517 |
| Pretax return on assets | 3.1161% | 111 |
| Return on Equity (ROE) | 18.5967% | 323 |
| Retained earnings to average equity (ytd only) | 15.5738% | 116 |
| Net charge-offs to loans | 0.0014% | 3,896 |
| Credit loss provision to net charge-offs | 2,942.5926% | 172 |
| Earnings coverage of net charge-offs (x) | 2,394.2735% | 26 |
| Efficiency ratio | 29.2586% | 5,938 |
| Assets per employee ($millions) | 15.9087% | 67 |
| Cash dividends to net income (ytd only)* | 16.2552% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3652% | 5,821 |
| Loan loss allowance to noncurrent loans | 331.9371% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,922 |
| Noncurrent loans to loans | 0.1100% | 4,903 |
| Net loans and leases to total assets | 94.2042% | 6 |
| Net loans and leases to deposits | 126.2768% | 65 |
| Net loans and leases to core deposits | 132.6682% | 268 |
| Total domestic deposits to total assets | 74.6013% | 5,375 |
| Equity capital to assets | 9.5187% | 4,642 |
| Core capital (leverage) ratio | 9.0375% | 4,789 |
| Tier 1 risk-based capital ratio | 11.2213% | 5,247 |
| Total risk-based capital ratio | 11.6672% | 5,581 |
| Memoranda: | ||
| Average total assets | $5,464,229,500 | 189 |
| Average earning assets | $5,175,464,250 | 183 |
| Average equity | $529,672,250 | 207 |
| Average total loans | $5,113,176,500 | 157 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,129 |
| Cost of funding earning assets | 0.8798% | 320 |
| Net interest margin | 2.8696% | 5,315 |
| Noninterest income to average assets | 2.6837% | 236 |
| Noninterest expense to average assets | 1.3264% | 5,932 |
| Loan and lease loss provision to assets | 0.0157% | 3,798 |
| Net operating income to assets | 2.3425% | 190 |
| Return on assets (ROA) | 2.3425% | 200 |
| Pretax return on assets | 4.0543% | 67 |
| Return on Equity (ROE) | 24.0096% | 106 |
| Retained earnings to average equity (ytd only) | 20.9422% | 51 |
| Net charge-offs to loans | 0.0010% | 3,669 |
| Credit loss provision to net charge-offs | 1,619.2308% | 249 |
| Earnings coverage of net charge-offs (x) | 4,187.5000% | 7 |
| Efficiency ratio | 24.5799% | 6,030 |
| Assets per employee ($millions) | 14.7665% | 81 |
| Cash dividends to net income (ytd only)* | 12.7761% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3630% | 5,904 |
| Loan loss allowance to noncurrent loans | 213.3236% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 4,759 |
| Noncurrent loans to loans | 0.1702% | 4,754 |
| Net loans and leases to total assets | 93.7297% | 12 |
| Net loans and leases to deposits | 132.1281% | 34 |
| Net loans and leases to core deposits | 139.0863% | 196 |
| Total domestic deposits to total assets | 70.9385% | 5,731 |
| Equity capital to assets | 9.8183% | 4,427 |
| Core capital (leverage) ratio | 9.1268% | 4,683 |
| Tier 1 risk-based capital ratio | 11.8184% | 4,961 |
| Total risk-based capital ratio | 12.2694% | 5,334 |
| Memoranda: | ||
| Average total assets | $5,350,085,330 | 192 |
| Average earning assets | $5,057,714,330 | 185 |
| Average equity | $521,990,330 | 212 |
| Average total loans | $4,987,513,330 | 160 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 4,145 |
| Cost of funding earning assets | 0.8617% | 365 |
| Net interest margin | 2.8866% | 5,347 |
| Noninterest income to average assets | 5.3003% | 112 |
| Noninterest expense to average assets | 1.3443% | 5,986 |
| Loan and lease loss provision to assets | -0.0016% | 5,859 |
| Net operating income to assets | 3.8609% | 58 |
| Return on assets (ROA) | 3.8609% | 56 |
| Pretax return on assets | 6.6813% | 39 |
| Return on Equity (ROE) | 39.7037% | 30 |
| Retained earnings to average equity (ytd only) | 36.5712% | 14 |
| Net charge-offs to loans | -0.0016% | 4,104 |
| Credit loss provision to net charge-offs | 105.0000% | 1,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.7539% | 6,108 |
| Assets per employee ($millions) | 16.2683% | 68 |
| Cash dividends to net income (ytd only)* | 7.8899% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3661% | 5,976 |
| Loan loss allowance to noncurrent loans | 300.7799% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 5,036 |
| Noncurrent loans to loans | 0.1217% | 4,986 |
| Net loans and leases to total assets | 91.6246% | 39 |
| Net loans and leases to deposits | 139.1608% | 16 |
| Net loans and leases to core deposits | 146.4912% | 124 |
| Total domestic deposits to total assets | 65.8408% | 5,968 |
| Equity capital to assets | 9.7289% | 4,420 |
| Core capital (leverage) ratio | 9.5687% | 4,080 |
| Tier 1 risk-based capital ratio | 11.4963% | 5,236 |
| Total risk-based capital ratio | 11.9332% | 5,583 |
| Memoranda: | ||
| Average total assets | $5,256,416,500 | 192 |
| Average earning assets | $4,959,922,500 | 189 |
| Average equity | $511,146,000 | 214 |
| Average total loans | $4,876,711,500 | 162 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 3,453 |
| Cost of funding earning assets | 0.9415% | 234 |
| Net interest margin | 3.0222% | 5,082 |
| Noninterest income to average assets | 0.1464% | 5,680 |
| Noninterest expense to average assets | 1.3087% | 6,072 |
| Loan and lease loss provision to assets | -0.0283% | 5,683 |
| Net operating income to assets | 0.9938% | 2,396 |
| Return on assets (ROA) | 1.0127% | 2,377 |
| Pretax return on assets | 1.7268% | 938 |
| Return on Equity (ROE) | 10.1080% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.7078% | 1,433 |
| Net charge-offs to loans | -0.0309% | 5,409 |
| Credit loss provision to net charge-offs | 98.4456% | 2,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9508% | 5,982 |
| Assets per employee ($millions) | 14.6613% | 88 |
| Cash dividends to net income (ytd only)* | 33.6393% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3942% | 6,001 |
| Loan loss allowance to noncurrent loans | 301.4328% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,991 |
| Noncurrent loans to loans | 0.1308% | 4,967 |
| Net loans and leases to total assets | 93.3010% | 14 |
| Net loans and leases to deposits | 140.9903% | 19 |
| Net loans and leases to core deposits | 147.1621% | 124 |
| Total domestic deposits to total assets | 66.1754% | 6,014 |
| Equity capital to assets | 9.7191% | 4,275 |
| Core capital (leverage) ratio | 9.1702% | 4,661 |
| Tier 1 risk-based capital ratio | 11.5464% | 5,215 |
| Total risk-based capital ratio | 12.0331% | 5,549 |
| Memoranda: | ||
| Average total assets | $4,700,614,200 | 206 |
| Average earning assets | $4,403,545,600 | 196 |
| Average equity | $470,932,200 | 222 |
| Average total loans | $4,369,884,200 | 169 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,328 |
| Cost of funding earning assets | 0.9666% | 207 |
| Net interest margin | 3.0359% | 5,113 |
| Noninterest income to average assets | 0.1513% | 5,731 |
| Noninterest expense to average assets | 1.3159% | 6,146 |
| Loan and lease loss provision to assets | -0.0257% | 5,861 |
| Net operating income to assets | 1.0008% | 2,465 |
| Return on assets (ROA) | 1.0264% | 2,432 |
| Pretax return on assets | 1.7419% | 1,007 |
| Return on Equity (ROE) | 10.1627% | 2,042 |
| Retained earnings to average equity (ytd only) | 6.7329% | 1,818 |
| Net charge-offs to loans | -0.0422% | 5,488 |
| Credit loss provision to net charge-offs | 65.6595% | 2,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9793% | 6,041 |
| Assets per employee ($millions) | 13.0497% | 118 |
| Cash dividends to net income (ytd only)* | 33.7493% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4221% | 6,079 |
| Loan loss allowance to noncurrent loans | 463.2055% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 5,297 |
| Noncurrent loans to loans | 0.0911% | 5,265 |
| Net loans and leases to total assets | 92.8932% | 17 |
| Net loans and leases to deposits | 139.0785% | 21 |
| Net loans and leases to core deposits | 145.6115% | 132 |
| Total domestic deposits to total assets | 66.7919% | 6,073 |
| Equity capital to assets | 9.9575% | 4,213 |
| Core capital (leverage) ratio | 9.3603% | 4,502 |
| Tier 1 risk-based capital ratio | 11.9070% | 5,137 |
| Total risk-based capital ratio | 12.4291% | 5,453 |
| Memoranda: | ||
| Average total assets | $4,622,227,000 | 210 |
| Average earning assets | $4,325,046,000 | 203 |
| Average equity | $466,832,500 | 227 |
| Average total loans | $4,288,161,250 | 170 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 2,959 |
| Cost of funding earning assets | 1.0077% | 175 |
| Net interest margin | 3.0757% | 5,028 |
| Noninterest income to average assets | 0.1462% | 5,831 |
| Noninterest expense to average assets | 1.3054% | 6,225 |
| Loan and lease loss provision to assets | -0.0574% | 6,040 |
| Net operating income to assets | 1.0456% | 2,156 |
| Return on assets (ROA) | 1.0845% | 2,103 |
| Pretax return on assets | 1.8335% | 842 |
| Return on Equity (ROE) | 10.6854% | 1,783 |
| Retained earnings to average equity (ytd only) | 7.2242% | 1,606 |
| Net charge-offs to loans | -0.0648% | 5,638 |
| Credit loss provision to net charge-offs | 95.6108% | 2,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2160% | 6,142 |
| Assets per employee ($millions) | 12.1758% | 143 |
| Cash dividends to net income (ytd only)* | 32.3920% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4308% | 6,148 |
| Loan loss allowance to noncurrent loans | 762.2432% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 5,542 |
| Noncurrent loans to loans | 0.0565% | 5,510 |
| Net loans and leases to total assets | 92.6785% | 19 |
| Net loans and leases to deposits | 139.3106% | 22 |
| Net loans and leases to core deposits | 145.9961% | 128 |
| Total domestic deposits to total assets | 66.5265% | 6,153 |
| Equity capital to assets | 10.1935% | 3,813 |
| Core capital (leverage) ratio | 9.4742% | 4,315 |
| Tier 1 risk-based capital ratio | 12.4422% | 4,845 |
| Total risk-based capital ratio | 12.9857% | 5,230 |
| Memoranda: | ||
| Average total assets | $4,557,852,000 | 213 |
| Average earning assets | $4,259,605,670 | 206 |
| Average equity | $462,613,000 | 229 |
| Average total loans | $4,220,184,330 | 171 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,036 |
| Cost of funding earning assets | 1.0914% | 103 |
| Net interest margin | 2.9607% | 5,312 |
| Noninterest income to average assets | 0.1542% | 5,818 |
| Noninterest expense to average assets | 1.2059% | 6,321 |
| Loan and lease loss provision to assets | -0.0152% | 6,113 |
| Net operating income to assets | 1.0228% | 2,152 |
| Return on assets (ROA) | 1.1014% | 1,971 |
| Pretax return on assets | 1.8514% | 791 |
| Return on Equity (ROE) | 10.8753% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.3800% | 1,821 |
| Net charge-offs to loans | 0.0080% | 3,057 |
| Credit loss provision to net charge-offs | -204.7619% | 4,618 |
| Earnings coverage of net charge-offs (x) | 230.6667% | 243 |
| Efficiency ratio | 41.3080% | 6,240 |
| Assets per employee ($millions) | 11.7990% | 158 |
| Cash dividends to net income (ytd only)* | 32.1397% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4307% | 6,218 |
| Loan loss allowance to noncurrent loans | 224.8983% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 5,155 |
| Noncurrent loans to loans | 0.1915% | 5,099 |
| Net loans and leases to total assets | 92.3411% | 21 |
| Net loans and leases to deposits | 139.9805% | 20 |
| Net loans and leases to core deposits | 147.0096% | 112 |
| Total domestic deposits to total assets | 65.9671% | 6,242 |
| Equity capital to assets | 10.1203% | 3,984 |
| Core capital (leverage) ratio | 9.3514% | 4,494 |
| Tier 1 risk-based capital ratio | 12.4332% | 4,955 |
| Total risk-based capital ratio | 12.9789% | 5,324 |
| Memoranda: | ||
| Average total assets | $4,523,381,000 | 214 |
| Average earning assets | $4,224,501,000 | 205 |
| Average equity | $458,103,000 | 228 |
| Average total loans | $4,176,978,500 | 171 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,561 |
| Cost of funding earning assets | 1.0904% | 143 |
| Net interest margin | 3.2218% | 4,854 |
| Noninterest income to average assets | 0.1773% | 5,794 |
| Noninterest expense to average assets | 1.4030% | 6,352 |
| Loan and lease loss provision to assets | -0.0437% | 6,012 |
| Net operating income to assets | 1.0847% | 2,038 |
| Return on assets (ROA) | 1.0847% | 2,086 |
| Pretax return on assets | 1.8301% | 747 |
| Return on Equity (ROE) | 10.5100% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.4239% | 1,697 |
| Net charge-offs to loans | -0.0054% | 5,469 |
| Credit loss provision to net charge-offs | 883.0189% | 309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9904% | 6,322 |
| Assets per employee ($millions) | 11.8221% | 149 |
| Cash dividends to net income (ytd only)* | 38.8781% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 6,299 |
| Loan loss allowance to noncurrent loans | 194.0300% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 5,090 |
| Noncurrent loans to loans | 0.2314% | 4,998 |
| Net loans and leases to total assets | 91.5230% | 34 |
| Net loans and leases to deposits | 145.9408% | 18 |
| Net loans and leases to core deposits | 152.8164% | 105 |
| Total domestic deposits to total assets | 62.7125% | 6,377 |
| Equity capital to assets | 10.1348% | 3,942 |
| Core capital (leverage) ratio | 9.1958% | 4,684 |
| Tier 1 risk-based capital ratio | 12.3312% | 5,135 |
| Total risk-based capital ratio | 12.8923% | 5,488 |
| Memoranda: | ||
| Average total assets | $4,283,129,000 | 210 |
| Average earning assets | $4,004,315,600 | 202 |
| Average equity | $442,038,000 | 222 |
| Average total loans | $3,958,760,000 | 171 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 2,456 |
| Cost of funding earning assets | 1.0977% | 147 |
| Net interest margin | 3.2427% | 4,818 |
| Noninterest income to average assets | 0.1899% | 5,781 |
| Noninterest expense to average assets | 1.4202% | 6,390 |
| Loan and lease loss provision to assets | -0.0425% | 6,162 |
| Net operating income to assets | 1.0826% | 2,101 |
| Return on assets (ROA) | 1.0826% | 2,170 |
| Pretax return on assets | 1.8458% | 808 |
| Return on Equity (ROE) | 10.4405% | 2,024 |
| Retained earnings to average equity (ytd only) | 6.0493% | 2,378 |
| Net charge-offs to loans | -0.0100% | 5,427 |
| Credit loss provision to net charge-offs | 457.6271% | 622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0577% | 6,364 |
| Assets per employee ($millions) | 11.7152% | 151 |
| Cash dividends to net income (ytd only)* | 42.0589% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4710% | 6,367 |
| Loan loss allowance to noncurrent loans | 123.9486% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 4,803 |
| Noncurrent loans to loans | 0.3800% | 4,772 |
| Net loans and leases to total assets | 92.3516% | 22 |
| Net loans and leases to deposits | 145.2641% | 20 |
| Net loans and leases to core deposits | 150.6908% | 99 |
| Total domestic deposits to total assets | 63.5750% | 6,444 |
| Equity capital to assets | 10.2975% | 3,793 |
| Core capital (leverage) ratio | 9.2502% | 4,709 |
| Tier 1 risk-based capital ratio | 12.2511% | 5,331 |
| Total risk-based capital ratio | 12.8382% | 5,661 |
| Memoranda: | ||
| Average total assets | $4,233,770,500 | 206 |
| Average earning assets | $3,960,729,750 | 201 |
| Average equity | $439,023,750 | 222 |
| Average total loans | $3,918,640,000 | 171 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,528 |
| Cost of funding earning assets | 1.0926% | 153 |
| Net interest margin | 3.2249% | 4,856 |
| Noninterest income to average assets | 0.2048% | 5,729 |
| Noninterest expense to average assets | 1.4620% | 6,440 |
| Loan and lease loss provision to assets | -0.0405% | 6,282 |
| Net operating income to assets | 1.0444% | 2,143 |
| Return on assets (ROA) | 1.0444% | 2,205 |
| Pretax return on assets | 1.8009% | 841 |
| Return on Equity (ROE) | 10.0470% | 2,132 |
| Retained earnings to average equity (ytd only) | 5.0600% | 2,924 |
| Net charge-offs to loans | -0.0170% | 5,486 |
| Credit loss provision to net charge-offs | 258.0547% | 971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3714% | 6,380 |
| Assets per employee ($millions) | 11.2511% | 168 |
| Cash dividends to net income (ytd only)* | 49.6365% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 6,418 |
| Loan loss allowance to noncurrent loans | 131.6856% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 4,917 |
| Noncurrent loans to loans | 0.3751% | 4,872 |
| Net loans and leases to total assets | 92.2714% | 20 |
| Net loans and leases to deposits | 141.8713% | 22 |
| Net loans and leases to core deposits | 146.9686% | 112 |
| Total domestic deposits to total assets | 65.0388% | 6,498 |
| Equity capital to assets | 10.2674% | 3,735 |
| Core capital (leverage) ratio | 9.2028% | 4,732 |
| Tier 1 risk-based capital ratio | 12.2320% | 5,395 |
| Total risk-based capital ratio | 12.8496% | 5,698 |
| Memoranda: | ||
| Average total assets | $4,188,436,000 | 206 |
| Average earning assets | $3,919,166,330 | 201 |
| Average equity | $435,372,670 | 222 |
| Average total loans | $3,873,301,330 | 171 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,471 |
| Cost of funding earning assets | 1.0635% | 196 |
| Net interest margin | 3.2508% | 4,741 |
| Noninterest income to average assets | 0.2790% | 5,131 |
| Noninterest expense to average assets | 1.5027% | 6,496 |
| Loan and lease loss provision to assets | 0.0272% | 3,473 |
| Net operating income to assets | 1.0374% | 2,056 |
| Return on assets (ROA) | 1.0374% | 2,129 |
| Pretax return on assets | 1.7870% | 817 |
| Return on Equity (ROE) | 9.9170% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.9142% | 989 |
| Net charge-offs to loans | 0.0005% | 3,656 |
| Credit loss provision to net charge-offs | 5,620.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 3,754.6000% | 2 |
| Efficiency ratio | 45.3049% | 6,449 |
| Assets per employee ($millions) | 11.2547% | 171 |
| Cash dividends to net income (ytd only)* | 0.0279% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5178% | 6,490 |
| Loan loss allowance to noncurrent loans | 132.0129% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 5,001 |
| Noncurrent loans to loans | 0.3922% | 4,956 |
| Net loans and leases to total assets | 92.0161% | 13 |
| Net loans and leases to deposits | 142.5934% | 22 |
| Net loans and leases to core deposits | 147.7266% | 102 |
| Total domestic deposits to total assets | 64.5304% | 6,578 |
| Equity capital to assets | 10.2867% | 3,491 |
| Core capital (leverage) ratio | 9.2210% | 4,692 |
| Tier 1 risk-based capital ratio | 12.4747% | 5,329 |
| Total risk-based capital ratio | 13.1320% | 5,643 |
| Memoranda: | ||
| Average total assets | $4,139,325,000 | 209 |
| Average earning assets | $3,868,072,000 | 202 |
| Average equity | $432,995,500 | 222 |
| Average total loans | $3,822,456,500 | 171 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 1,469 |
| Cost of funding earning assets | 1.1424% | 230 |
| Net interest margin | 3.5992% | 3,470 |
| Noninterest income to average assets | 0.1622% | 6,120 |
| Noninterest expense to average assets | 1.5529% | 6,540 |
| Loan and lease loss provision to assets | 0.0093% | 4,936 |
| Net operating income to assets | 1.1616% | 1,716 |
| Return on assets (ROA) | 1.1616% | 1,774 |
| Pretax return on assets | 1.9570% | 531 |
| Return on Equity (ROE) | 10.5271% | 1,917 |
| Retained earnings to average equity (ytd only) | -1.9371% | 6,169 |
| Net charge-offs to loans | 0.0212% | 5,010 |
| Credit loss provision to net charge-offs | 48.1723% | 3,856 |
| Earnings coverage of net charge-offs (x) | 101.7402% | 462 |
| Efficiency ratio | 44.1268% | 6,614 |
| Assets per employee ($millions) | 10.4781% | 202 |
| Cash dividends to net income (ytd only)* | 118.4014% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 6,532 |
| Loan loss allowance to noncurrent loans | 160.5945% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 5,262 |
| Noncurrent loans to loans | 0.3392% | 5,171 |
| Net loans and leases to total assets | 91.6832% | 20 |
| Net loans and leases to deposits | 139.4771% | 25 |
| Net loans and leases to core deposits | 143.7634% | 122 |
| Total domestic deposits to total assets | 65.7335% | 6,636 |
| Equity capital to assets | 10.6453% | 2,980 |
| Core capital (leverage) ratio | 9.5192% | 4,233 |
| Tier 1 risk-based capital ratio | 12.6429% | 5,205 |
| Total risk-based capital ratio | 13.3550% | 5,493 |
| Memoranda: | ||
| Average total assets | $3,963,479,200 | 209 |
| Average earning assets | $3,696,722,000 | 201 |
| Average equity | $437,346,400 | 216 |
| Average total loans | $3,605,750,800 | 171 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 1,305 |
| Cost of funding earning assets | 1.1562% | 238 |
| Net interest margin | 3.6627% | 3,184 |
| Noninterest income to average assets | 0.1632% | 6,207 |
| Noninterest expense to average assets | 1.5653% | 6,585 |
| Loan and lease loss provision to assets | 0.0143% | 4,717 |
| Net operating income to assets | 1.1851% | 1,680 |
| Return on assets (ROA) | 1.1851% | 1,753 |
| Pretax return on assets | 1.9994% | 579 |
| Return on Equity (ROE) | 10.6450% | 1,943 |
| Retained earnings to average equity (ytd only) | 5.4138% | 2,788 |
| Net charge-offs to loans | 0.0162% | 4,806 |
| Credit loss provision to net charge-offs | 97.7011% | 2,445 |
| Earnings coverage of net charge-offs (x) | 137.1805% | 396 |
| Efficiency ratio | 43.7351% | 6,663 |
| Assets per employee ($millions) | 10.5059% | 199 |
| Cash dividends to net income (ytd only)* | 49.1429% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 6,609 |
| Loan loss allowance to noncurrent loans | 200.6447% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 5,609 |
| Noncurrent loans to loans | 0.2790% | 5,533 |
| Net loans and leases to total assets | 91.1500% | 25 |
| Net loans and leases to deposits | 133.3709% | 30 |
| Net loans and leases to core deposits | 137.3074% | 132 |
| Total domestic deposits to total assets | 68.3433% | 6,656 |
| Equity capital to assets | 11.2397% | 2,523 |
| Core capital (leverage) ratio | 10.2358% | 3,351 |
| Tier 1 risk-based capital ratio | 13.3480% | 4,872 |
| Total risk-based capital ratio | 14.0668% | 5,185 |
| Memoranda: | ||
| Average total assets | $3,951,066,750 | 206 |
| Average earning assets | $3,684,684,000 | 198 |
| Average equity | $439,880,750 | 212 |
| Average total loans | $3,582,308,750 | 168 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 1,089 |
| Cost of funding earning assets | 1.1724% | 236 |
| Net interest margin | 3.7292% | 2,852 |
| Noninterest income to average assets | 0.1584% | 6,259 |
| Noninterest expense to average assets | 1.5822% | 6,604 |
| Loan and lease loss provision to assets | 0.0094% | 4,676 |
| Net operating income to assets | 1.2156% | 1,550 |
| Return on assets (ROA) | 1.2156% | 1,655 |
| Pretax return on assets | 2.0445% | 551 |
| Return on Equity (ROE) | 10.9538% | 1,825 |
| Retained earnings to average equity (ytd only) | 6.3696% | 2,218 |
| Net charge-offs to loans | 0.0131% | 4,588 |
| Credit loss provision to net charge-offs | 79.3991% | 2,635 |
| Earnings coverage of net charge-offs (x) | 173.3820% | 287 |
| Efficiency ratio | 43.5135% | 6,721 |
| Assets per employee ($millions) | 10.3379% | 201 |
| Cash dividends to net income (ytd only)* | 41.8503% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5684% | 6,648 |
| Loan loss allowance to noncurrent loans | 195.6111% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 5,566 |
| Noncurrent loans to loans | 0.2906% | 5,570 |
| Net loans and leases to total assets | 91.0569% | 27 |
| Net loans and leases to deposits | 132.1697% | 36 |
| Net loans and leases to core deposits | 136.2765% | 154 |
| Total domestic deposits to total assets | 68.8939% | 6,695 |
| Equity capital to assets | 11.2874% | 2,482 |
| Core capital (leverage) ratio | 10.2677% | 3,140 |
| Tier 1 risk-based capital ratio | 13.2021% | 4,992 |
| Total risk-based capital ratio | 13.9264% | 5,315 |
| Memoranda: | ||
| Average total assets | $3,933,838,670 | 207 |
| Average earning assets | $3,668,479,670 | 197 |
| Average equity | $436,542,330 | 213 |
| Average total loans | $3,553,395,670 | 167 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 1,237 |
| Cost of funding earning assets | 1.1776% | 250 |
| Net interest margin | 3.6491% | 3,077 |
| Noninterest income to average assets | 0.1548% | 6,334 |
| Noninterest expense to average assets | 1.6362% | 6,638 |
| Loan and lease loss provision to assets | 0.0160% | 4,259 |
| Net operating income to assets | 1.1325% | 1,735 |
| Return on assets (ROA) | 1.1325% | 1,854 |
| Pretax return on assets | 1.9097% | 718 |
| Return on Equity (ROE) | 10.2940% | 1,958 |
| Retained earnings to average equity (ytd only) | 5.6672% | 2,854 |
| Net charge-offs to loans | 0.0201% | 3,756 |
| Credit loss provision to net charge-offs | 88.7006% | 2,045 |
| Earnings coverage of net charge-offs (x) | 106.9266% | 357 |
| Efficiency ratio | 45.9365% | 6,696 |
| Assets per employee ($millions) | 10.3925% | 196 |
| Cash dividends to net income (ytd only)* | 44.9465% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 6,731 |
| Loan loss allowance to noncurrent loans | 237.9186% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 5,808 |
| Noncurrent loans to loans | 0.2433% | 5,807 |
| Net loans and leases to total assets | 88.8250% | 56 |
| Net loans and leases to deposits | 128.6787% | 39 |
| Net loans and leases to core deposits | 132.4666% | 161 |
| Total domestic deposits to total assets | 69.0285% | 6,783 |
| Equity capital to assets | 10.9864% | 2,971 |
| Core capital (leverage) ratio | 9.9673% | 3,428 |
| Tier 1 risk-based capital ratio | 13.0311% | 5,194 |
| Total risk-based capital ratio | 13.7664% | 5,516 |
| Memoranda: | ||
| Average total assets | $3,931,387,500 | 209 |
| Average earning assets | $3,670,632,000 | 201 |
| Average equity | $432,522,000 | 218 |
| Average total loans | $3,526,595,500 | 169 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 913 |
| Cost of funding earning assets | 1.4269% | 228 |
| Net interest margin | 3.8821% | 2,909 |
| Noninterest income to average assets | 0.5482% | 3,596 |
| Noninterest expense to average assets | 2.2718% | 5,763 |
| Loan and lease loss provision to assets | 0.0994% | 4,399 |
| Net operating income to assets | 1.0782% | 2,013 |
| Return on assets (ROA) | 1.0767% | 2,215 |
| Pretax return on assets | 1.8049% | 910 |
| Return on Equity (ROE) | 10.1195% | 2,119 |
| Retained earnings to average equity (ytd only) | 5.3496% | 2,469 |
| Net charge-offs to loans | 0.1086% | 4,579 |
| Credit loss provision to net charge-offs | 105.7729% | 2,813 |
| Earnings coverage of net charge-offs (x) | 20.2808% | 1,360 |
| Efficiency ratio | 54.3708% | 6,231 |
| Assets per employee ($millions) | 10.0331% | 231 |
| Cash dividends to net income (ytd only)* | 47.1360% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 6,776 |
| Loan loss allowance to noncurrent loans | 213.2406% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 5,874 |
| Noncurrent loans to loans | 0.2748% | 5,793 |
| Net loans and leases to total assets | 89.5443% | 63 |
| Net loans and leases to deposits | 135.0971% | 36 |
| Net loans and leases to core deposits | 139.3568% | 132 |
| Total domestic deposits to total assets | 66.2814% | 6,892 |
| Equity capital to assets | 11.0175% | 2,928 |
| Core capital (leverage) ratio | 9.9820% | 3,426 |
| Tier 1 risk-based capital ratio | 12.9777% | 5,121 |
| Total risk-based capital ratio | 13.7243% | 5,449 |
| Memoranda: | ||
| Average total assets | $3,943,253,600 | 209 |
| Average earning assets | $3,687,315,600 | 198 |
| Average equity | $419,567,000 | 225 |
| Average total loans | $3,413,964,000 | 167 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 876 |
| Cost of funding earning assets | 1.5992% | 126 |
| Net interest margin | 3.7758% | 3,439 |
| Noninterest income to average assets | 0.2146% | 6,003 |
| Noninterest expense to average assets | 1.5669% | 6,901 |
| Loan and lease loss provision to assets | 0.1300% | 3,927 |
| Net operating income to assets | 1.2023% | 1,726 |
| Return on assets (ROA) | 1.1984% | 1,920 |
| Pretax return on assets | 2.0424% | 642 |
| Return on Equity (ROE) | 11.3624% | 1,834 |
| Retained earnings to average equity (ytd only) | 6.5662% | 2,347 |
| Net charge-offs to loans | 0.1376% | 4,014 |
| Credit loss provision to net charge-offs | 110.2286% | 2,663 |
| Earnings coverage of net charge-offs (x) | 18.4674% | 1,560 |
| Efficiency ratio | 41.8343% | 6,971 |
| Assets per employee ($millions) | 10.1570% | 223 |
| Cash dividends to net income (ytd only)* | 42.2111% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 6,838 |
| Loan loss allowance to noncurrent loans | 153.0508% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 5,826 |
| Noncurrent loans to loans | 0.4065% | 5,640 |
| Net loans and leases to total assets | 83.8812% | 234 |
| Net loans and leases to deposits | 129.8924% | 46 |
| Net loans and leases to core deposits | 134.0677% | 164 |
| Total domestic deposits to total assets | 64.5774% | 7,003 |
| Equity capital to assets | 10.8429% | 3,451 |
| Core capital (leverage) ratio | 9.8292% | 3,779 |
| Tier 1 risk-based capital ratio | 14.0238% | 4,501 |
| Total risk-based capital ratio | 14.8543% | 4,772 |
| Memoranda: | ||
| Average total assets | $3,955,856,500 | 209 |
| Average earning assets | $3,699,229,750 | 200 |
| Average equity | $417,235,750 | 229 |
| Average total loans | $3,390,863,000 | 167 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4916% | 733 |
| Cost of funding earning assets | 1.7001% | 104 |
| Net interest margin | 3.7915% | 3,401 |
| Noninterest income to average assets | 0.2112% | 6,051 |
| Noninterest expense to average assets | 1.5793% | 6,950 |
| Loan and lease loss provision to assets | 0.1884% | 3,212 |
| Net operating income to assets | 1.1688% | 1,819 |
| Return on assets (ROA) | 1.1630% | 2,040 |
| Pretax return on assets | 1.9790% | 719 |
| Return on Equity (ROE) | 11.1299% | 1,946 |
| Retained earnings to average equity (ytd only) | 8.7108% | 1,372 |
| Net charge-offs to loans | 0.2194% | 3,252 |
| Credit loss provision to net charge-offs | 99.7061% | 2,784 |
| Earnings coverage of net charge-offs (x) | 11.5164% | 1,954 |
| Efficiency ratio | 42.0478% | 7,018 |
| Assets per employee ($millions) | 9.7870% | 244 |
| Cash dividends to net income (ytd only)* | 21.7350% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6038% | 6,930 |
| Loan loss allowance to noncurrent loans | 126.8994% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 5,750 |
| Noncurrent loans to loans | 0.4758% | 5,578 |
| Net loans and leases to total assets | 86.2043% | 131 |
| Net loans and leases to deposits | 135.0785% | 34 |
| Net loans and leases to core deposits | 139.4878% | 152 |
| Total domestic deposits to total assets | 63.8179% | 7,088 |
| Equity capital to assets | 10.9653% | 3,157 |
| Core capital (leverage) ratio | 9.9312% | 3,513 |
| Tier 1 risk-based capital ratio | 13.5637% | 4,773 |
| Total risk-based capital ratio | 14.3558% | 5,093 |
| Memoranda: | ||
| Average total assets | $3,960,837,330 | 209 |
| Average earning assets | $3,702,994,670 | 197 |
| Average equity | $413,877,670 | 229 |
| Average total loans | $3,412,357,330 | 165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 630 |
| Cost of funding earning assets | 1.9095% | 58 |
| Net interest margin | 3.6869% | 3,892 |
| Noninterest income to average assets | 0.1537% | 6,475 |
| Noninterest expense to average assets | 1.5997% | 6,974 |
| Loan and lease loss provision to assets | 0.1454% | 3,543 |
| Net operating income to assets | 1.0946% | 2,113 |
| Return on assets (ROA) | 1.0829% | 2,340 |
| Pretax return on assets | 1.8383% | 1,002 |
| Return on Equity (ROE) | 10.6167% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.7222% | 3,132 |
| Net charge-offs to loans | 0.2630% | 2,617 |
| Credit loss provision to net charge-offs | 64.3836% | 3,027 |
| Earnings coverage of net charge-offs (x) | 8.8643% | 1,908 |
| Efficiency ratio | 44.4167% | 6,971 |
| Assets per employee ($millions) | 10.0927% | 228 |
| Cash dividends to net income (ytd only)* | 46.1021% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5691% | 7,013 |
| Loan loss allowance to noncurrent loans | 88.4146% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 5,503 |
| Noncurrent loans to loans | 0.6437% | 5,353 |
| Net loans and leases to total assets | 84.8901% | 157 |
| Net loans and leases to deposits | 135.5528% | 34 |
| Net loans and leases to core deposits | 140.0809% | 147 |
| Total domestic deposits to total assets | 62.6251% | 7,162 |
| Equity capital to assets | 10.2906% | 3,738 |
| Core capital (leverage) ratio | 9.2832% | 4,390 |
| Tier 1 risk-based capital ratio | 12.2731% | 5,779 |
| Total risk-based capital ratio | 12.9249% | 6,151 |
| Memoranda: | ||
| Average total assets | $4,008,320,000 | 205 |
| Average earning assets | $3,748,430,000 | 192 |
| Average equity | $408,863,500 | 228 |
| Average total loans | $3,442,140,500 | 163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 1,135 |
| Cost of funding earning assets | 1.7120% | 308 |
| Net interest margin | 3.8020% | 3,806 |
| Noninterest income to average assets | 0.2094% | 6,020 |
| Noninterest expense to average assets | 1.5106% | 7,161 |
| Loan and lease loss provision to assets | 0.1688% | 4,529 |
| Net operating income to assets | 1.2427% | 1,397 |
| Return on assets (ROA) | 1.2312% | 1,528 |
| Pretax return on assets | 2.0663% | 470 |
| Return on Equity (ROE) | 12.7579% | 1,216 |
| Retained earnings to average equity (ytd only) | 7.6441% | 1,208 |
| Net charge-offs to loans | 0.1717% | 4,782 |
| Credit loss provision to net charge-offs | 115.5443% | 2,823 |
| Earnings coverage of net charge-offs (x) | 15.4199% | 1,393 |
| Efficiency ratio | 40.1362% | 7,211 |
| Assets per employee ($millions) | 10.4423% | 205 |
| Cash dividends to net income (ytd only)* | 40.0833% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 7,022 |
| Loan loss allowance to noncurrent loans | 61.8866% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 4,979 |
| Noncurrent loans to loans | 0.9562% | 4,790 |
| Net loans and leases to total assets | 85.8623% | 134 |
| Net loans and leases to deposits | 141.8752% | 38 |
| Net loans and leases to core deposits | 146.5098% | 145 |
| Total domestic deposits to total assets | 60.5196% | 7,218 |
| Equity capital to assets | 10.1102% | 4,024 |
| Core capital (leverage) ratio | 9.1057% | 4,606 |
| Tier 1 risk-based capital ratio | 11.5575% | 6,126 |
| Total risk-based capital ratio | 12.2385% | 6,444 |
| Memoranda: | ||
| Average total assets | $4,054,946,600 | 198 |
| Average earning assets | $3,790,747,000 | 188 |
| Average equity | $391,335,000 | 226 |
| Average total loans | $3,450,483,200 | 164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5665% | 1,104 |
| Cost of funding earning assets | 1.7455% | 320 |
| Net interest margin | 3.8210% | 3,762 |
| Noninterest income to average assets | 0.2111% | 6,106 |
| Noninterest expense to average assets | 1.5300% | 7,207 |
| Loan and lease loss provision to assets | 0.1739% | 4,293 |
| Net operating income to assets | 1.2137% | 1,617 |
| Return on assets (ROA) | 1.1991% | 1,768 |
| Pretax return on assets | 2.0564% | 560 |
| Return on Equity (ROE) | 12.5719% | 1,393 |
| Retained earnings to average equity (ytd only) | 7.4119% | 1,767 |
| Net charge-offs to loans | 0.1184% | 4,841 |
| Credit loss provision to net charge-offs | 173.2528% | 1,724 |
| Earnings coverage of net charge-offs (x) | 22.4419% | 1,151 |
| Efficiency ratio | 40.4424% | 7,248 |
| Assets per employee ($millions) | 10.5677% | 212 |
| Cash dividends to net income (ytd only)* | 41.0441% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6352% | 7,041 |
| Loan loss allowance to noncurrent loans | 101.1404% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 5,756 |
| Noncurrent loans to loans | 0.6280% | 5,629 |
| Net loans and leases to total assets | 84.7687% | 176 |
| Net loans and leases to deposits | 137.2819% | 40 |
| Net loans and leases to core deposits | 141.8276% | 173 |
| Total domestic deposits to total assets | 61.7479% | 7,281 |
| Equity capital to assets | 9.9340% | 4,432 |
| Core capital (leverage) ratio | 8.8378% | 5,201 |
| Tier 1 risk-based capital ratio | 11.4902% | 6,247 |
| Total risk-based capital ratio | 12.2305% | 6,531 |
| Memoranda: | ||
| Average total assets | $4,066,220,250 | 196 |
| Average earning assets | $3,801,449,000 | 186 |
| Average equity | $387,818,000 | 227 |
| Average total loans | $3,447,242,000 | 160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6280% | 1,025 |
| Cost of funding earning assets | 1.7764% | 346 |
| Net interest margin | 3.8516% | 3,525 |
| Noninterest income to average assets | 0.2040% | 6,208 |
| Noninterest expense to average assets | 1.5550% | 7,278 |
| Loan and lease loss provision to assets | 0.1514% | 4,416 |
| Net operating income to assets | 1.2329% | 1,483 |
| Return on assets (ROA) | 1.2129% | 1,616 |
| Pretax return on assets | 2.0702% | 514 |
| Return on Equity (ROE) | 12.8938% | 1,223 |
| Retained earnings to average equity (ytd only) | 7.6792% | 1,590 |
| Net charge-offs to loans | 0.1689% | 4,167 |
| Credit loss provision to net charge-offs | 105.9712% | 2,909 |
| Earnings coverage of net charge-offs (x) | 15.7697% | 1,388 |
| Efficiency ratio | 40.8363% | 7,322 |
| Assets per employee ($millions) | 9.8322% | 250 |
| Cash dividends to net income (ytd only)* | 40.4430% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5769% | 7,166 |
| Loan loss allowance to noncurrent loans | 104.1836% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 5,992 |
| Noncurrent loans to loans | 0.5538% | 5,810 |
| Net loans and leases to total assets | 83.4041% | 278 |
| Net loans and leases to deposits | 135.2801% | 45 |
| Net loans and leases to core deposits | 139.5640% | 189 |
| Total domestic deposits to total assets | 61.6529% | 7,353 |
| Equity capital to assets | 9.6217% | 4,631 |
| Core capital (leverage) ratio | 8.5286% | 5,509 |
| Tier 1 risk-based capital ratio | 12.3538% | 5,474 |
| Total risk-based capital ratio | 13.0917% | 5,882 |
| Memoranda: | ||
| Average total assets | $4,079,529,670 | 198 |
| Average earning assets | $3,817,095,670 | 190 |
| Average equity | $383,766,330 | 229 |
| Average total loans | $3,451,372,000 | 163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 1,114 |
| Cost of funding earning assets | 1.7790% | 409 |
| Net interest margin | 3.7935% | 3,648 |
| Noninterest income to average assets | 0.1845% | 6,404 |
| Noninterest expense to average assets | 1.6420% | 7,276 |
| Loan and lease loss provision to assets | 0.1398% | 4,259 |
| Net operating income to assets | 1.1537% | 1,653 |
| Return on assets (ROA) | 1.1498% | 1,716 |
| Pretax return on assets | 1.9458% | 613 |
| Return on Equity (ROE) | 12.3633% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.0879% | 2,109 |
| Net charge-offs to loans | 0.1132% | 3,851 |
| Credit loss provision to net charge-offs | 145.3619% | 1,948 |
| Earnings coverage of net charge-offs (x) | 21.7452% | 1,072 |
| Efficiency ratio | 43.9767% | 7,281 |
| Assets per employee ($millions) | 10.2235% | 227 |
| Cash dividends to net income (ytd only)* | 42.6695% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 7,228 |
| Loan loss allowance to noncurrent loans | 86.2070% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 5,851 |
| Noncurrent loans to loans | 0.6715% | 5,687 |
| Net loans and leases to total assets | 83.2418% | 260 |
| Net loans and leases to deposits | 136.3644% | 45 |
| Net loans and leases to core deposits | 140.2298% | 192 |
| Total domestic deposits to total assets | 61.0436% | 7,419 |
| Equity capital to assets | 9.2769% | 4,770 |
| Core capital (leverage) ratio | 8.2067% | 5,961 |
| Tier 1 risk-based capital ratio | 11.5568% | 6,060 |
| Total risk-based capital ratio | 12.2751% | 6,477 |
| Memoranda: | ||
| Average total assets | $4,079,114,500 | 196 |
| Average earning assets | $3,816,576,000 | 190 |
| Average equity | $379,349,000 | 226 |
| Average total loans | $3,465,590,500 | 164 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 1,579 |
| Cost of funding earning assets | 1.9621% | 692 |
| Net interest margin | 3.7349% | 4,206 |
| Noninterest income to average assets | 0.2313% | 6,149 |
| Noninterest expense to average assets | 1.5220% | 7,437 |
| Loan and lease loss provision to assets | 0.2777% | 4,587 |
| Net operating income to assets | 1.1351% | 1,595 |
| Return on assets (ROA) | 1.0958% | 1,798 |
| Pretax return on assets | 1.8560% | 676 |
| Return on Equity (ROE) | 12.1938% | 1,282 |
| Retained earnings to average equity (ytd only) | 5.5752% | 2,076 |
| Net charge-offs to loans | 0.4006% | 4,034 |
| Credit loss provision to net charge-offs | 81.1071% | 5,521 |
| Earnings coverage of net charge-offs (x) | 6.4117% | 2,366 |
| Efficiency ratio | 40.9471% | 7,491 |
| Assets per employee ($millions) | 10.3546% | 230 |
| Cash dividends to net income (ytd only)* | 54.2779% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 7,307 |
| Loan loss allowance to noncurrent loans | 68.6614% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 5,584 |
| Noncurrent loans to loans | 0.8208% | 5,409 |
| Net loans and leases to total assets | 85.7377% | 198 |
| Net loans and leases to deposits | 142.2187% | 43 |
| Net loans and leases to core deposits | 146.0973% | 188 |
| Total domestic deposits to total assets | 60.2858% | 7,503 |
| Equity capital to assets | 9.3232% | 4,656 |
| Core capital (leverage) ratio | 8.2252% | 5,794 |
| Tier 1 risk-based capital ratio | 11.2467% | 6,134 |
| Total risk-based capital ratio | 11.9473% | 6,540 |
| Memoranda: | ||
| Average total assets | $4,036,998,600 | 199 |
| Average earning assets | $3,767,577,200 | 191 |
| Average equity | $362,800,600 | 225 |
| Average total loans | $3,449,654,800 | 161 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 1,700 |
| Cost of funding earning assets | 2.0067% | 739 |
| Net interest margin | 3.6967% | 4,413 |
| Noninterest income to average assets | 0.2397% | 6,174 |
| Noninterest expense to average assets | 1.5171% | 7,542 |
| Loan and lease loss provision to assets | 0.2624% | 4,482 |
| Net operating income to assets | 1.1414% | 1,761 |
| Return on assets (ROA) | 1.0925% | 2,018 |
| Pretax return on assets | 1.8324% | 868 |
| Return on Equity (ROE) | 12.2716% | 1,435 |
| Retained earnings to average equity (ytd only) | 3.3702% | 4,077 |
| Net charge-offs to loans | 0.4882% | 3,320 |
| Credit loss provision to net charge-offs | 63.0293% | 5,614 |
| Earnings coverage of net charge-offs (x) | 5.2159% | 2,810 |
| Efficiency ratio | 41.1348% | 7,552 |
| Assets per employee ($millions) | 10.0087% | 261 |
| Cash dividends to net income (ytd only)* | 72.5369% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5113% | 7,444 |
| Loan loss allowance to noncurrent loans | 89.4076% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 6,189 |
| Noncurrent loans to loans | 0.5719% | 6,061 |
| Net loans and leases to total assets | 85.5942% | 235 |
| Net loans and leases to deposits | 137.2127% | 52 |
| Net loans and leases to core deposits | 141.1799% | 247 |
| Total domestic deposits to total assets | 62.3807% | 7,551 |
| Equity capital to assets | 9.1624% | 5,364 |
| Core capital (leverage) ratio | 8.0155% | 6,329 |
| Tier 1 risk-based capital ratio | 10.4677% | 6,797 |
| Total risk-based capital ratio | 11.0759% | 7,137 |
| Memoranda: | ||
| Average total assets | $4,039,268,000 | 198 |
| Average earning assets | $3,768,055,750 | 191 |
| Average equity | $359,617,500 | 222 |
| Average total loans | $3,443,813,500 | 159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6939% | 1,791 |
| Cost of funding earning assets | 2.0433% | 788 |
| Net interest margin | 3.6506% | 4,576 |
| Noninterest income to average assets | 0.2314% | 6,258 |
| Noninterest expense to average assets | 1.5374% | 7,600 |
| Loan and lease loss provision to assets | 0.3589% | 3,556 |
| Net operating income to assets | 1.0673% | 1,957 |
| Return on assets (ROA) | 1.0460% | 2,100 |
| Pretax return on assets | 1.7052% | 1,046 |
| Return on Equity (ROE) | 11.8621% | 1,486 |
| Retained earnings to average equity (ytd only) | 5.1516% | 2,815 |
| Net charge-offs to loans | 0.3358% | 3,653 |
| Credit loss provision to net charge-offs | 125.7079% | 3,212 |
| Earnings coverage of net charge-offs (x) | 7.3467% | 2,313 |
| Efficiency ratio | 42.2985% | 7,575 |
| Assets per employee ($millions) | 10.4678% | 221 |
| Cash dividends to net income (ytd only)* | 56.5707% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 7,278 |
| Loan loss allowance to noncurrent loans | 126.6667% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 6,298 |
| Noncurrent loans to loans | 0.5394% | 6,173 |
| Net loans and leases to total assets | 83.2320% | 412 |
| Net loans and leases to deposits | 136.4356% | 58 |
| Net loans and leases to core deposits | 140.2300% | 286 |
| Total domestic deposits to total assets | 61.0046% | 7,642 |
| Equity capital to assets | 8.8092% | 5,739 |
| Core capital (leverage) ratio | 7.7005% | 6,608 |
| Tier 1 risk-based capital ratio | 11.0325% | 6,206 |
| Total risk-based capital ratio | 11.9005% | 6,561 |
| Memoranda: | ||
| Average total assets | $4,057,870,330 | 198 |
| Average earning assets | $3,782,989,000 | 192 |
| Average equity | $357,829,330 | 223 |
| Average total loans | $3,449,373,670 | 156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 1,736 |
| Cost of funding earning assets | 2.0322% | 994 |
| Net interest margin | 3.6785% | 4,355 |
| Noninterest income to average assets | 0.2030% | 6,512 |
| Noninterest expense to average assets | 1.5486% | 7,688 |
| Loan and lease loss provision to assets | 0.3430% | 3,328 |
| Net operating income to assets | 1.0399% | 2,032 |
| Return on assets (ROA) | 1.0293% | 2,130 |
| Pretax return on assets | 1.7275% | 1,007 |
| Return on Equity (ROE) | 11.6664% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.6631% | 804 |
| Net charge-offs to loans | 0.0894% | 4,520 |
| Credit loss provision to net charge-offs | 448.2445% | 941 |
| Earnings coverage of net charge-offs (x) | 27.2718% | 937 |
| Efficiency ratio | 42.5944% | 7,663 |
| Assets per employee ($millions) | 10.5415% | 230 |
| Cash dividends to net income (ytd only)* | 0.0290% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 7,313 |
| Loan loss allowance to noncurrent loans | 84.2243% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 5,689 |
| Noncurrent loans to loans | 0.8464% | 5,624 |
| Net loans and leases to total assets | 84.4431% | 336 |
| Net loans and leases to deposits | 142.1042% | 52 |
| Net loans and leases to core deposits | 145.8362% | 270 |
| Total domestic deposits to total assets | 59.4233% | 7,764 |
| Equity capital to assets | 8.8850% | 5,431 |
| Core capital (leverage) ratio | 7.7665% | 6,544 |
| Tier 1 risk-based capital ratio | 10.8967% | 6,255 |
| Total risk-based capital ratio | 11.8035% | 6,573 |
| Memoranda: | ||
| Average total assets | $4,019,412,500 | 204 |
| Average earning assets | $3,750,753,500 | 197 |
| Average equity | $354,624,000 | 228 |
| Average total loans | $3,441,491,500 | 162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6116% | 3,544 |
| Cost of funding earning assets | 2.4131% | 1,257 |
| Net interest margin | 3.1985% | 6,100 |
| Noninterest income to average assets | 0.1496% | 6,983 |
| Noninterest expense to average assets | 1.4434% | 7,829 |
| Loan and lease loss provision to assets | 0.3311% | 4,828 |
| Net operating income to assets | 0.8721% | 2,272 |
| Return on assets (ROA) | 0.8009% | 2,619 |
| Pretax return on assets | 1.2622% | 1,801 |
| Return on Equity (ROE) | 9.0462% | 2,009 |
| Retained earnings to average equity (ytd only) | -3.8936% | 5,846 |
| Net charge-offs to loans | 0.2779% | 4,893 |
| Credit loss provision to net charge-offs | 143.1277% | 3,355 |
| Earnings coverage of net charge-offs (x) | 7.3694% | 2,162 |
| Efficiency ratio | 45.8520% | 7,720 |
| Assets per employee ($millions) | 9.9701% | 261 |
| Cash dividends to net income (ytd only)* | 143.0417% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 7,466 |
| Loan loss allowance to noncurrent loans | 196.4317% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 6,676 |
| Noncurrent loans to loans | 0.3326% | 6,614 |
| Net loans and leases to total assets | 85.6544% | 303 |
| Net loans and leases to deposits | 145.8753% | 51 |
| Net loans and leases to core deposits | 172.4997% | 219 |
| Total domestic deposits to total assets | 58.7175% | 7,822 |
| Equity capital to assets | 8.7580% | 5,507 |
| Core capital (leverage) ratio | 7.5956% | 6,688 |
| Tier 1 risk-based capital ratio | 10.4516% | 6,446 |
| Total risk-based capital ratio | 11.2810% | 6,813 |
| Memoranda: | ||
| Average total assets | $3,972,719,000 | 209 |
| Average earning assets | $3,724,059,200 | 202 |
| Average equity | $351,728,000 | 228 |
| Average total loans | $3,307,114,400 | 178 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5697% | 4,034 |
| Cost of funding earning assets | 2.5258% | 1,220 |
| Net interest margin | 3.0438% | 6,481 |
| Noninterest income to average assets | 0.1938% | 6,831 |
| Noninterest expense to average assets | 1.4327% | 7,912 |
| Loan and lease loss provision to assets | 0.2900% | 4,656 |
| Net operating income to assets | 0.8335% | 2,687 |
| Return on assets (ROA) | 0.7695% | 3,001 |
| Pretax return on assets | 1.2280% | 2,170 |
| Return on Equity (ROE) | 8.6683% | 2,389 |
| Retained earnings to average equity (ytd only) | 0.1769% | 5,125 |
| Net charge-offs to loans | 0.2445% | 4,520 |
| Credit loss provision to net charge-offs | 143.7749% | 3,397 |
| Earnings coverage of net charge-offs (x) | 8.0206% | 2,317 |
| Efficiency ratio | 46.9632% | 7,722 |
| Assets per employee ($millions) | 9.8844% | 280 |
| Cash dividends to net income (ytd only)* | 97.9589% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6251% | 7,534 |
| Loan loss allowance to noncurrent loans | 145.9045% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 6,561 |
| Noncurrent loans to loans | 0.4285% | 6,478 |
| Net loans and leases to total assets | 84.3426% | 502 |
| Net loans and leases to deposits | 143.3318% | 67 |
| Net loans and leases to core deposits | 167.4466% | 288 |
| Total domestic deposits to total assets | 58.8443% | 7,896 |
| Equity capital to assets | 9.1806% | 5,198 |
| Core capital (leverage) ratio | 8.0339% | 6,300 |
| Tier 1 risk-based capital ratio | 10.9664% | 5,983 |
| Total risk-based capital ratio | 11.7461% | 6,425 |
| Memoranda: | ||
| Average total assets | $3,981,352,750 | 220 |
| Average earning assets | $3,736,889,000 | 210 |
| Average equity | $353,433,750 | 235 |
| Average total loans | $3,285,039,750 | 186 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5245% | 4,484 |
| Cost of funding earning assets | 2.6505% | 1,160 |
| Net interest margin | 2.8739% | 6,859 |
| Noninterest income to average assets | 0.1581% | 7,144 |
| Noninterest expense to average assets | 1.4342% | 8,000 |
| Loan and lease loss provision to assets | 0.2440% | 4,629 |
| Net operating income to assets | 0.7563% | 3,016 |
| Return on assets (ROA) | 0.6787% | 3,467 |
| Pretax return on assets | 1.0576% | 2,786 |
| Return on Equity (ROE) | 7.7309% | 2,877 |
| Retained earnings to average equity (ytd only) | -5.0542% | 6,307 |
| Net charge-offs to loans | 0.1467% | 4,717 |
| Credit loss provision to net charge-offs | 203.4942% | 2,238 |
| Earnings coverage of net charge-offs (x) | 11.8673% | 1,867 |
| Efficiency ratio | 50.1999% | 7,654 |
| Assets per employee ($millions) | 9.9764% | 265 |
| Cash dividends to net income (ytd only)* | 165.3759% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6321% | 7,576 |
| Loan loss allowance to noncurrent loans | 159.2949% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 6,654 |
| Noncurrent loans to loans | 0.3968% | 6,519 |
| Net loans and leases to total assets | 81.4271% | 1,065 |
| Net loans and leases to deposits | 135.4262% | 94 |
| Net loans and leases to core deposits | 160.7155% | 442 |
| Total domestic deposits to total assets | 60.1265% | 7,931 |
| Equity capital to assets | 8.7381% | 5,702 |
| Core capital (leverage) ratio | 7.6336% | 6,854 |
| Tier 1 risk-based capital ratio | 10.6975% | 6,184 |
| Total risk-based capital ratio | 11.4796% | 6,607 |
| Memoranda: | ||
| Average total assets | $4,010,324,000 | 223 |
| Average earning assets | $3,766,094,000 | 212 |
| Average equity | $352,067,000 | 236 |
| Average total loans | $3,278,275,330 | 192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 4,769 |
| Cost of funding earning assets | 2.7727% | 1,050 |
| Net interest margin | 2.7548% | 7,084 |
| Noninterest income to average assets | 0.0475% | 7,849 |
| Noninterest expense to average assets | 1.3507% | 8,059 |
| Loan and lease loss provision to assets | 0.2617% | 3,867 |
| Net operating income to assets | 0.6542% | 3,777 |
| Return on assets (ROA) | 0.5562% | 4,379 |
| Pretax return on assets | 0.8696% | 3,829 |
| Return on Equity (ROE) | 6.3212% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.3178% | 2,489 |
| Net charge-offs to loans | 0.2278% | 3,277 |
| Credit loss provision to net charge-offs | 140.7249% | 2,900 |
| Earnings coverage of net charge-offs (x) | 6.9067% | 2,419 |
| Efficiency ratio | 51.2583% | 7,485 |
| Assets per employee ($millions) | 9.7044% | 287 |
| Cash dividends to net income (ytd only)* | 0.0535% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 7,719 |
| Loan loss allowance to noncurrent loans | 143.1728% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 6,533 |
| Noncurrent loans to loans | 0.3979% | 6,424 |
| Net loans and leases to total assets | 81.4264% | 1,113 |
| Net loans and leases to deposits | 134.6654% | 116 |
| Net loans and leases to core deposits | 160.6808% | 484 |
| Total domestic deposits to total assets | 60.4657% | 7,955 |
| Equity capital to assets | 8.9241% | 5,441 |
| Core capital (leverage) ratio | 7.8541% | 6,684 |
| Tier 1 risk-based capital ratio | 11.1370% | 5,772 |
| Total risk-based capital ratio | 11.8463% | 6,217 |
| Memoranda: | ||
| Average total assets | $4,035,178,500 | 217 |
| Average earning assets | $3,790,347,500 | 207 |
| Average equity | $355,058,500 | 238 |
| Average total loans | $3,294,649,500 | 191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7702% | 6,534 |
| Cost of funding earning assets | 2.9777% | 1,952 |
| Net interest margin | 2.7925% | 7,342 |
| Noninterest income to average assets | 0.1295% | 7,465 |
| Noninterest expense to average assets | 1.3289% | 8,106 |
| Loan and lease loss provision to assets | 0.1399% | 5,567 |
| Net operating income to assets | 0.8362% | 3,281 |
| Return on assets (ROA) | 0.8539% | 3,048 |
| Pretax return on assets | 1.3075% | 2,285 |
| Return on Equity (ROE) | 9.4760% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.4722% | 524 |
| Net charge-offs to loans | 0.0036% | 6,954 |
| Credit loss provision to net charge-offs | 4,740.9091% | 105 |
| Earnings coverage of net charge-offs (x) | 481.2909% | 110 |
| Efficiency ratio | 48.3392% | 7,778 |
| Assets per employee ($millions) | 9.5130% | 298 |
| Cash dividends to net income (ytd only)* | 0.0408% | 4,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5477% | 7,770 |
| Loan loss allowance to noncurrent loans | 243.5288% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,824 |
| Noncurrent loans to loans | 0.2249% | 6,713 |
| Net loans and leases to total assets | 80.9585% | 1,448 |
| Net loans and leases to deposits | 136.4225% | 135 |
| Net loans and leases to core deposits | 164.5984% | 500 |
| Total domestic deposits to total assets | 59.3439% | 7,982 |
| Equity capital to assets | 8.6745% | 5,849 |
| Core capital (leverage) ratio | 7.6286% | 7,035 |
| Tier 1 risk-based capital ratio | 10.7694% | 5,939 |
| Total risk-based capital ratio | 11.4492% | 6,382 |
| Memoranda: | ||
| Average total assets | $3,727,705,400 | 221 |
| Average earning assets | $3,497,019,200 | 215 |
| Average equity | $335,910,400 | 251 |
| Average total loans | $3,086,114,200 | 195 |