Home > Emigrant Bank > Performance and Condition Ratios
Emigrant Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5837% | 135 |
| Cost of funding earning assets | 3.3259% | 79 |
| Net interest margin | 4.2577% | 853 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 3.2260% | 788 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 0.7231% | 3,245 |
| Return on assets (ROA) | 0.5407% | 3,667 |
| Pretax return on assets | 0.7401% | 3,472 |
| Return on Equity (ROE) | 2.5600% | 4,145 |
| Retained earnings to average equity (ytd only) | 0.1089% | 4,089 |
| Net charge-offs to loans | 0.4571% | 184 |
| Credit loss provision to net charge-offs | 122.1554% | 1,472 |
| Earnings coverage of net charge-offs (x) | 4.3042% | 2,402 |
| Efficiency ratio | 70.5242% | 1,730 |
| Assets per employee ($millions) | 14.0321% | 241 |
| Cash dividends to net income (ytd only)* | 95.7388% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 749 |
| Loan loss allowance to noncurrent loans | 30.4953% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 4.0907% | 36 |
| Noncurrent loans to loans | 5.4848% | 43 |
| Net loans and leases to total assets | 72.0300% | 1,571 |
| Net loans and leases to deposits | 95.3350% | 795 |
| Net loans and leases to core deposits | 100.3131% | 1,300 |
| Total domestic deposits to total assets | 75.5600% | 4,057 |
| Equity capital to assets | 21.9783% | 241 |
| Core capital (leverage) ratio | 21.2784% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5829% | 585 |
| Memoranda: | ||
| Average total assets | $6,654,613,250 | 223 |
| Average earning assets | $5,843,100,250 | 228 |
| Average equity | $1,407,711,750 | 127 |
| Average total loans | $4,560,672,500 | 220 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4629% | 133 |
| Cost of funding earning assets | 3.2328% | 56 |
| Net interest margin | 4.2301% | 891 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.0778% | 927 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.7153% | 3,313 |
| Return on assets (ROA) | 0.6915% | 3,359 |
| Pretax return on assets | 0.9704% | 2,993 |
| Return on Equity (ROE) | 3.3100% | 4,121 |
| Retained earnings to average equity (ytd only) | 0.4672% | 3,990 |
| Net charge-offs to loans | 0.6980% | 121 |
| Credit loss provision to net charge-offs | 60.6905% | 1,624 |
| Earnings coverage of net charge-offs (x) | 2.7282% | 2,303 |
| Efficiency ratio | 70.6843% | 1,701 |
| Assets per employee ($millions) | 14.2043% | 224 |
| Cash dividends to net income (ytd only)* | 85.8848% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,151 |
| Loan loss allowance to noncurrent loans | 64.5315% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.7019% | 188 |
| Noncurrent loans to loans | 2.3386% | 207 |
| Net loans and leases to total assets | 68.9900% | 1,855 |
| Net loans and leases to deposits | 90.5347% | 1,143 |
| Net loans and leases to core deposits | 95.0946% | 1,511 |
| Total domestic deposits to total assets | 76.2000% | 4,026 |
| Equity capital to assets | 21.6067% | 238 |
| Core capital (leverage) ratio | 20.5181% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0313% | 551 |
| Memoranda: | ||
| Average total assets | $6,735,264,333 | 214 |
| Average earning assets | $5,922,445,667 | 223 |
| Average equity | $1,407,150,333 | 123 |
| Average total loans | $4,514,941,667 | 215 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2354% | 100 |
| Cost of funding earning assets | 3.2009% | 20 |
| Net interest margin | 4.0345% | 1,204 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.0788% | 964 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.4871% | 3,928 |
| Return on assets (ROA) | 0.4911% | 3,883 |
| Pretax return on assets | 0.6962% | 3,672 |
| Return on Equity (ROE) | 2.3900% | 4,254 |
| Retained earnings to average equity (ytd only) | -3.2987% | 4,256 |
| Net charge-offs to loans | 0.1578% | 440 |
| Credit loss provision to net charge-offs | 242.4619% | 757 |
| Earnings coverage of net charge-offs (x) | 9.0655% | 1,701 |
| Efficiency ratio | 76.6388% | 1,114 |
| Assets per employee ($millions) | 15.6496% | 176 |
| Cash dividends to net income (ytd only)* | 238.0386% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 861 |
| Loan loss allowance to noncurrent loans | 51.7888% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.1305% | 107 |
| Noncurrent loans to loans | 3.2425% | 129 |
| Net loans and leases to total assets | 63.0100% | 2,358 |
| Net loans and leases to deposits | 80.3348% | 1,793 |
| Net loans and leases to core deposits | 85.1408% | 1,916 |
| Total domestic deposits to total assets | 78.4300% | 3,949 |
| Equity capital to assets | 19.3921% | 256 |
| Core capital (leverage) ratio | 19.0766% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6496% | 598 |
| Memoranda: | ||
| Average total assets | $6,843,020,000 | 217 |
| Average earning assets | $6,030,493,000 | 225 |
| Average equity | $1,406,375,000 | 125 |
| Average total loans | $4,488,988,000 | 222 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6526% | 129 |
| Cost of funding earning assets | 1.0800% | 121 |
| Net interest margin | 4.5726% | 257 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 3.7746% | 394 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.6509% | 3,755 |
| Return on assets (ROA) | 0.7381% | 3,454 |
| Pretax return on assets | 0.9629% | 3,185 |
| Return on Equity (ROE) | 3.1400% | 4,278 |
| Retained earnings to average equity (ytd only) | 1.7069% | 4,041 |
| Net charge-offs to loans | 0.5924% | 119 |
| Credit loss provision to net charge-offs | 67.0026% | 1,738 |
| Earnings coverage of net charge-offs (x) | 2.6415% | 2,495 |
| Efficiency ratio | 77.0764% | 915 |
| Assets per employee ($millions) | 14.0291% | 244 |
| Cash dividends to net income (ytd only)* | 45.6955% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 720 |
| Loan loss allowance to noncurrent loans | 49.0659% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.4818% | 78 |
| Noncurrent loans to loans | 3.5817% | 108 |
| Net loans and leases to total assets | 66.1500% | 2,025 |
| Net loans and leases to deposits | 86.9112% | 1,249 |
| Net loans and leases to core deposits | 96.3666% | 1,184 |
| Total domestic deposits to total assets | 76.1100% | 4,248 |
| Equity capital to assets | 21.8122% | 192 |
| Core capital (leverage) ratio | 22.2985% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8336% | 490 |
| Memoranda: | ||
| Average total assets | $5,929,838,600 | 243 |
| Average earning assets | $5,156,834,200 | 250 |
| Average equity | $1,392,463,400 | 131 |
| Average total loans | $4,254,431,200 | 221 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 143 |
| Cost of funding earning assets | 0.6510% | 334 |
| Net interest margin | 4.6451% | 181 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 3.6401% | 424 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.7216% | 3,504 |
| Return on assets (ROA) | 0.4038% | 4,183 |
| Pretax return on assets | 0.5509% | 4,065 |
| Return on Equity (ROE) | 1.6900% | 4,428 |
| Retained earnings to average equity (ytd only) | -0.2351% | 4,370 |
| Net charge-offs to loans | 0.7310% | 75 |
| Credit loss provision to net charge-offs | 38.1232% | 1,570 |
| Earnings coverage of net charge-offs (x) | 2.1220% | 2,255 |
| Efficiency ratio | 76.2781% | 1,051 |
| Assets per employee ($millions) | 12.8242% | 314 |
| Cash dividends to net income (ytd only)* | 113.9406% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 937 |
| Loan loss allowance to noncurrent loans | 47.3589% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.6394% | 72 |
| Noncurrent loans to loans | 3.5102% | 122 |
| Net loans and leases to total assets | 71.6300% | 1,330 |
| Net loans and leases to deposits | 96.6363% | 523 |
| Net loans and leases to core deposits | 114.0234% | 362 |
| Total domestic deposits to total assets | 74.1200% | 4,452 |
| Equity capital to assets | 23.7569% | 154 |
| Core capital (leverage) ratio | 24.1705% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0028% | 489 |
| Memoranda: | ||
| Average total assets | $5,795,443,000 | 248 |
| Average earning assets | $5,032,425,500 | 254 |
| Average equity | $1,387,907,250 | 135 |
| Average total loans | $4,229,359,750 | 219 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 164 |
| Cost of funding earning assets | 0.4115% | 852 |
| Net interest margin | 4.6157% | 162 |
| Noninterest income to average assets | 0.8820% | 877 |
| Noninterest expense to average assets | 3.6819% | 359 |
| Loan and lease loss provision to assets | 0.1199% | 830 |
| Net operating income to assets | 0.8501% | 2,777 |
| Return on assets (ROA) | 0.3441% | 4,169 |
| Pretax return on assets | 0.4757% | 4,039 |
| Return on Equity (ROE) | 1.4329% | 4,413 |
| Retained earnings to average equity (ytd only) | -1.4459% | 4,335 |
| Net charge-offs to loans | 0.4287% | 165 |
| Credit loss provision to net charge-offs | 38.3019% | 1,537 |
| Earnings coverage of net charge-offs (x) | 3.8450% | 1,981 |
| Efficiency ratio | 75.3636% | 1,348 |
| Assets per employee ($millions) | 12.2302% | 353 |
| Cash dividends to net income (ytd only)* | 200.9041% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8765% | 696 |
| Loan loss allowance to noncurrent loans | 35.3038% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 4.3399% | 25 |
| Noncurrent loans to loans | 5.3152% | 53 |
| Net loans and leases to total assets | 73.8288% | 932 |
| Net loans and leases to deposits | 101.6626% | 224 |
| Net loans and leases to core deposits | 123.5475% | 155 |
| Total domestic deposits to total assets | 72.6214% | 4,569 |
| Equity capital to assets | 24.6180% | 97 |
| Core capital (leverage) ratio | 23.5355% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9480% | 478 |
| Memoranda: | ||
| Average total assets | $5,786,527,667 | 245 |
| Average earning assets | $5,019,136,667 | 255 |
| Average equity | $1,389,486,000 | 136 |
| Average total loans | $4,225,563,667 | 215 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 226 |
| Cost of funding earning assets | 0.3097% | 1,556 |
| Net interest margin | 4.3953% | 199 |
| Noninterest income to average assets | 0.5849% | 1,757 |
| Noninterest expense to average assets | 3.5833% | 395 |
| Loan and lease loss provision to assets | 0.0635% | 1,277 |
| Net operating income to assets | 0.7730% | 2,756 |
| Return on assets (ROA) | -0.0433% | 4,545 |
| Pretax return on assets | -0.0597% | 4,549 |
| Return on Equity (ROE) | -0.1826% | 4,539 |
| Retained earnings to average equity (ytd only) | -5.9246% | 4,450 |
| Net charge-offs to loans | -0.0107% | 3,614 |
| Credit loss provision to net charge-offs | -825.6637% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3734% | 1,038 |
| Assets per employee ($millions) | 12.6148% | 338 |
| Cash dividends to net income (ytd only)* | -3,144.6541% | 4,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 607 |
| Loan loss allowance to noncurrent loans | 44.8574% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 46 |
| Noncurrent loans to loans | 4.4668% | 77 |
| Net loans and leases to total assets | 71.1550% | 911 |
| Net loans and leases to deposits | 97.9430% | 231 |
| Net loans and leases to core deposits | 122.3510% | 135 |
| Total domestic deposits to total assets | 72.6494% | 4,607 |
| Equity capital to assets | 23.3601% | 103 |
| Core capital (leverage) ratio | 22.6513% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4922% | 518 |
| Memoranda: | ||
| Average total assets | $5,872,951,500 | 246 |
| Average earning assets | $5,102,578,500 | 253 |
| Average equity | $1,393,242,500 | 141 |
| Average total loans | $4,226,461,000 | 214 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 484 |
| Cost of funding earning assets | 0.3358% | 2,064 |
| Net interest margin | 4.2858% | 423 |
| Noninterest income to average assets | 4.9831% | 112 |
| Noninterest expense to average assets | 4.2140% | 249 |
| Loan and lease loss provision to assets | 0.0821% | 1,496 |
| Net operating income to assets | 3.0730% | 97 |
| Return on assets (ROA) | 2.8718% | 111 |
| Pretax return on assets | 4.2479% | 71 |
| Return on Equity (ROE) | 13.2796% | 1,378 |
| Retained earnings to average equity (ytd only) | 9.3916% | 1,075 |
| Net charge-offs to loans | 0.1022% | 843 |
| Credit loss provision to net charge-offs | 112.7134% | 1,693 |
| Earnings coverage of net charge-offs (x) | 62.1611% | 1,150 |
| Efficiency ratio | 48.1908% | 4,389 |
| Assets per employee ($millions) | 12.5212% | 352 |
| Cash dividends to net income (ytd only)* | 29.2779% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 692 |
| Loan loss allowance to noncurrent loans | 43.2166% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 3.5320% | 52 |
| Noncurrent loans to loans | 4.4589% | 88 |
| Net loans and leases to total assets | 70.4798% | 988 |
| Net loans and leases to deposits | 97.0516% | 280 |
| Net loans and leases to core deposits | 116.7907% | 192 |
| Total domestic deposits to total assets | 72.6209% | 4,627 |
| Equity capital to assets | 24.0116% | 109 |
| Core capital (leverage) ratio | 23.4928% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5755% | 460 |
| Memoranda: | ||
| Average total assets | $5,946,592,400 | 232 |
| Average earning assets | $5,218,873,400 | 242 |
| Average equity | $1,286,007,200 | 147 |
| Average total loans | $4,242,479,200 | 214 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 661 |
| Cost of funding earning assets | 0.3402% | 2,201 |
| Net interest margin | 4.1701% | 579 |
| Noninterest income to average assets | 0.6361% | 2,068 |
| Noninterest expense to average assets | 3.4000% | 531 |
| Loan and lease loss provision to assets | -0.0418% | 4,431 |
| Net operating income to assets | 0.4093% | 4,360 |
| Return on assets (ROA) | 1.3530% | 1,738 |
| Pretax return on assets | 2.1476% | 612 |
| Return on Equity (ROE) | 6.4280% | 3,813 |
| Retained earnings to average equity (ytd only) | 1.1350% | 4,386 |
| Net charge-offs to loans | 0.1641% | 515 |
| Credit loss provision to net charge-offs | -35.7742% | 3,114 |
| Earnings coverage of net charge-offs (x) | 7.6701% | 2,126 |
| Efficiency ratio | 79.1396% | 803 |
| Assets per employee ($millions) | 12.5053% | 335 |
| Cash dividends to net income (ytd only)* | 82.3425% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 1,168 |
| Loan loss allowance to noncurrent loans | 44.1735% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 3.2149% | 71 |
| Noncurrent loans to loans | 3.7843% | 147 |
| Net loans and leases to total assets | 74.4112% | 661 |
| Net loans and leases to deposits | 100.7890% | 209 |
| Net loans and leases to core deposits | 122.1461% | 167 |
| Total domestic deposits to total assets | 73.8287% | 4,647 |
| Equity capital to assets | 22.3490% | 127 |
| Core capital (leverage) ratio | 21.9704% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7516% | 718 |
| Memoranda: | ||
| Average total assets | $5,983,907,250 | 231 |
| Average earning assets | $5,252,066,000 | 242 |
| Average equity | $1,259,501,250 | 148 |
| Average total loans | $4,261,541,500 | 216 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 975 |
| Cost of funding earning assets | 0.3505% | 2,315 |
| Net interest margin | 3.9673% | 868 |
| Noninterest income to average assets | 0.6533% | 1,994 |
| Noninterest expense to average assets | 3.2979% | 616 |
| Loan and lease loss provision to assets | -0.0537% | 4,532 |
| Net operating income to assets | 0.5765% | 4,032 |
| Return on assets (ROA) | 1.1448% | 2,446 |
| Pretax return on assets | 1.6333% | 1,648 |
| Return on Equity (ROE) | 5.5469% | 4,013 |
| Retained earnings to average equity (ytd only) | -2.4421% | 4,696 |
| Net charge-offs to loans | -0.0274% | 4,126 |
| Credit loss provision to net charge-offs | 280.5508% | 918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5789% | 811 |
| Assets per employee ($millions) | 12.2298% | 329 |
| Cash dividends to net income (ytd only)* | 144.0258% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 815 |
| Loan loss allowance to noncurrent loans | 38.9526% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 3.6548% | 65 |
| Noncurrent loans to loans | 4.7480% | 93 |
| Net loans and leases to total assets | 72.6458% | 888 |
| Net loans and leases to deposits | 98.5495% | 296 |
| Net loans and leases to core deposits | 115.7008% | 268 |
| Total domestic deposits to total assets | 73.7151% | 4,665 |
| Equity capital to assets | 21.8534% | 131 |
| Core capital (leverage) ratio | 20.6006% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3367% | 662 |
| Memoranda: | ||
| Average total assets | $6,065,236,333 | 226 |
| Average earning assets | $5,336,897,000 | 235 |
| Average equity | $1,251,731,000 | 147 |
| Average total loans | $4,234,137,333 | 217 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 1,221 |
| Cost of funding earning assets | 0.3648% | 2,405 |
| Net interest margin | 3.8225% | 1,095 |
| Noninterest income to average assets | 0.3992% | 3,090 |
| Noninterest expense to average assets | 3.1501% | 778 |
| Loan and lease loss provision to assets | 0.0553% | 2,002 |
| Net operating income to assets | 0.3826% | 4,391 |
| Return on assets (ROA) | 0.6521% | 3,884 |
| Pretax return on assets | 0.9120% | 3,575 |
| Return on Equity (ROE) | 3.2479% | 4,430 |
| Retained earnings to average equity (ytd only) | -12.7581% | 4,857 |
| Net charge-offs to loans | -0.0440% | 4,345 |
| Credit loss provision to net charge-offs | -185.1613% | 2,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6831% | 612 |
| Assets per employee ($millions) | 13.0794% | 280 |
| Cash dividends to net income (ytd only)* | 492.8050% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 687 |
| Loan loss allowance to noncurrent loans | 39.2968% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 3.4595% | 75 |
| Noncurrent loans to loans | 4.9349% | 85 |
| Net loans and leases to total assets | 66.2531% | 1,765 |
| Net loans and leases to deposits | 88.1467% | 814 |
| Net loans and leases to core deposits | 107.9957% | 460 |
| Total domestic deposits to total assets | 75.1623% | 4,618 |
| Equity capital to assets | 19.8859% | 188 |
| Core capital (leverage) ratio | 19.9841% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2148% | 657 |
| Memoranda: | ||
| Average total assets | $6,223,862,500 | 225 |
| Average earning assets | $5,479,130,500 | 230 |
| Average equity | $1,249,530,500 | 147 |
| Average total loans | $4,224,029,000 | 218 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 593 |
| Cost of funding earning assets | 0.7218% | 1,607 |
| Net interest margin | 4.1807% | 666 |
| Noninterest income to average assets | 1.4816% | 554 |
| Noninterest expense to average assets | 3.1980% | 1,062 |
| Loan and lease loss provision to assets | 0.3517% | 981 |
| Net operating income to assets | 1.1209% | 1,835 |
| Return on assets (ROA) | 1.0574% | 2,211 |
| Pretax return on assets | 1.5551% | 1,180 |
| Return on Equity (ROE) | 5.5034% | 3,744 |
| Retained earnings to average equity (ytd only) | 5.5034% | 2,041 |
| Net charge-offs to loans | 0.1281% | 1,229 |
| Credit loss provision to net charge-offs | 389.0110% | 1,464 |
| Earnings coverage of net charge-offs (x) | 21.7636% | 1,882 |
| Efficiency ratio | 61.9120% | 3,153 |
| Assets per employee ($millions) | 13.3196% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 773 |
| Loan loss allowance to noncurrent loans | 36.2255% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 3.6577% | 75 |
| Noncurrent loans to loans | 5.1567% | 80 |
| Net loans and leases to total assets | 66.9064% | 1,966 |
| Net loans and leases to deposits | 89.1055% | 996 |
| Net loans and leases to core deposits | 109.1140% | 538 |
| Total domestic deposits to total assets | 75.0867% | 4,572 |
| Equity capital to assets | 20.2566% | 190 |
| Core capital (leverage) ratio | 19.6822% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6208% | 617 |
| Memoranda: | ||
| Average total assets | $6,341,882,000 | 209 |
| Average earning assets | $5,588,168,600 | 215 |
| Average equity | $1,218,449,800 | 148 |
| Average total loans | $4,474,125,400 | 204 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 674 |
| Cost of funding earning assets | 0.8102% | 1,447 |
| Net interest margin | 4.1342% | 836 |
| Noninterest income to average assets | 0.5912% | 2,211 |
| Noninterest expense to average assets | 2.9529% | 1,550 |
| Loan and lease loss provision to assets | 0.4538% | 709 |
| Net operating income to assets | 0.6196% | 3,718 |
| Return on assets (ROA) | 0.5956% | 3,879 |
| Pretax return on assets | 0.8105% | 3,619 |
| Return on Equity (ROE) | 3.1421% | 4,361 |
| Retained earnings to average equity (ytd only) | 3.1421% | 3,457 |
| Net charge-offs to loans | 0.0463% | 1,954 |
| Credit loss provision to net charge-offs | 1,379.4268% | 659 |
| Earnings coverage of net charge-offs (x) | 39.0414% | 1,375 |
| Efficiency ratio | 69.6867% | 1,925 |
| Assets per employee ($millions) | 13.4896% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 631 |
| Loan loss allowance to noncurrent loans | 36.6219% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 3.6972% | 96 |
| Noncurrent loans to loans | 5.0854% | 104 |
| Net loans and leases to total assets | 68.7527% | 2,144 |
| Net loans and leases to deposits | 90.1579% | 1,243 |
| Net loans and leases to core deposits | 113.2888% | 583 |
| Total domestic deposits to total assets | 76.2581% | 4,401 |
| Equity capital to assets | 19.2052% | 234 |
| Core capital (leverage) ratio | 18.8701% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9547% | 687 |
| Memoranda: | ||
| Average total assets | $6,362,303,250 | 204 |
| Average earning assets | $5,611,378,750 | 211 |
| Average equity | $1,206,036,500 | 148 |
| Average total loans | $4,525,605,500 | 202 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1726% | 603 |
| Cost of funding earning assets | 0.9255% | 1,257 |
| Net interest margin | 4.2471% | 832 |
| Noninterest income to average assets | 0.2129% | 4,214 |
| Noninterest expense to average assets | 2.9597% | 1,687 |
| Loan and lease loss provision to assets | 0.5854% | 551 |
| Net operating income to assets | 0.3039% | 4,415 |
| Return on assets (ROA) | 0.2563% | 4,542 |
| Pretax return on assets | 0.3570% | 4,456 |
| Return on Equity (ROE) | 1.3578% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.3578% | 3,987 |
| Net charge-offs to loans | -0.0059% | 4,055 |
| Credit loss provision to net charge-offs | -13,989.4737% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9317% | 1,372 |
| Assets per employee ($millions) | 14.6659% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 744 |
| Loan loss allowance to noncurrent loans | 41.2136% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 3.0739% | 151 |
| Noncurrent loans to loans | 4.2238% | 150 |
| Net loans and leases to total assets | 67.9350% | 2,365 |
| Net loans and leases to deposits | 94.5631% | 906 |
| Net loans and leases to core deposits | 115.0696% | 562 |
| Total domestic deposits to total assets | 71.8409% | 4,717 |
| Equity capital to assets | 17.6847% | 325 |
| Core capital (leverage) ratio | 18.1125% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5036% | 843 |
| Memoranda: | ||
| Average total assets | $6,356,213,333 | 201 |
| Average earning assets | $5,592,849,000 | 204 |
| Average equity | $1,199,580,667 | 148 |
| Average total loans | $4,544,118,000 | 198 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 190 |
| Cost of funding earning assets | 1.1301% | 955 |
| Net interest margin | 4.7540% | 298 |
| Noninterest income to average assets | 0.3999% | 3,105 |
| Noninterest expense to average assets | 3.1676% | 1,495 |
| Loan and lease loss provision to assets | 0.7657% | 329 |
| Net operating income to assets | 0.4782% | 3,950 |
| Return on assets (ROA) | 0.4070% | 4,159 |
| Pretax return on assets | 0.5664% | 3,989 |
| Return on Equity (ROE) | 2.0837% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.0837% | 3,420 |
| Net charge-offs to loans | -0.0192% | 4,323 |
| Credit loss provision to net charge-offs | -5,485.0467% | 3,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2983% | 2,465 |
| Assets per employee ($millions) | 12.8426% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 905 |
| Loan loss allowance to noncurrent loans | 44.0586% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.8983% | 211 |
| Noncurrent loans to loans | 3.8173% | 220 |
| Net loans and leases to total assets | 69.6368% | 2,302 |
| Net loans and leases to deposits | 100.7789% | 503 |
| Net loans and leases to core deposits | 106.2466% | 1,046 |
| Total domestic deposits to total assets | 69.0986% | 4,891 |
| Equity capital to assets | 18.9479% | 291 |
| Core capital (leverage) ratio | 18.3980% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1012% | 970 |
| Memoranda: | ||
| Average total assets | $6,131,840,500 | 202 |
| Average earning assets | $5,379,910,000 | 207 |
| Average equity | $1,197,652,500 | 149 |
| Average total loans | $4,463,753,000 | 195 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 216 |
| Cost of funding earning assets | 1.4018% | 561 |
| Net interest margin | 4.6268% | 540 |
| Noninterest income to average assets | 1.1314% | 731 |
| Noninterest expense to average assets | 3.5946% | 855 |
| Loan and lease loss provision to assets | 0.1370% | 1,557 |
| Net operating income to assets | 1.1095% | 2,404 |
| Return on assets (ROA) | 1.1043% | 2,523 |
| Pretax return on assets | 1.4907% | 1,835 |
| Return on Equity (ROE) | 5.3050% | 4,127 |
| Retained earnings to average equity (ytd only) | 1.1262% | 4,346 |
| Net charge-offs to loans | 0.2835% | 739 |
| Credit loss provision to net charge-offs | 66.6554% | 2,962 |
| Earnings coverage of net charge-offs (x) | 7.9420% | 2,824 |
| Efficiency ratio | 68.7677% | 2,351 |
| Assets per employee ($millions) | 12.2506% | 206 |
| Cash dividends to net income (ytd only)* | 78.7712% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,469 |
| Loan loss allowance to noncurrent loans | 37.4191% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 3.0711% | 170 |
| Noncurrent loans to loans | 3.7836% | 201 |
| Net loans and leases to total assets | 73.8714% | 1,776 |
| Net loans and leases to deposits | 95.7189% | 969 |
| Net loans and leases to core deposits | 97.3530% | 1,785 |
| Total domestic deposits to total assets | 77.1753% | 4,473 |
| Equity capital to assets | 20.1655% | 250 |
| Core capital (leverage) ratio | 18.7101% | 291 |
| Tier 1 risk-based capital ratio | 17.8161% | 1,809 |
| Total risk-based capital ratio | 18.9052% | 1,805 |
| Memoranda: | ||
| Average total assets | $5,748,174,800 | 204 |
| Average earning assets | $5,088,474,600 | 206 |
| Average equity | $1,196,508,800 | 145 |
| Average total loans | $4,167,923,400 | 198 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0458% | 219 |
| Cost of funding earning assets | 1.4248% | 528 |
| Net interest margin | 4.6210% | 589 |
| Noninterest income to average assets | 0.4357% | 3,097 |
| Noninterest expense to average assets | 3.4316% | 1,038 |
| Loan and lease loss provision to assets | 0.1617% | 1,153 |
| Net operating income to assets | 0.7068% | 3,990 |
| Return on assets (ROA) | 0.6937% | 4,090 |
| Pretax return on assets | 0.9349% | 3,779 |
| Return on Equity (ROE) | 3.3055% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.3055% | 3,755 |
| Net charge-offs to loans | 0.3270% | 529 |
| Credit loss provision to net charge-offs | 68.8278% | 2,634 |
| Earnings coverage of net charge-offs (x) | 4.7203% | 2,980 |
| Efficiency ratio | 75.5709% | 1,376 |
| Assets per employee ($millions) | 11.6024% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 1,211 |
| Loan loss allowance to noncurrent loans | 34.4628% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 3.6038% | 137 |
| Noncurrent loans to loans | 4.3926% | 139 |
| Net loans and leases to total assets | 73.5069% | 1,917 |
| Net loans and leases to deposits | 95.6071% | 1,064 |
| Net loans and leases to core deposits | 97.4046% | 1,861 |
| Total domestic deposits to total assets | 76.8844% | 4,530 |
| Equity capital to assets | 21.4480% | 201 |
| Core capital (leverage) ratio | 20.0008% | 249 |
| Tier 1 risk-based capital ratio | 19.2882% | 1,508 |
| Total risk-based capital ratio | 20.4566% | 1,487 |
| Memoranda: | ||
| Average total assets | $5,696,776,250 | 206 |
| Average earning assets | $5,060,906,500 | 208 |
| Average equity | $1,195,484,500 | 145 |
| Average total loans | $4,094,580,500 | 202 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9735% | 245 |
| Cost of funding earning assets | 1.4110% | 515 |
| Net interest margin | 4.5625% | 668 |
| Noninterest income to average assets | 0.2133% | 4,464 |
| Noninterest expense to average assets | 3.3673% | 1,158 |
| Loan and lease loss provision to assets | 0.2031% | 837 |
| Net operating income to assets | 0.5318% | 4,458 |
| Return on assets (ROA) | 0.5220% | 4,507 |
| Pretax return on assets | 0.7116% | 4,304 |
| Return on Equity (ROE) | 2.5056% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.5056% | 3,944 |
| Net charge-offs to loans | 0.1326% | 1,142 |
| Credit loss provision to net charge-offs | 215.7856% | 1,144 |
| Earnings coverage of net charge-offs (x) | 9.8168% | 2,314 |
| Efficiency ratio | 78.4711% | 1,096 |
| Assets per employee ($millions) | 11.6554% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 859 |
| Loan loss allowance to noncurrent loans | 39.5542% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.4494% | 148 |
| Noncurrent loans to loans | 4.2450% | 159 |
| Net loans and leases to total assets | 72.8816% | 2,085 |
| Net loans and leases to deposits | 95.5665% | 1,087 |
| Net loans and leases to core deposits | 97.1470% | 1,963 |
| Total domestic deposits to total assets | 76.2627% | 4,641 |
| Equity capital to assets | 21.2604% | 200 |
| Core capital (leverage) ratio | 19.4106% | 256 |
| Tier 1 risk-based capital ratio | 19.0928% | 1,532 |
| Total risk-based capital ratio | 20.3544% | 1,489 |
| Memoranda: | ||
| Average total assets | $5,708,381,330 | 207 |
| Average earning assets | $5,101,931,670 | 207 |
| Average equity | $1,189,187,330 | 147 |
| Average total loans | $4,050,805,330 | 206 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8684% | 273 |
| Cost of funding earning assets | 1.3615% | 524 |
| Net interest margin | 4.5068% | 731 |
| Noninterest income to average assets | 0.1699% | 4,721 |
| Noninterest expense to average assets | 3.2407% | 1,405 |
| Loan and lease loss provision to assets | 0.3053% | 418 |
| Net operating income to assets | 0.5042% | 4,509 |
| Return on assets (ROA) | 0.4925% | 4,562 |
| Pretax return on assets | 0.6892% | 4,324 |
| Return on Equity (ROE) | 2.3883% | 4,913 |
| Retained earnings to average equity (ytd only) | 2.3883% | 3,959 |
| Net charge-offs to loans | 0.1614% | 836 |
| Credit loss provision to net charge-offs | 272.5124% | 881 |
| Earnings coverage of net charge-offs (x) | 8.9789% | 2,058 |
| Efficiency ratio | 76.3148% | 1,467 |
| Assets per employee ($millions) | 11.6480% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 811 |
| Loan loss allowance to noncurrent loans | 39.4591% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 3.4649% | 156 |
| Noncurrent loans to loans | 4.3786% | 156 |
| Net loans and leases to total assets | 69.7789% | 2,517 |
| Net loans and leases to deposits | 90.0564% | 1,618 |
| Net loans and leases to core deposits | 91.4095% | 2,356 |
| Total domestic deposits to total assets | 77.4836% | 4,593 |
| Equity capital to assets | 20.8829% | 206 |
| Core capital (leverage) ratio | 19.0148% | 277 |
| Tier 1 risk-based capital ratio | 19.9140% | 1,352 |
| Total risk-based capital ratio | 21.1770% | 1,329 |
| Memoranda: | ||
| Average total assets | $5,741,962,000 | 206 |
| Average earning assets | $5,193,787,000 | 207 |
| Average equity | $1,184,107,500 | 148 |
| Average total loans | $3,985,396,500 | 210 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 294 |
| Cost of funding earning assets | 1.0223% | 695 |
| Net interest margin | 4.6457% | 549 |
| Noninterest income to average assets | 1.1334% | 716 |
| Noninterest expense to average assets | 3.7241% | 748 |
| Loan and lease loss provision to assets | -0.1730% | 5,320 |
| Net operating income to assets | 1.7212% | 654 |
| Return on assets (ROA) | 1.7129% | 662 |
| Pretax return on assets | 1.9041% | 717 |
| Return on Equity (ROE) | 8.6220% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.6220% | 1,006 |
| Net charge-offs to loans | 0.0062% | 3,476 |
| Credit loss provision to net charge-offs | -4,035.2713% | 4,918 |
| Earnings coverage of net charge-offs (x) | 405.5155% | 253 |
| Efficiency ratio | 68.1734% | 2,509 |
| Assets per employee ($millions) | 11.8509% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 819 |
| Loan loss allowance to noncurrent loans | 34.2490% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 3.7744% | 131 |
| Noncurrent loans to loans | 4.9900% | 110 |
| Net loans and leases to total assets | 66.7325% | 3,034 |
| Net loans and leases to deposits | 85.5167% | 2,345 |
| Net loans and leases to core deposits | 86.6907% | 2,865 |
| Total domestic deposits to total assets | 78.0345% | 4,488 |
| Equity capital to assets | 20.2318% | 222 |
| Core capital (leverage) ratio | 18.8959% | 267 |
| Tier 1 risk-based capital ratio | 20.5438% | 1,217 |
| Total risk-based capital ratio | 21.8055% | 1,188 |
| Memoranda: | ||
| Average total assets | $6,017,626,600 | 194 |
| Average earning assets | $5,607,952,000 | 188 |
| Average equity | $1,195,513,200 | 143 |
| Average total loans | $4,155,584,400 | 196 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 287 |
| Cost of funding earning assets | 0.9653% | 699 |
| Net interest margin | 4.6614% | 513 |
| Noninterest income to average assets | 0.8657% | 1,298 |
| Noninterest expense to average assets | 3.2244% | 1,469 |
| Loan and lease loss provision to assets | -0.2275% | 5,413 |
| Net operating income to assets | 2.0408% | 344 |
| Return on assets (ROA) | 2.0301% | 351 |
| Pretax return on assets | 2.2025% | 396 |
| Return on Equity (ROE) | 10.2636% | 2,498 |
| Retained earnings to average equity (ytd only) | 10.2636% | 835 |
| Net charge-offs to loans | 0.0103% | 3,060 |
| Credit loss provision to net charge-offs | -3,189.5385% | 4,804 |
| Earnings coverage of net charge-offs (x) | 278.3585% | 331 |
| Efficiency ratio | 61.8948% | 3,527 |
| Assets per employee ($millions) | 11.8086% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 849 |
| Loan loss allowance to noncurrent loans | 31.9468% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 4.1452% | 116 |
| Noncurrent loans to loans | 5.3563% | 105 |
| Net loans and leases to total assets | 67.8367% | 2,973 |
| Net loans and leases to deposits | 88.2413% | 2,122 |
| Net loans and leases to core deposits | 89.1663% | 2,732 |
| Total domestic deposits to total assets | 76.8764% | 4,662 |
| Equity capital to assets | 20.2566% | 223 |
| Core capital (leverage) ratio | 18.6370% | 285 |
| Tier 1 risk-based capital ratio | 20.6451% | 1,229 |
| Total risk-based capital ratio | 21.9034% | 1,206 |
| Memoranda: | ||
| Average total assets | $6,076,225,000 | 194 |
| Average earning assets | $5,662,246,000 | 187 |
| Average equity | $1,201,878,500 | 143 |
| Average total loans | $4,212,880,250 | 194 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 422 |
| Cost of funding earning assets | 0.9268% | 645 |
| Net interest margin | 4.4297% | 799 |
| Noninterest income to average assets | 0.8350% | 1,369 |
| Noninterest expense to average assets | 3.3790% | 1,162 |
| Loan and lease loss provision to assets | 0.1067% | 1,838 |
| Net operating income to assets | 1.0990% | 2,586 |
| Return on assets (ROA) | 1.1015% | 2,583 |
| Pretax return on assets | 1.4788% | 1,894 |
| Return on Equity (ROE) | 5.6098% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,766 |
| Net charge-offs to loans | -0.0122% | 4,378 |
| Credit loss provision to net charge-offs | -1,259.6958% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1254% | 2,624 |
| Assets per employee ($millions) | 12.8686% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9402% | 579 |
| Loan loss allowance to noncurrent loans | 38.4319% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.8378% | 150 |
| Noncurrent loans to loans | 5.0484% | 137 |
| Net loans and leases to total assets | 66.6992% | 3,052 |
| Net loans and leases to deposits | 87.0060% | 2,222 |
| Net loans and leases to core deposits | 87.3492% | 2,786 |
| Total domestic deposits to total assets | 76.6604% | 4,775 |
| Equity capital to assets | 20.0587% | 226 |
| Core capital (leverage) ratio | 18.6545% | 287 |
| Tier 1 risk-based capital ratio | 21.8300% | 1,057 |
| Total risk-based capital ratio | 23.0890% | 1,037 |
| Memoranda: | ||
| Average total assets | $6,208,319,670 | 189 |
| Average earning assets | $5,781,248,000 | 185 |
| Average equity | $1,218,984,330 | 140 |
| Average total loans | $4,310,451,000 | 189 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 455 |
| Cost of funding earning assets | 0.8523% | 760 |
| Net interest margin | 4.3869% | 789 |
| Noninterest income to average assets | 0.5958% | 2,278 |
| Noninterest expense to average assets | 3.4586% | 1,066 |
| Loan and lease loss provision to assets | 0.0825% | 2,143 |
| Net operating income to assets | 0.8433% | 3,534 |
| Return on assets (ROA) | 0.8485% | 3,529 |
| Pretax return on assets | 1.1351% | 3,029 |
| Return on Equity (ROE) | 4.3680% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.3680% | 3,441 |
| Net charge-offs to loans | -0.0238% | 4,640 |
| Credit loss provision to net charge-offs | -494.2308% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0800% | 1,892 |
| Assets per employee ($millions) | 13.1257% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 744 |
| Loan loss allowance to noncurrent loans | 37.8287% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.7554% | 179 |
| Noncurrent loans to loans | 4.8261% | 163 |
| Net loans and leases to total assets | 67.8400% | 2,786 |
| Net loans and leases to deposits | 87.7772% | 1,959 |
| Net loans and leases to core deposits | 88.0446% | 2,630 |
| Total domestic deposits to total assets | 77.2865% | 4,830 |
| Equity capital to assets | 19.3469% | 241 |
| Core capital (leverage) ratio | 18.7019% | 270 |
| Tier 1 risk-based capital ratio | 21.0732% | 1,194 |
| Total risk-based capital ratio | 22.3305% | 1,163 |
| Memoranda: | ||
| Average total assets | $6,230,439,000 | 190 |
| Average earning assets | $5,784,538,000 | 182 |
| Average equity | $1,210,260,000 | 139 |
| Average total loans | $4,369,307,000 | 186 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1099% | 520 |
| Cost of funding earning assets | 0.7220% | 919 |
| Net interest margin | 4.3880% | 789 |
| Noninterest income to average assets | 1.8052% | 344 |
| Noninterest expense to average assets | 3.9266% | 596 |
| Loan and lease loss provision to assets | 0.0475% | 3,275 |
| Net operating income to assets | 1.5094% | 782 |
| Return on assets (ROA) | 1.5179% | 780 |
| Pretax return on assets | 1.9220% | 578 |
| Return on Equity (ROE) | 8.4824% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.4824% | 624 |
| Net charge-offs to loans | 0.0230% | 3,346 |
| Credit loss provision to net charge-offs | 296.1765% | 956 |
| Earnings coverage of net charge-offs (x) | 121.7833% | 554 |
| Efficiency ratio | 66.4782% | 3,175 |
| Assets per employee ($millions) | 10.5353% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 826 |
| Loan loss allowance to noncurrent loans | 38.5546% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 3.7373% | 171 |
| Noncurrent loans to loans | 4.5907% | 172 |
| Net loans and leases to total assets | 69.9144% | 2,530 |
| Net loans and leases to deposits | 93.0319% | 1,386 |
| Net loans and leases to core deposits | 93.4442% | 2,247 |
| Total domestic deposits to total assets | 75.1510% | 5,077 |
| Equity capital to assets | 19.5103% | 228 |
| Core capital (leverage) ratio | 17.9576% | 294 |
| Tier 1 risk-based capital ratio | 21.1993% | 1,109 |
| Total risk-based capital ratio | 22.4566% | 1,086 |
| Memoranda: | ||
| Average total assets | $6,366,418,600 | 181 |
| Average earning assets | $5,908,827,000 | 176 |
| Average equity | $1,139,279,800 | 138 |
| Average total loans | $4,434,758,600 | 177 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 635 |
| Cost of funding earning assets | 0.6849% | 1,041 |
| Net interest margin | 4.2960% | 932 |
| Noninterest income to average assets | 0.9058% | 1,257 |
| Noninterest expense to average assets | 3.5044% | 991 |
| Loan and lease loss provision to assets | 0.0554% | 2,982 |
| Net operating income to assets | 0.8317% | 3,379 |
| Return on assets (ROA) | 0.8147% | 3,508 |
| Pretax return on assets | 1.3293% | 2,364 |
| Return on Equity (ROE) | 4.6540% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.6540% | 3,112 |
| Net charge-offs to loans | 0.0126% | 3,289 |
| Credit loss provision to net charge-offs | 636.2768% | 517 |
| Earnings coverage of net charge-offs (x) | 160.4829% | 513 |
| Efficiency ratio | 71.0998% | 2,350 |
| Assets per employee ($millions) | 10.9065% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,012 |
| Loan loss allowance to noncurrent loans | 40.2728% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 3.4872% | 222 |
| Noncurrent loans to loans | 4.2441% | 222 |
| Net loans and leases to total assets | 68.6750% | 2,748 |
| Net loans and leases to deposits | 97.0826% | 1,002 |
| Net loans and leases to core deposits | 97.5992% | 1,919 |
| Total domestic deposits to total assets | 70.7388% | 5,452 |
| Equity capital to assets | 17.5776% | 373 |
| Core capital (leverage) ratio | 16.2681% | 459 |
| Tier 1 risk-based capital ratio | 18.8478% | 1,635 |
| Total risk-based capital ratio | 20.1093% | 1,584 |
| Memoranda: | ||
| Average total assets | $6,414,601,000 | 180 |
| Average earning assets | $5,966,883,250 | 174 |
| Average equity | $1,122,974,000 | 138 |
| Average total loans | $4,444,930,750 | 179 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 643 |
| Cost of funding earning assets | 0.6304% | 1,262 |
| Net interest margin | 4.3049% | 845 |
| Noninterest income to average assets | 0.7021% | 1,982 |
| Noninterest expense to average assets | 3.3963% | 1,178 |
| Loan and lease loss provision to assets | 0.1426% | 1,434 |
| Net operating income to assets | 0.7243% | 3,739 |
| Return on assets (ROA) | 0.6973% | 3,930 |
| Pretax return on assets | 1.1416% | 3,005 |
| Return on Equity (ROE) | 3.9886% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.9886% | 3,332 |
| Net charge-offs to loans | 0.0290% | 2,629 |
| Credit loss provision to net charge-offs | 711.1111% | 495 |
| Earnings coverage of net charge-offs (x) | 65.3850% | 886 |
| Efficiency ratio | 71.7462% | 2,392 |
| Assets per employee ($millions) | 10.8576% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 862 |
| Loan loss allowance to noncurrent loans | 37.6580% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 3.8139% | 187 |
| Noncurrent loans to loans | 4.8154% | 164 |
| Net loans and leases to total assets | 67.3454% | 2,897 |
| Net loans and leases to deposits | 100.4141% | 708 |
| Net loans and leases to core deposits | 101.0217% | 1,587 |
| Total domestic deposits to total assets | 67.0677% | 5,619 |
| Equity capital to assets | 17.6106% | 351 |
| Core capital (leverage) ratio | 16.3397% | 437 |
| Tier 1 risk-based capital ratio | 19.2837% | 1,522 |
| Total risk-based capital ratio | 20.5470% | 1,467 |
| Memoranda: | ||
| Average total assets | $6,375,135,000 | 180 |
| Average earning assets | $5,930,901,000 | 176 |
| Average equity | $1,114,517,000 | 138 |
| Average total loans | $4,405,055,000 | 181 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 607 |
| Cost of funding earning assets | 0.5900% | 1,441 |
| Net interest margin | 4.3246% | 738 |
| Noninterest income to average assets | 0.7376% | 1,792 |
| Noninterest expense to average assets | 3.3041% | 1,383 |
| Loan and lease loss provision to assets | 0.1518% | 1,217 |
| Net operating income to assets | 0.8144% | 3,159 |
| Return on assets (ROA) | 0.7953% | 3,299 |
| Pretax return on assets | 1.2916% | 2,266 |
| Return on Equity (ROE) | 4.5658% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.5658% | 3,142 |
| Net charge-offs to loans | 0.0435% | 1,963 |
| Credit loss provision to net charge-offs | 502.9167% | 559 |
| Earnings coverage of net charge-offs (x) | 48.3125% | 920 |
| Efficiency ratio | 69.0011% | 3,048 |
| Assets per employee ($millions) | 10.8359% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 1,004 |
| Loan loss allowance to noncurrent loans | 33.3648% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 4.2822% | 165 |
| Noncurrent loans to loans | 5.3295% | 145 |
| Net loans and leases to total assets | 68.0601% | 2,672 |
| Net loans and leases to deposits | 101.2979% | 531 |
| Net loans and leases to core deposits | 102.0594% | 1,362 |
| Total domestic deposits to total assets | 67.1881% | 5,692 |
| Equity capital to assets | 17.6347% | 328 |
| Core capital (leverage) ratio | 15.9721% | 463 |
| Tier 1 risk-based capital ratio | 19.0567% | 1,603 |
| Total risk-based capital ratio | 20.3198% | 1,562 |
| Memoranda: | ||
| Average total assets | $6,359,705,000 | 181 |
| Average earning assets | $5,919,103,500 | 176 |
| Average equity | $1,107,710,000 | 136 |
| Average total loans | $4,410,672,000 | 181 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,548 |
| Cost of funding earning assets | 0.6101% | 1,276 |
| Net interest margin | 3.8871% | 2,006 |
| Noninterest income to average assets | 0.9739% | 1,209 |
| Noninterest expense to average assets | 3.3255% | 1,523 |
| Loan and lease loss provision to assets | 0.1210% | 2,042 |
| Net operating income to assets | 0.7242% | 3,673 |
| Return on assets (ROA) | 0.5941% | 4,341 |
| Pretax return on assets | 0.9615% | 3,610 |
| Return on Equity (ROE) | 3.5295% | 5,004 |
| Retained earnings to average equity (ytd only) | -0.9729% | 5,437 |
| Net charge-offs to loans | 0.1575% | 1,698 |
| Credit loss provision to net charge-offs | 117.3108% | 2,258 |
| Earnings coverage of net charge-offs (x) | 12.4141% | 2,454 |
| Efficiency ratio | 71.8593% | 2,608 |
| Assets per employee ($millions) | 11.1168% | 218 |
| Cash dividends to net income (ytd only)* | 127.5640% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,132 |
| Loan loss allowance to noncurrent loans | 37.7410% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 3.7590% | 213 |
| Noncurrent loans to loans | 4.5102% | 203 |
| Net loans and leases to total assets | 68.2161% | 2,739 |
| Net loans and leases to deposits | 99.4588% | 706 |
| Net loans and leases to core deposits | 100.2208% | 1,603 |
| Total domestic deposits to total assets | 68.5872% | 5,701 |
| Equity capital to assets | 17.2158% | 364 |
| Core capital (leverage) ratio | 16.1354% | 444 |
| Tier 1 risk-based capital ratio | 18.8545% | 1,633 |
| Total risk-based capital ratio | 20.1232% | 1,595 |
| Memoranda: | ||
| Average total assets | $6,597,055,800 | 173 |
| Average earning assets | $6,164,486,200 | 163 |
| Average equity | $1,110,531,000 | 134 |
| Average total loans | $4,319,450,200 | 179 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 1,849 |
| Cost of funding earning assets | 0.6175% | 1,224 |
| Net interest margin | 3.7867% | 2,379 |
| Noninterest income to average assets | 0.6897% | 2,215 |
| Noninterest expense to average assets | 3.1819% | 1,824 |
| Loan and lease loss provision to assets | 0.1197% | 1,936 |
| Net operating income to assets | 0.5824% | 4,362 |
| Return on assets (ROA) | 0.5704% | 4,517 |
| Pretax return on assets | 0.9119% | 3,941 |
| Return on Equity (ROE) | 3.4069% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.4069% | 3,855 |
| Net charge-offs to loans | 0.2110% | 1,103 |
| Credit loss provision to net charge-offs | 87.9422% | 2,561 |
| Earnings coverage of net charge-offs (x) | 7.6958% | 2,849 |
| Efficiency ratio | 74.8807% | 2,126 |
| Assets per employee ($millions) | 11.6268% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 1,329 |
| Loan loss allowance to noncurrent loans | 34.4683% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.8610% | 225 |
| Noncurrent loans to loans | 4.7813% | 187 |
| Net loans and leases to total assets | 65.8562% | 3,148 |
| Net loans and leases to deposits | 91.5785% | 1,556 |
| Net loans and leases to core deposits | 92.1432% | 2,360 |
| Total domestic deposits to total assets | 71.9123% | 5,599 |
| Equity capital to assets | 16.9264% | 440 |
| Core capital (leverage) ratio | 15.9279% | 485 |
| Tier 1 risk-based capital ratio | 18.1276% | 1,881 |
| Total risk-based capital ratio | 19.4109% | 1,841 |
| Memoranda: | ||
| Average total assets | $6,642,719,500 | 171 |
| Average earning assets | $6,209,960,750 | 161 |
| Average equity | $1,112,091,250 | 134 |
| Average total loans | $4,286,456,750 | 182 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 2,207 |
| Cost of funding earning assets | 0.6293% | 1,147 |
| Net interest margin | 3.6539% | 2,879 |
| Noninterest income to average assets | 0.6724% | 2,263 |
| Noninterest expense to average assets | 3.2771% | 1,638 |
| Loan and lease loss provision to assets | 0.1991% | 1,082 |
| Net operating income to assets | 0.3915% | 5,061 |
| Return on assets (ROA) | 0.3951% | 5,129 |
| Pretax return on assets | 0.6238% | 4,830 |
| Return on Equity (ROE) | 2.3687% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.3687% | 4,370 |
| Net charge-offs to loans | 0.4110% | 554 |
| Credit loss provision to net charge-offs | 76.0456% | 2,411 |
| Earnings coverage of net charge-offs (x) | 3.1246% | 3,165 |
| Efficiency ratio | 79.6637% | 1,536 |
| Assets per employee ($millions) | 11.2797% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 1,356 |
| Loan loss allowance to noncurrent loans | 36.3916% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 3.8541% | 248 |
| Noncurrent loans to loans | 4.5709% | 219 |
| Net loans and leases to total assets | 66.3252% | 3,037 |
| Net loans and leases to deposits | 82.4406% | 2,654 |
| Net loans and leases to core deposits | 82.7107% | 3,206 |
| Total domestic deposits to total assets | 80.4522% | 4,429 |
| Equity capital to assets | 17.1932% | 405 |
| Core capital (leverage) ratio | 15.5008% | 529 |
| Tier 1 risk-based capital ratio | 18.5313% | 1,791 |
| Total risk-based capital ratio | 19.8170% | 1,750 |
| Memoranda: | ||
| Average total assets | $6,628,487,330 | 170 |
| Average earning assets | $6,209,500,000 | 162 |
| Average equity | $1,105,589,000 | 132 |
| Average total loans | $4,223,097,000 | 180 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 2,431 |
| Cost of funding earning assets | 0.6254% | 1,178 |
| Net interest margin | 3.5848% | 3,145 |
| Noninterest income to average assets | 0.5914% | 2,584 |
| Noninterest expense to average assets | 3.1119% | 2,068 |
| Loan and lease loss provision to assets | 0.1290% | 1,644 |
| Net operating income to assets | 0.4509% | 4,828 |
| Return on assets (ROA) | 0.4501% | 4,913 |
| Pretax return on assets | 0.7074% | 4,499 |
| Return on Equity (ROE) | 2.7389% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.7389% | 4,142 |
| Net charge-offs to loans | 0.0061% | 2,909 |
| Credit loss provision to net charge-offs | 3,434.9206% | 121 |
| Earnings coverage of net charge-offs (x) | 223.6349% | 276 |
| Efficiency ratio | 78.3846% | 1,843 |
| Assets per employee ($millions) | 11.6083% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 1,076 |
| Loan loss allowance to noncurrent loans | 32.1512% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 4.3889% | 208 |
| Noncurrent loans to loans | 5.7195% | 155 |
| Net loans and leases to total assets | 61.5491% | 3,588 |
| Net loans and leases to deposits | 75.6998% | 3,253 |
| Net loans and leases to core deposits | 75.9149% | 3,691 |
| Total domestic deposits to total assets | 81.3068% | 4,400 |
| Equity capital to assets | 16.6608% | 453 |
| Core capital (leverage) ratio | 15.0916% | 588 |
| Tier 1 risk-based capital ratio | 19.5597% | 1,603 |
| Total risk-based capital ratio | 20.8491% | 1,558 |
| Memoranda: | ||
| Average total assets | $6,711,090,500 | 168 |
| Average earning assets | $6,290,774,500 | 160 |
| Average equity | $1,102,761,000 | 133 |
| Average total loans | $4,154,995,500 | 181 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,103 |
| Cost of funding earning assets | 0.5946% | 1,400 |
| Net interest margin | 3.7412% | 2,599 |
| Noninterest income to average assets | 1.9012% | 385 |
| Noninterest expense to average assets | 3.4074% | 1,469 |
| Loan and lease loss provision to assets | 0.0512% | 3,299 |
| Net operating income to assets | 1.1571% | 1,709 |
| Return on assets (ROA) | 1.3306% | 1,245 |
| Pretax return on assets | 2.2372% | 321 |
| Return on Equity (ROE) | 7.9422% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.9422% | 935 |
| Net charge-offs to loans | 0.1270% | 2,106 |
| Credit loss provision to net charge-offs | 62.2146% | 3,240 |
| Earnings coverage of net charge-offs (x) | 23.9469% | 1,700 |
| Efficiency ratio | 62.9215% | 4,458 |
| Assets per employee ($millions) | 11.8216% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 1,128 |
| Loan loss allowance to noncurrent loans | 32.5688% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 4.2277% | 242 |
| Noncurrent loans to loans | 5.5331% | 166 |
| Net loans and leases to total assets | 60.0069% | 3,840 |
| Net loans and leases to deposits | 73.3436% | 3,569 |
| Net loans and leases to core deposits | 73.5932% | 3,980 |
| Total domestic deposits to total assets | 81.8161% | 4,220 |
| Equity capital to assets | 16.1241% | 505 |
| Core capital (leverage) ratio | 15.3350% | 562 |
| Tier 1 risk-based capital ratio | 20.3541% | 1,412 |
| Total risk-based capital ratio | 21.6331% | 1,389 |
| Memoranda: | ||
| Average total assets | $6,383,378,800 | 164 |
| Average earning assets | $5,934,282,000 | 158 |
| Average equity | $1,069,452,800 | 127 |
| Average total loans | $4,140,123,600 | 174 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 1,987 |
| Cost of funding earning assets | 0.5699% | 1,631 |
| Net interest margin | 3.8092% | 2,348 |
| Noninterest income to average assets | 2.3756% | 279 |
| Noninterest expense to average assets | 3.3554% | 1,568 |
| Loan and lease loss provision to assets | 0.1319% | 1,702 |
| Net operating income to assets | 1.3992% | 1,105 |
| Return on assets (ROA) | 1.6454% | 720 |
| Pretax return on assets | 2.8621% | 136 |
| Return on Equity (ROE) | 9.7227% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.7227% | 685 |
| Net charge-offs to loans | 0.1650% | 1,501 |
| Credit loss provision to net charge-offs | 121.4132% | 1,962 |
| Earnings coverage of net charge-offs (x) | 23.5036% | 1,733 |
| Efficiency ratio | 56.6117% | 5,268 |
| Assets per employee ($millions) | 11.6414% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9143% | 1,041 |
| Loan loss allowance to noncurrent loans | 31.6295% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 4.5839% | 239 |
| Noncurrent loans to loans | 6.0524% | 135 |
| Net loans and leases to total assets | 60.1893% | 3,860 |
| Net loans and leases to deposits | 74.2376% | 3,523 |
| Net loans and leases to core deposits | 74.5172% | 3,962 |
| Total domestic deposits to total assets | 81.0766% | 4,455 |
| Equity capital to assets | 16.5054% | 488 |
| Core capital (leverage) ratio | 16.5038% | 426 |
| Tier 1 risk-based capital ratio | 20.5406% | 1,430 |
| Total risk-based capital ratio | 21.8208% | 1,388 |
| Memoranda: | ||
| Average total assets | $6,285,782,750 | 167 |
| Average earning assets | $5,831,434,000 | 160 |
| Average equity | $1,063,764,250 | 130 |
| Average total loans | $4,140,325,750 | 174 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,559 |
| Cost of funding earning assets | 0.5465% | 1,851 |
| Net interest margin | 3.9475% | 1,820 |
| Noninterest income to average assets | 2.3351% | 297 |
| Noninterest expense to average assets | 3.4288% | 1,420 |
| Loan and lease loss provision to assets | 0.1981% | 997 |
| Net operating income to assets | 1.3589% | 1,169 |
| Return on assets (ROA) | 1.7381% | 611 |
| Pretax return on assets | 3.0331% | 134 |
| Return on Equity (ROE) | 10.1808% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.1808% | 633 |
| Net charge-offs to loans | 0.2442% | 1,066 |
| Credit loss provision to net charge-offs | 120.2634% | 1,802 |
| Earnings coverage of net charge-offs (x) | 15.5195% | 1,970 |
| Efficiency ratio | 57.1154% | 5,323 |
| Assets per employee ($millions) | 10.4454% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 1,152 |
| Loan loss allowance to noncurrent loans | 30.3873% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 5.1697% | 203 |
| Noncurrent loans to loans | 6.2646% | 147 |
| Net loans and leases to total assets | 66.8203% | 2,814 |
| Net loans and leases to deposits | 87.4510% | 1,892 |
| Net loans and leases to core deposits | 87.8625% | 2,566 |
| Total domestic deposits to total assets | 76.4088% | 5,544 |
| Equity capital to assets | 17.9200% | 346 |
| Core capital (leverage) ratio | 16.9324% | 372 |
| Tier 1 risk-based capital ratio | 19.4349% | 1,685 |
| Total risk-based capital ratio | 20.7170% | 1,647 |
| Memoranda: | ||
| Average total assets | $6,176,934,670 | 167 |
| Average earning assets | $5,711,933,000 | 161 |
| Average equity | $1,054,555,330 | 133 |
| Average total loans | $4,167,904,330 | 173 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 1,778 |
| Cost of funding earning assets | 0.5401% | 1,925 |
| Net interest margin | 3.8573% | 2,038 |
| Noninterest income to average assets | 3.5775% | 185 |
| Noninterest expense to average assets | 3.1468% | 2,144 |
| Loan and lease loss provision to assets | 0.1703% | 1,164 |
| Net operating income to assets | 2.1845% | 234 |
| Return on assets (ROA) | 2.7806% | 107 |
| Pretax return on assets | 4.9202% | 59 |
| Return on Equity (ROE) | 16.6824% | 498 |
| Retained earnings to average equity (ytd only) | 16.6824% | 195 |
| Net charge-offs to loans | 0.3501% | 697 |
| Credit loss provision to net charge-offs | 72.3970% | 1,897 |
| Earnings coverage of net charge-offs (x) | 16.9892% | 1,544 |
| Efficiency ratio | 43.9190% | 6,181 |
| Assets per employee ($millions) | 10.9333% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 1,511 |
| Loan loss allowance to noncurrent loans | 27.0839% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 5.3818% | 213 |
| Noncurrent loans to loans | 6.6213% | 147 |
| Net loans and leases to total assets | 66.3981% | 2,708 |
| Net loans and leases to deposits | 91.1123% | 1,281 |
| Net loans and leases to core deposits | 91.5428% | 1,981 |
| Total domestic deposits to total assets | 72.8750% | 5,987 |
| Equity capital to assets | 17.0473% | 417 |
| Core capital (leverage) ratio | 15.9982% | 465 |
| Tier 1 risk-based capital ratio | 18.4430% | 2,019 |
| Total risk-based capital ratio | 19.7660% | 1,950 |
| Memoranda: | ||
| Average total assets | $6,272,790,000 | 165 |
| Average earning assets | $5,796,872,000 | 159 |
| Average equity | $1,045,556,000 | 133 |
| Average total loans | $4,213,380,500 | 169 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 2,292 |
| Cost of funding earning assets | 0.5393% | 2,293 |
| Net interest margin | 3.8388% | 2,476 |
| Noninterest income to average assets | 0.6745% | 2,433 |
| Noninterest expense to average assets | 3.1685% | 2,300 |
| Loan and lease loss provision to assets | -0.2272% | 6,314 |
| Net operating income to assets | 0.8000% | 3,371 |
| Return on assets (ROA) | 0.7965% | 3,491 |
| Pretax return on assets | 1.3253% | 2,158 |
| Return on Equity (ROE) | 5.0395% | 4,640 |
| Retained earnings to average equity (ytd only) | 5.0395% | 2,575 |
| Net charge-offs to loans | -0.1213% | 6,163 |
| Credit loss provision to net charge-offs | 294.3020% | 877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4719% | 2,757 |
| Assets per employee ($millions) | 11.0761% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 1,498 |
| Loan loss allowance to noncurrent loans | 26.9635% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 5.4602% | 237 |
| Noncurrent loans to loans | 6.7408% | 151 |
| Net loans and leases to total assets | 65.5231% | 2,975 |
| Net loans and leases to deposits | 91.1931% | 1,380 |
| Net loans and leases to core deposits | 91.5322% | 2,144 |
| Total domestic deposits to total assets | 71.8509% | 6,094 |
| Equity capital to assets | 16.3166% | 499 |
| Core capital (leverage) ratio | 17.4779% | 326 |
| Tier 1 risk-based capital ratio | 22.2197% | 1,193 |
| Total risk-based capital ratio | 23.7046% | 1,141 |
| Memoranda: | ||
| Average total assets | $6,365,881,800 | 157 |
| Average earning assets | $5,914,889,800 | 154 |
| Average equity | $1,006,100,800 | 134 |
| Average total loans | $4,050,727,400 | 168 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 2,349 |
| Cost of funding earning assets | 0.5364% | 2,408 |
| Net interest margin | 3.8334% | 2,500 |
| Noninterest income to average assets | 0.5671% | 3,085 |
| Noninterest expense to average assets | 3.0500% | 2,637 |
| Loan and lease loss provision to assets | -0.1986% | 6,384 |
| Net operating income to assets | 0.7928% | 3,454 |
| Return on assets (ROA) | 0.6591% | 4,269 |
| Pretax return on assets | 1.0838% | 3,251 |
| Return on Equity (ROE) | 4.2043% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.2043% | 3,658 |
| Net charge-offs to loans | -0.1589% | 6,255 |
| Credit loss provision to net charge-offs | 198.8698% | 1,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5484% | 2,891 |
| Assets per employee ($millions) | 11.0431% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 1,194 |
| Loan loss allowance to noncurrent loans | 27.1556% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 5.6906% | 255 |
| Noncurrent loans to loans | 7.4962% | 146 |
| Net loans and leases to total assets | 62.4549% | 3,416 |
| Net loans and leases to deposits | 85.8837% | 1,915 |
| Net loans and leases to core deposits | 86.2108% | 2,644 |
| Total domestic deposits to total assets | 72.7203% | 6,113 |
| Equity capital to assets | 16.2633% | 527 |
| Core capital (leverage) ratio | 16.8566% | 388 |
| Tier 1 risk-based capital ratio | 23.0221% | 1,105 |
| Total risk-based capital ratio | 24.5843% | 1,055 |
| Memoranda: | ||
| Average total assets | $6,379,014,000 | 155 |
| Average earning assets | $5,934,823,500 | 150 |
| Average equity | $1,000,095,000 | 135 |
| Average total loans | $4,010,088,500 | 167 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 2,527 |
| Cost of funding earning assets | 0.5303% | 2,535 |
| Net interest margin | 3.7879% | 2,609 |
| Noninterest income to average assets | 0.4340% | 3,996 |
| Noninterest expense to average assets | 3.0953% | 2,517 |
| Loan and lease loss provision to assets | -0.2719% | 6,516 |
| Net operating income to assets | 0.6350% | 4,182 |
| Return on assets (ROA) | 0.7571% | 3,633 |
| Pretax return on assets | 1.3299% | 2,147 |
| Return on Equity (ROE) | 4.8888% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.8888% | 3,026 |
| Net charge-offs to loans | -0.1833% | 6,325 |
| Credit loss provision to net charge-offs | 237.1397% | 1,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8983% | 2,303 |
| Assets per employee ($millions) | 11.3491% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 1,312 |
| Loan loss allowance to noncurrent loans | 25.3030% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 5.8825% | 263 |
| Noncurrent loans to loans | 8.0127% | 127 |
| Net loans and leases to total assets | 61.7603% | 3,443 |
| Net loans and leases to deposits | 83.4461% | 2,096 |
| Net loans and leases to core deposits | 83.7713% | 2,763 |
| Total domestic deposits to total assets | 74.0122% | 6,113 |
| Equity capital to assets | 15.9471% | 563 |
| Core capital (leverage) ratio | 16.5403% | 409 |
| Tier 1 risk-based capital ratio | 22.5748% | 1,176 |
| Total risk-based capital ratio | 24.1534% | 1,110 |
| Memoranda: | ||
| Average total assets | $6,414,518,670 | 155 |
| Average earning assets | $5,972,750,000 | 149 |
| Average equity | $993,421,330 | 134 |
| Average total loans | $4,013,822,670 | 166 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,434 |
| Cost of funding earning assets | 0.5246% | 2,665 |
| Net interest margin | 3.5370% | 3,537 |
| Noninterest income to average assets | 0.6516% | 2,454 |
| Noninterest expense to average assets | 3.0241% | 2,791 |
| Loan and lease loss provision to assets | 0.0639% | 2,845 |
| Net operating income to assets | 0.4914% | 4,732 |
| Return on assets (ROA) | 0.4986% | 4,782 |
| Pretax return on assets | 0.8683% | 3,832 |
| Return on Equity (ROE) | 3.2674% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.2674% | 4,158 |
| Net charge-offs to loans | 0.0326% | 2,935 |
| Credit loss provision to net charge-offs | 314.3293% | 775 |
| Earnings coverage of net charge-offs (x) | 45.4451% | 812 |
| Efficiency ratio | 76.3413% | 2,744 |
| Assets per employee ($millions) | 11.4874% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 1,271 |
| Loan loss allowance to noncurrent loans | 23.6784% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 6.4641% | 248 |
| Noncurrent loans to loans | 9.0018% | 129 |
| Net loans and leases to total assets | 61.6453% | 3,292 |
| Net loans and leases to deposits | 82.8099% | 1,970 |
| Net loans and leases to core deposits | 83.1339% | 2,627 |
| Total domestic deposits to total assets | 74.4419% | 6,206 |
| Equity capital to assets | 15.3894% | 620 |
| Core capital (leverage) ratio | 16.0920% | 469 |
| Tier 1 risk-based capital ratio | 21.7403% | 1,334 |
| Total risk-based capital ratio | 23.3974% | 1,248 |
| Memoranda: | ||
| Average total assets | $6,449,701,000 | 159 |
| Average earning assets | $6,012,020,000 | 148 |
| Average equity | $984,277,000 | 136 |
| Average total loans | $4,021,109,500 | 166 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 5,528 |
| Cost of funding earning assets | 0.5177% | 3,423 |
| Net interest margin | 3.0353% | 5,494 |
| Noninterest income to average assets | 2.5408% | 273 |
| Noninterest expense to average assets | 2.9391% | 3,232 |
| Loan and lease loss provision to assets | 0.0140% | 4,847 |
| Net operating income to assets | 1.3331% | 1,174 |
| Return on assets (ROA) | 1.3166% | 1,246 |
| Pretax return on assets | 2.4292% | 220 |
| Return on Equity (ROE) | 8.4711% | 2,794 |
| Retained earnings to average equity (ytd only) | -30.1268% | 6,719 |
| Net charge-offs to loans | 0.0975% | 3,864 |
| Credit loss provision to net charge-offs | 27.6280% | 4,297 |
| Earnings coverage of net charge-offs (x) | 48.7541% | 813 |
| Efficiency ratio | 54.2964% | 6,109 |
| Assets per employee ($millions) | 11.2644% | 162 |
| Cash dividends to net income (ytd only)* | 455.6414% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1703% | 1,217 |
| Loan loss allowance to noncurrent loans | 22.7799% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 6.7097% | 262 |
| Noncurrent loans to loans | 9.5271% | 128 |
| Net loans and leases to total assets | 60.3609% | 3,649 |
| Net loans and leases to deposits | 80.0122% | 2,456 |
| Net loans and leases to core deposits | 80.3049% | 3,092 |
| Total domestic deposits to total assets | 75.4396% | 6,147 |
| Equity capital to assets | 15.1315% | 652 |
| Core capital (leverage) ratio | 15.3728% | 560 |
| Tier 1 risk-based capital ratio | 21.9365% | 1,269 |
| Total risk-based capital ratio | 23.4129% | 1,207 |
| Memoranda: | ||
| Average total assets | $8,001,081,400 | 128 |
| Average earning assets | $7,543,903,200 | 123 |
| Average equity | $1,243,590,400 | 109 |
| Average total loans | $4,145,541,600 | 155 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 5,511 |
| Cost of funding earning assets | 0.5269% | 3,499 |
| Net interest margin | 3.0491% | 5,469 |
| Noninterest income to average assets | 4.6260% | 151 |
| Noninterest expense to average assets | 2.6284% | 4,285 |
| Loan and lease loss provision to assets | 0.0199% | 4,608 |
| Net operating income to assets | 2.7619% | 136 |
| Return on assets (ROA) | 2.7681% | 139 |
| Pretax return on assets | 4.8836% | 56 |
| Return on Equity (ROE) | 17.7200% | 464 |
| Retained earnings to average equity (ytd only) | -31.0900% | 6,812 |
| Net charge-offs to loans | 0.1287% | 3,239 |
| Credit loss provision to net charge-offs | 30.9765% | 3,877 |
| Earnings coverage of net charge-offs (x) | 75.9135% | 623 |
| Efficiency ratio | 34.9607% | 6,810 |
| Assets per employee ($millions) | 11.6193% | 151 |
| Cash dividends to net income (ytd only)* | 275.4521% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1642% | 1,390 |
| Loan loss allowance to noncurrent loans | 21.3869% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 6.8359% | 309 |
| Noncurrent loans to loans | 10.1195% | 127 |
| Net loans and leases to total assets | 58.6720% | 3,898 |
| Net loans and leases to deposits | 79.6815% | 2,452 |
| Net loans and leases to core deposits | 79.9317% | 3,141 |
| Total domestic deposits to total assets | 73.6332% | 6,393 |
| Equity capital to assets | 15.4617% | 633 |
| Core capital (leverage) ratio | 15.8849% | 508 |
| Tier 1 risk-based capital ratio | 23.8578% | 1,024 |
| Total risk-based capital ratio | 25.2068% | 997 |
| Memoranda: | ||
| Average total assets | $8,393,357,750 | 124 |
| Average earning assets | $7,928,661,500 | 119 |
| Average equity | $1,311,174,250 | 108 |
| Average total loans | $4,189,795,000 | 154 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 5,925 |
| Cost of funding earning assets | 0.5543% | 3,367 |
| Net interest margin | 2.8386% | 5,926 |
| Noninterest income to average assets | 6.2320% | 114 |
| Noninterest expense to average assets | 2.5489% | 4,566 |
| Loan and lease loss provision to assets | 0.0044% | 4,732 |
| Net operating income to assets | 3.5835% | 79 |
| Return on assets (ROA) | 3.6428% | 80 |
| Pretax return on assets | 6.4705% | 43 |
| Return on Equity (ROE) | 23.2604% | 167 |
| Retained earnings to average equity (ytd only) | 23.2604% | 60 |
| Net charge-offs to loans | 0.1543% | 2,867 |
| Credit loss provision to net charge-offs | 6.0292% | 3,940 |
| Earnings coverage of net charge-offs (x) | 87.0222% | 525 |
| Efficiency ratio | 28.5353% | 6,888 |
| Assets per employee ($millions) | 12.2220% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 1,676 |
| Loan loss allowance to noncurrent loans | 19.7304% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 6.8439% | 350 |
| Noncurrent loans to loans | 10.5438% | 138 |
| Net loans and leases to total assets | 56.5940% | 4,194 |
| Net loans and leases to deposits | 79.2746% | 2,424 |
| Net loans and leases to core deposits | 79.4552% | 3,096 |
| Total domestic deposits to total assets | 71.3898% | 6,595 |
| Equity capital to assets | 21.1000% | 165 |
| Core capital (leverage) ratio | 20.4454% | 174 |
| Tier 1 risk-based capital ratio | 33.7669% | 378 |
| Total risk-based capital ratio | 35.1665% | 366 |
| Memoranda: | ||
| Average total assets | $8,975,738,670 | 121 |
| Average earning assets | $8,489,062,670 | 116 |
| Average equity | $1,405,693,000 | 102 |
| Average total loans | $4,257,817,000 | 145 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1287% | 6,374 |
| Cost of funding earning assets | 0.6171% | 2,948 |
| Net interest margin | 2.5116% | 6,497 |
| Noninterest income to average assets | 0.3184% | 5,146 |
| Noninterest expense to average assets | 2.1608% | 5,779 |
| Loan and lease loss provision to assets | 0.0295% | 4,087 |
| Net operating income to assets | 0.2641% | 5,684 |
| Return on assets (ROA) | 0.3745% | 5,374 |
| Pretax return on assets | 0.6906% | 4,617 |
| Return on Equity (ROE) | 2.7345% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.7345% | 4,646 |
| Net charge-offs to loans | 0.1234% | 2,684 |
| Credit loss provision to net charge-offs | 54.7637% | 2,535 |
| Earnings coverage of net charge-offs (x) | 9.9070% | 1,793 |
| Efficiency ratio | 80.0090% | 2,330 |
| Assets per employee ($millions) | 10.7826% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 1,890 |
| Loan loss allowance to noncurrent loans | 18.9295% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 5.3305% | 656 |
| Noncurrent loans to loans | 10.8853% | 175 |
| Net loans and leases to total assets | 42.7524% | 5,783 |
| Net loans and leases to deposits | 50.6426% | 5,737 |
| Net loans and leases to core deposits | 51.0812% | 5,893 |
| Total domestic deposits to total assets | 84.4198% | 4,306 |
| Equity capital to assets | 13.8651% | 1,071 |
| Core capital (leverage) ratio | 14.3566% | 704 |
| Tier 1 risk-based capital ratio | 28.5234% | 611 |
| Total risk-based capital ratio | 29.9382% | 590 |
| Memoranda: | ||
| Average total assets | $9,888,666,000 | 111 |
| Average earning assets | $9,357,352,000 | 110 |
| Average equity | $1,354,227,000 | 107 |
| Average total loans | $4,320,539,500 | 149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1867% | 6,670 |
| Cost of funding earning assets | 0.7150% | 3,366 |
| Net interest margin | 2.4718% | 6,729 |
| Noninterest income to average assets | 0.3028% | 5,288 |
| Noninterest expense to average assets | 2.0126% | 6,301 |
| Loan and lease loss provision to assets | 0.0261% | 5,565 |
| Net operating income to assets | 0.5367% | 4,531 |
| Return on assets (ROA) | 0.7680% | 3,673 |
| Pretax return on assets | 0.7666% | 4,425 |
| Return on Equity (ROE) | 6.7005% | 3,813 |
| Retained earnings to average equity (ytd only) | -0.2659% | 5,900 |
| Net charge-offs to loans | 0.2662% | 3,345 |
| Credit loss provision to net charge-offs | 24.3310% | 5,217 |
| Earnings coverage of net charge-offs (x) | 5.2412% | 3,096 |
| Efficiency ratio | 78.0459% | 2,441 |
| Assets per employee ($millions) | 11.0240% | 177 |
| Cash dividends to net income (ytd only)* | 103.9681% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 1,899 |
| Loan loss allowance to noncurrent loans | 19.1999% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 5.2442% | 727 |
| Noncurrent loans to loans | 10.6662% | 200 |
| Net loans and leases to total assets | 42.8358% | 5,911 |
| Net loans and leases to deposits | 50.5298% | 5,920 |
| Net loans and leases to core deposits | 50.9145% | 6,093 |
| Total domestic deposits to total assets | 84.7734% | 3,958 |
| Equity capital to assets | 13.5262% | 1,215 |
| Core capital (leverage) ratio | 13.6000% | 914 |
| Tier 1 risk-based capital ratio | 28.1352% | 617 |
| Total risk-based capital ratio | 29.4425% | 599 |
| Memoranda: | ||
| Average total assets | $11,271,552,000 | 105 |
| Average earning assets | $10,356,476,400 | 99 |
| Average equity | $1,291,927,000 | 110 |
| Average total loans | $4,534,771,400 | 134 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 6,742 |
| Cost of funding earning assets | 0.6177% | 4,476 |
| Net interest margin | 2.6658% | 6,690 |
| Noninterest income to average assets | 0.3755% | 4,821 |
| Noninterest expense to average assets | 1.9478% | 6,449 |
| Loan and lease loss provision to assets | -0.0683% | 7,012 |
| Net operating income to assets | 0.4412% | 5,072 |
| Return on assets (ROA) | 0.6009% | 4,653 |
| Pretax return on assets | 1.1195% | 3,277 |
| Return on Equity (ROE) | 4.8242% | 4,908 |
| Retained earnings to average equity (ytd only) | -7.3292% | 6,727 |
| Net charge-offs to loans | 0.2153% | 3,437 |
| Credit loss provision to net charge-offs | -71.8098% | 6,213 |
| Earnings coverage of net charge-offs (x) | 8.3858% | 2,454 |
| Efficiency ratio | 70.7589% | 3,543 |
| Assets per employee ($millions) | 13.6869% | 109 |
| Cash dividends to net income (ytd only)* | 251.9244% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1853% | 1,733 |
| Loan loss allowance to noncurrent loans | 24.5789% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 4.1720% | 1,144 |
| Noncurrent loans to loans | 8.8908% | 316 |
| Net loans and leases to total assets | 41.0901% | 6,191 |
| Net loans and leases to deposits | 59.3055% | 5,284 |
| Net loans and leases to core deposits | 59.4005% | 5,616 |
| Total domestic deposits to total assets | 69.2855% | 6,878 |
| Equity capital to assets | 12.3091% | 2,033 |
| Core capital (leverage) ratio | 13.3692% | 1,051 |
| Tier 1 risk-based capital ratio | 24.7412% | 930 |
| Total risk-based capital ratio | 26.1471% | 911 |
| Memoranda: | ||
| Average total assets | $7,926,815,250 | 130 |
| Average earning assets | $7,048,105,000 | 129 |
| Average equity | $987,349,500 | 129 |
| Average total loans | $3,504,380,750 | 163 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3542% | 6,775 |
| Cost of funding earning assets | 0.6327% | 4,601 |
| Net interest margin | 2.7214% | 6,684 |
| Noninterest income to average assets | 0.3363% | 5,140 |
| Noninterest expense to average assets | 1.9481% | 6,520 |
| Loan and lease loss provision to assets | -0.1421% | 7,127 |
| Net operating income to assets | 0.4919% | 4,855 |
| Return on assets (ROA) | 0.6291% | 4,475 |
| Pretax return on assets | 1.1622% | 3,075 |
| Return on Equity (ROE) | 5.0305% | 4,799 |
| Retained earnings to average equity (ytd only) | -13.2933% | 6,914 |
| Net charge-offs to loans | 0.1986% | 3,395 |
| Credit loss provision to net charge-offs | -159.1104% | 6,112 |
| Earnings coverage of net charge-offs (x) | 8.9912% | 2,220 |
| Efficiency ratio | 70.6754% | 3,660 |
| Assets per employee ($millions) | 13.1447% | 113 |
| Cash dividends to net income (ytd only)* | 364.2545% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2023% | 1,760 |
| Loan loss allowance to noncurrent loans | 23.3623% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 4.9251% | 974 |
| Noncurrent loans to loans | 9.4268% | 301 |
| Net loans and leases to total assets | 42.9507% | 6,115 |
| Net loans and leases to deposits | 58.8980% | 5,356 |
| Net loans and leases to core deposits | 58.9961% | 5,692 |
| Total domestic deposits to total assets | 72.9238% | 6,750 |
| Equity capital to assets | 12.5677% | 1,773 |
| Core capital (leverage) ratio | 13.1848% | 1,098 |
| Tier 1 risk-based capital ratio | 23.9279% | 1,021 |
| Total risk-based capital ratio | 25.1964% | 1,003 |
| Memoranda: | ||
| Average total assets | $7,854,517,330 | 131 |
| Average earning assets | $6,969,300,000 | 129 |
| Average equity | $982,326,000 | 127 |
| Average total loans | $3,532,168,330 | 161 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 6,790 |
| Cost of funding earning assets | 0.6586% | 4,651 |
| Net interest margin | 2.7584% | 6,703 |
| Noninterest income to average assets | 0.4014% | 4,661 |
| Noninterest expense to average assets | 1.9274% | 6,594 |
| Loan and lease loss provision to assets | -0.2681% | 7,226 |
| Net operating income to assets | 0.6122% | 4,297 |
| Return on assets (ROA) | 0.8481% | 3,410 |
| Pretax return on assets | 1.5623% | 1,698 |
| Return on Equity (ROE) | 6.7978% | 3,894 |
| Retained earnings to average equity (ytd only) | -29.7996% | 7,130 |
| Net charge-offs to loans | 0.1169% | 3,416 |
| Credit loss provision to net charge-offs | -504.1985% | 5,785 |
| Earnings coverage of net charge-offs (x) | 17.3845% | 1,305 |
| Efficiency ratio | 67.4542% | 4,278 |
| Assets per employee ($millions) | 13.4450% | 114 |
| Cash dividends to net income (ytd only)* | 538.3741% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 1,833 |
| Loan loss allowance to noncurrent loans | 23.7047% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 5.0386% | 1,031 |
| Noncurrent loans to loans | 9.3881% | 342 |
| Net loans and leases to total assets | 44.0288% | 6,008 |
| Net loans and leases to deposits | 58.5068% | 5,321 |
| Net loans and leases to core deposits | 58.5945% | 5,663 |
| Total domestic deposits to total assets | 75.2540% | 6,615 |
| Equity capital to assets | 12.1712% | 1,931 |
| Core capital (leverage) ratio | 12.3314% | 1,419 |
| Tier 1 risk-based capital ratio | 22.2345% | 1,247 |
| Total risk-based capital ratio | 23.4929% | 1,221 |
| Memoranda: | ||
| Average total assets | $7,884,373,000 | 129 |
| Average earning assets | $7,003,852,500 | 130 |
| Average equity | $983,677,000 | 125 |
| Average total loans | $3,586,594,500 | 159 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4560% | 7,017 |
| Cost of funding earning assets | 0.8908% | 4,183 |
| Net interest margin | 2.5652% | 7,021 |
| Noninterest income to average assets | 0.6766% | 2,745 |
| Noninterest expense to average assets | 1.9036% | 6,823 |
| Loan and lease loss provision to assets | -0.0148% | 7,220 |
| Net operating income to assets | 0.6279% | 3,841 |
| Return on assets (ROA) | 0.6045% | 4,164 |
| Pretax return on assets | 1.1170% | 2,773 |
| Return on Equity (ROE) | 5.0120% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.0120% | 2,636 |
| Net charge-offs to loans | 0.3178% | 3,801 |
| Credit loss provision to net charge-offs | -10.7000% | 6,616 |
| Earnings coverage of net charge-offs (x) | 7.7208% | 2,282 |
| Efficiency ratio | 63.9913% | 5,133 |
| Assets per employee ($millions) | 13.9347% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3071% | 1,609 |
| Loan loss allowance to noncurrent loans | 24.7861% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 5.0502% | 1,055 |
| Noncurrent loans to loans | 9.3082% | 367 |
| Net loans and leases to total assets | 44.8791% | 6,126 |
| Net loans and leases to deposits | 59.5426% | 5,540 |
| Net loans and leases to core deposits | 59.6295% | 5,881 |
| Total domestic deposits to total assets | 75.3731% | 6,553 |
| Equity capital to assets | 12.7748% | 1,614 |
| Core capital (leverage) ratio | 12.7881% | 1,229 |
| Tier 1 risk-based capital ratio | 21.4643% | 1,329 |
| Total risk-based capital ratio | 22.7211% | 1,295 |
| Memoranda: | ||
| Average total assets | $8,322,432,000 | 123 |
| Average earning assets | $7,438,065,800 | 123 |
| Average equity | $1,003,851,600 | 124 |
| Average total loans | $3,613,690,000 | 157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 7,103 |
| Cost of funding earning assets | 0.9398% | 4,115 |
| Net interest margin | 2.5192% | 7,126 |
| Noninterest income to average assets | -0.3611% | 7,319 |
| Noninterest expense to average assets | 1.8701% | 6,890 |
| Loan and lease loss provision to assets | -0.0220% | 7,310 |
| Net operating income to assets | 0.0032% | 6,152 |
| Return on assets (ROA) | 0.1261% | 6,017 |
| Pretax return on assets | 0.2428% | 5,820 |
| Return on Equity (ROE) | 1.0600% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.0600% | 5,594 |
| Net charge-offs to loans | 0.3237% | 3,478 |
| Credit loss provision to net charge-offs | -15.8966% | 6,422 |
| Earnings coverage of net charge-offs (x) | 0.1690% | 5,476 |
| Efficiency ratio | 98.5742% | 716 |
| Assets per employee ($millions) | 13.6438% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4837% | 1,418 |
| Loan loss allowance to noncurrent loans | 24.7522% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 5.2368% | 1,091 |
| Noncurrent loans to loans | 10.0342% | 356 |
| Net loans and leases to total assets | 42.1061% | 6,497 |
| Net loans and leases to deposits | 55.9310% | 6,040 |
| Net loans and leases to core deposits | 56.0101% | 6,320 |
| Total domestic deposits to total assets | 75.2823% | 6,608 |
| Equity capital to assets | 12.1676% | 2,130 |
| Core capital (leverage) ratio | 11.5585% | 1,982 |
| Tier 1 risk-based capital ratio | 20.8550% | 1,487 |
| Total risk-based capital ratio | 22.1147% | 1,458 |
| Memoranda: | ||
| Average total assets | $8,410,381,250 | 124 |
| Average earning assets | $7,527,362,000 | 124 |
| Average equity | $1,000,256,750 | 125 |
| Average total loans | $3,601,705,000 | 157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 7,167 |
| Cost of funding earning assets | 0.9522% | 4,300 |
| Net interest margin | 2.5320% | 7,167 |
| Noninterest income to average assets | 0.3146% | 5,379 |
| Noninterest expense to average assets | 1.8880% | 6,968 |
| Loan and lease loss provision to assets | 0.0032% | 6,202 |
| Net operating income to assets | 0.3542% | 5,156 |
| Return on assets (ROA) | 0.5255% | 4,539 |
| Pretax return on assets | 0.9634% | 3,380 |
| Return on Equity (ROE) | 4.4511% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.4511% | 3,360 |
| Net charge-offs to loans | 0.3437% | 3,189 |
| Credit loss provision to net charge-offs | 2.2101% | 5,319 |
| Earnings coverage of net charge-offs (x) | 4.7295% | 2,794 |
| Efficiency ratio | 72.9790% | 3,546 |
| Assets per employee ($millions) | 13.8613% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6350% | 1,262 |
| Loan loss allowance to noncurrent loans | 22.7464% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 5.5950% | 1,046 |
| Noncurrent loans to loans | 11.5844% | 283 |
| Net loans and leases to total assets | 40.0024% | 6,743 |
| Net loans and leases to deposits | 51.5219% | 6,499 |
| Net loans and leases to core deposits | 51.5834% | 6,687 |
| Total domestic deposits to total assets | 77.6415% | 6,351 |
| Equity capital to assets | 12.0976% | 2,030 |
| Core capital (leverage) ratio | 11.4682% | 1,933 |
| Tier 1 risk-based capital ratio | 21.3632% | 1,352 |
| Total risk-based capital ratio | 22.7277% | 1,311 |
| Memoranda: | ||
| Average total assets | $8,507,818,000 | 122 |
| Average earning assets | $7,619,179,670 | 121 |
| Average equity | $1,004,418,000 | 123 |
| Average total loans | $3,633,852,670 | 155 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5859% | 7,148 |
| Cost of funding earning assets | 0.9817% | 4,338 |
| Net interest margin | 2.6042% | 7,119 |
| Noninterest income to average assets | 0.2083% | 6,245 |
| Noninterest expense to average assets | 1.8065% | 7,128 |
| Loan and lease loss provision to assets | 0.0485% | 5,394 |
| Net operating income to assets | 0.3597% | 5,127 |
| Return on assets (ROA) | 0.4245% | 4,922 |
| Pretax return on assets | 0.7952% | 3,913 |
| Return on Equity (ROE) | 3.6400% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.6400% | 3,996 |
| Net charge-offs to loans | 0.2377% | 3,127 |
| Credit loss provision to net charge-offs | 46.8807% | 3,817 |
| Earnings coverage of net charge-offs (x) | 7.1248% | 1,995 |
| Efficiency ratio | 70.8889% | 4,074 |
| Assets per employee ($millions) | 13.2421% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6438% | 1,266 |
| Loan loss allowance to noncurrent loans | 24.0092% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 5.8477% | 1,007 |
| Noncurrent loans to loans | 11.0118% | 340 |
| Net loans and leases to total assets | 42.3156% | 6,592 |
| Net loans and leases to deposits | 50.7134% | 6,572 |
| Net loans and leases to core deposits | 50.7685% | 6,742 |
| Total domestic deposits to total assets | 83.4407% | 4,724 |
| Equity capital to assets | 12.0053% | 1,912 |
| Core capital (leverage) ratio | 11.1094% | 2,109 |
| Tier 1 risk-based capital ratio | 20.5443% | 1,466 |
| Total risk-based capital ratio | 21.9282% | 1,425 |
| Memoranda: | ||
| Average total assets | $8,554,814,000 | 125 |
| Average earning assets | $7,670,593,500 | 125 |
| Average equity | $997,693,500 | 124 |
| Average total loans | $3,722,368,500 | 153 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 7,389 |
| Cost of funding earning assets | 1.1610% | 4,787 |
| Net interest margin | 2.3350% | 7,351 |
| Noninterest income to average assets | 0.7155% | 2,753 |
| Noninterest expense to average assets | 1.6650% | 7,367 |
| Loan and lease loss provision to assets | 0.1248% | 5,915 |
| Net operating income to assets | 0.4907% | 4,146 |
| Return on assets (ROA) | 0.7169% | 3,290 |
| Pretax return on assets | 1.3458% | 1,815 |
| Return on Equity (ROE) | 7.8973% | 2,741 |
| Retained earnings to average equity (ytd only) | 7.8973% | 1,014 |
| Net charge-offs to loans | 1.6052% | 1,352 |
| Credit loss provision to net charge-offs | 18.3740% | 6,566 |
| Earnings coverage of net charge-offs (x) | 1.7043% | 4,445 |
| Efficiency ratio | 58.9205% | 6,214 |
| Assets per employee ($millions) | 13.6993% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5491% | 1,351 |
| Loan loss allowance to noncurrent loans | 22.5354% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 6.0189% | 987 |
| Noncurrent loans to loans | 11.3114% | 335 |
| Net loans and leases to total assets | 42.4468% | 6,826 |
| Net loans and leases to deposits | 51.4933% | 6,780 |
| Net loans and leases to core deposits | 51.5620% | 6,924 |
| Total domestic deposits to total assets | 82.4316% | 5,050 |
| Equity capital to assets | 11.3350% | 2,389 |
| Core capital (leverage) ratio | 9.9585% | 3,138 |
| Tier 1 risk-based capital ratio | 18.4249% | 1,868 |
| Total risk-based capital ratio | 19.7873% | 1,798 |
| Memoranda: | ||
| Average total assets | $10,362,247,600 | 107 |
| Average earning assets | $9,348,852,400 | 104 |
| Average equity | $940,666,200 | 123 |
| Average total loans | $4,383,073,600 | 134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 7,493 |
| Cost of funding earning assets | 1.1858% | 4,939 |
| Net interest margin | 2.4146% | 7,429 |
| Noninterest income to average assets | 0.3627% | 5,256 |
| Noninterest expense to average assets | 1.6294% | 7,486 |
| Loan and lease loss provision to assets | 0.1128% | 5,906 |
| Net operating income to assets | 0.3793% | 4,845 |
| Return on assets (ROA) | 0.6184% | 3,968 |
| Pretax return on assets | 1.1543% | 2,659 |
| Return on Equity (ROE) | 7.1746% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.1746% | 1,770 |
| Net charge-offs to loans | 0.8210% | 2,398 |
| Credit loss provision to net charge-offs | 32.6695% | 6,127 |
| Earnings coverage of net charge-offs (x) | 2.6482% | 3,831 |
| Efficiency ratio | 63.9888% | 5,240 |
| Assets per employee ($millions) | 15.3678% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2643% | 661 |
| Loan loss allowance to noncurrent loans | 26.9422% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 6.1069% | 966 |
| Noncurrent loans to loans | 12.1159% | 282 |
| Net loans and leases to total assets | 40.9991% | 7,026 |
| Net loans and leases to deposits | 53.1227% | 6,828 |
| Net loans and leases to core deposits | 53.1998% | 6,999 |
| Total domestic deposits to total assets | 77.1782% | 6,444 |
| Equity capital to assets | 9.8044% | 4,410 |
| Core capital (leverage) ratio | 9.2147% | 4,342 |
| Tier 1 risk-based capital ratio | 16.5784% | 2,527 |
| Total risk-based capital ratio | 17.8560% | 2,464 |
| Memoranda: | ||
| Average total assets | $10,764,341,750 | 100 |
| Average earning assets | $9,722,164,750 | 98 |
| Average equity | $927,769,500 | 124 |
| Average total loans | $4,525,610,000 | 130 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 7,554 |
| Cost of funding earning assets | 1.2535% | 4,808 |
| Net interest margin | 2.3963% | 7,480 |
| Noninterest income to average assets | 0.2087% | 6,424 |
| Noninterest expense to average assets | 1.6503% | 7,536 |
| Loan and lease loss provision to assets | 0.1343% | 5,546 |
| Net operating income to assets | 0.3137% | 5,122 |
| Return on assets (ROA) | 0.4352% | 4,759 |
| Pretax return on assets | 0.7676% | 3,992 |
| Return on Equity (ROE) | 5.2632% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.2632% | 2,741 |
| Net charge-offs to loans | 1.2221% | 1,564 |
| Credit loss provision to net charge-offs | 26.2098% | 5,791 |
| Earnings coverage of net charge-offs (x) | 1.4123% | 4,426 |
| Efficiency ratio | 69.4525% | 4,286 |
| Assets per employee ($millions) | 15.5042% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0354% | 798 |
| Loan loss allowance to noncurrent loans | 25.2611% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 6.3295% | 909 |
| Noncurrent loans to loans | 12.0161% | 287 |
| Net loans and leases to total assets | 43.5776% | 6,956 |
| Net loans and leases to deposits | 53.5666% | 6,889 |
| Net loans and leases to core deposits | 53.6365% | 7,057 |
| Total domestic deposits to total assets | 81.3522% | 5,268 |
| Equity capital to assets | 9.4945% | 4,707 |
| Core capital (leverage) ratio | 8.0600% | 6,182 |
| Tier 1 risk-based capital ratio | 14.6295% | 3,366 |
| Total risk-based capital ratio | 15.8959% | 3,333 |
| Memoranda: | ||
| Average total assets | $11,079,114,330 | 96 |
| Average earning assets | $10,011,924,330 | 95 |
| Average equity | $916,094,000 | 124 |
| Average total loans | $4,646,818,330 | 130 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7051% | 7,634 |
| Cost of funding earning assets | 1.3785% | 4,314 |
| Net interest margin | 2.3266% | 7,580 |
| Noninterest income to average assets | 0.3783% | 5,109 |
| Noninterest expense to average assets | 1.6089% | 7,653 |
| Loan and lease loss provision to assets | 0.3951% | 2,997 |
| Net operating income to assets | 0.2586% | 5,459 |
| Return on assets (ROA) | 0.4538% | 4,727 |
| Pretax return on assets | 0.7850% | 3,933 |
| Return on Equity (ROE) | 5.8510% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.8510% | 2,691 |
| Net charge-offs to loans | 0.9043% | 1,766 |
| Credit loss provision to net charge-offs | 107.3748% | 3,201 |
| Earnings coverage of net charge-offs (x) | 2.3934% | 3,344 |
| Efficiency ratio | 64.6271% | 5,367 |
| Assets per employee ($millions) | 16.7055% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3495% | 606 |
| Loan loss allowance to noncurrent loans | 23.1679% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 7.2346% | 730 |
| Noncurrent loans to loans | 14.4575% | 202 |
| Net loans and leases to total assets | 42.4094% | 7,102 |
| Net loans and leases to deposits | 53.3987% | 6,958 |
| Net loans and leases to core deposits | 53.4897% | 7,135 |
| Total domestic deposits to total assets | 79.4202% | 5,985 |
| Equity capital to assets | 8.8003% | 5,554 |
| Core capital (leverage) ratio | 6.7452% | 7,377 |
| Tier 1 risk-based capital ratio | 14.0389% | 3,629 |
| Total risk-based capital ratio | 15.4529% | 3,505 |
| Memoranda: | ||
| Average total assets | $11,719,347,500 | 89 |
| Average earning assets | $10,634,567,500 | 89 |
| Average equity | $908,976,500 | 123 |
| Average total loans | $4,768,386,500 | 128 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5709% | 7,817 |
| Cost of funding earning assets | 1.9269% | 3,323 |
| Net interest margin | 1.6440% | 7,845 |
| Noninterest income to average assets | 0.1032% | 7,254 |
| Noninterest expense to average assets | 1.4947% | 7,812 |
| Loan and lease loss provision to assets | 1.7638% | 1,293 |
| Net operating income to assets | -0.8467% | 6,469 |
| Return on assets (ROA) | -1.4732% | 6,850 |
| Pretax return on assets | -2.6578% | 7,194 |
| Return on Equity (ROE) | -25.5614% | 7,302 |
| Retained earnings to average equity (ytd only) | -25.5614% | 7,279 |
| Net charge-offs to loans | 2.9009% | 744 |
| Credit loss provision to net charge-offs | 144.5850% | 3,298 |
| Earnings coverage of net charge-offs (x) | 0.0885% | 6,069 |
| Efficiency ratio | 93.2660% | 1,462 |
| Assets per employee ($millions) | 20.5170% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1576% | 679 |
| Loan loss allowance to noncurrent loans | 23.3320% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 6.0035% | 942 |
| Noncurrent loans to loans | 13.5336% | 220 |
| Net loans and leases to total assets | 36.8632% | 7,491 |
| Net loans and leases to deposits | 54.9916% | 6,986 |
| Net loans and leases to core deposits | 55.9076% | 7,410 |
| Total domestic deposits to total assets | 67.0342% | 7,596 |
| Equity capital to assets | 6.8979% | 7,415 |
| Core capital (leverage) ratio | 5.5058% | 7,710 |
| Tier 1 risk-based capital ratio | 11.4490% | 5,457 |
| Total risk-based capital ratio | 12.8784% | 5,224 |
| Memoranda: | ||
| Average total assets | $12,954,735,000 | 83 |
| Average earning assets | $11,815,615,000 | 79 |
| Average equity | $746,654,200 | 133 |
| Average total loans | $5,447,636,000 | 117 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 7,913 |
| Cost of funding earning assets | 2.0187% | 3,257 |
| Net interest margin | 1.6114% | 7,927 |
| Noninterest income to average assets | 0.0773% | 7,515 |
| Noninterest expense to average assets | 1.4301% | 7,915 |
| Loan and lease loss provision to assets | 2.0367% | 879 |
| Net operating income to assets | -0.9605% | 6,802 |
| Return on assets (ROA) | -1.7665% | 7,222 |
| Pretax return on assets | -3.2052% | 7,551 |
| Return on Equity (ROE) | -32.2202% | 7,648 |
| Retained earnings to average equity (ytd only) | -32.2202% | 7,634 |
| Net charge-offs to loans | 2.6557% | 681 |
| Credit loss provision to net charge-offs | 178.1895% | 2,584 |
| Earnings coverage of net charge-offs (x) | 0.1034% | 5,934 |
| Efficiency ratio | 92.3636% | 1,518 |
| Assets per employee ($millions) | 20.3674% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2888% | 512 |
| Loan loss allowance to noncurrent loans | 22.3285% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 6.4276% | 790 |
| Noncurrent loans to loans | 14.7291% | 153 |
| Net loans and leases to total assets | 38.3105% | 7,536 |
| Net loans and leases to deposits | 56.7067% | 7,044 |
| Net loans and leases to core deposits | 57.5467% | 7,489 |
| Total domestic deposits to total assets | 67.5590% | 7,605 |
| Equity capital to assets | 6.1216% | 7,836 |
| Core capital (leverage) ratio | 5.0663% | 7,917 |
| Tier 1 risk-based capital ratio | 9.7330% | 7,211 |
| Total risk-based capital ratio | 11.0215% | 7,128 |
| Memoranda: | ||
| Average total assets | $12,977,385,250 | 87 |
| Average earning assets | $11,846,876,000 | 81 |
| Average equity | $711,478,000 | 141 |
| Average total loans | $5,585,356,750 | 122 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 7,992 |
| Cost of funding earning assets | 2.1610% | 2,982 |
| Net interest margin | 1.5421% | 8,005 |
| Noninterest income to average assets | -0.0969% | 8,030 |
| Noninterest expense to average assets | 1.4815% | 7,977 |
| Loan and lease loss provision to assets | 1.7685% | 944 |
| Net operating income to assets | -0.9678% | 6,954 |
| Return on assets (ROA) | -2.0297% | 7,429 |
| Pretax return on assets | -3.6180% | 7,693 |
| Return on Equity (ROE) | -38.5439% | 7,831 |
| Retained earnings to average equity (ytd only) | -38.5439% | 7,817 |
| Net charge-offs to loans | 2.2419% | 806 |
| Credit loss provision to net charge-offs | 178.4767% | 2,566 |
| Earnings coverage of net charge-offs (x) | -0.1739% | 5,863 |
| Efficiency ratio | 113.1603% | 772 |
| Assets per employee ($millions) | 20.6089% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4371% | 954 |
| Loan loss allowance to noncurrent loans | 16.6165% | 7,304 |
| Noncurrent assets plus other real estate owned to assets | 6.5238% | 696 |
| Noncurrent loans to loans | 14.6670% | 142 |
| Net loans and leases to total assets | 40.4794% | 7,525 |
| Net loans and leases to deposits | 57.7622% | 7,042 |
| Net loans and leases to core deposits | 58.5073% | 7,505 |
| Total domestic deposits to total assets | 70.0794% | 7,466 |
| Equity capital to assets | 5.8749% | 7,951 |
| Core capital (leverage) ratio | 5.8940% | 7,944 |
| Tier 1 risk-based capital ratio | 10.6047% | 6,283 |
| Total risk-based capital ratio | 11.8627% | 6,213 |
| Memoranda: | ||
| Average total assets | $12,924,192,330 | 94 |
| Average earning assets | $11,784,763,000 | 87 |
| Average equity | $680,574,330 | 151 |
| Average total loans | $5,712,481,330 | 124 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 8,051 |
| Cost of funding earning assets | 2.4486% | 2,110 |
| Net interest margin | 1.2967% | 8,109 |
| Noninterest income to average assets | 0.0601% | 7,772 |
| Noninterest expense to average assets | 1.5383% | 7,957 |
| Loan and lease loss provision to assets | 1.5306% | 820 |
| Net operating income to assets | -0.8224% | 7,139 |
| Return on assets (ROA) | -2.0879% | 7,682 |
| Pretax return on assets | -3.8270% | 7,882 |
| Return on Equity (ROE) | -42.1960% | 8,010 |
| Retained earnings to average equity (ytd only) | -42.1960% | 7,990 |
| Net charge-offs to loans | 0.0801% | 4,376 |
| Credit loss provision to net charge-offs | 4,188.1443% | 174 |
| Earnings coverage of net charge-offs (x) | -8.3634% | 5,607 |
| Efficiency ratio | 124.7975% | 575 |
| Assets per employee ($millions) | 19.9023% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2847% | 965 |
| Loan loss allowance to noncurrent loans | 18.8529% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 5.4914% | 775 |
| Noncurrent loans to loans | 12.1187% | 171 |
| Net loans and leases to total assets | 41.7583% | 7,481 |
| Net loans and leases to deposits | 58.8674% | 6,984 |
| Net loans and leases to core deposits | 59.5855% | 7,475 |
| Total domestic deposits to total assets | 70.9361% | 7,334 |
| Equity capital to assets | 4.5898% | 8,140 |
| Core capital (leverage) ratio | 5.3705% | 8,091 |
| Tier 1 risk-based capital ratio | 9.4124% | 7,500 |
| Total risk-based capital ratio | 10.6695% | 7,449 |
| Memoranda: | ||
| Average total assets | $12,739,917,500 | 95 |
| Average earning assets | $11,519,873,500 | 91 |
| Average equity | $630,391,500 | 158 |
| Average total loans | $5,811,103,500 | 123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4938% | 7,316 |
| Cost of funding earning assets | 2.9322% | 2,137 |
| Net interest margin | 2.5616% | 7,682 |
| Noninterest income to average assets | 0.6015% | 3,833 |
| Noninterest expense to average assets | 1.3830% | 8,084 |
| Loan and lease loss provision to assets | 0.3771% | 3,426 |
| Net operating income to assets | 0.8822% | 3,081 |
| Return on assets (ROA) | -2.2217% | 7,611 |
| Pretax return on assets | -3.0551% | 7,718 |
| Return on Equity (ROE) | -37.0983% | 8,046 |
| Retained earnings to average equity (ytd only) | -37.0983% | 8,009 |
| Net charge-offs to loans | 0.0429% | 6,174 |
| Credit loss provision to net charge-offs | 1,612.3848% | 270 |
| Earnings coverage of net charge-offs (x) | 67.3011% | 602 |
| Efficiency ratio | 46.7712% | 7,884 |
| Assets per employee ($millions) | 15.2494% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 2,988 |
| Loan loss allowance to noncurrent loans | 28.2940% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 1,698 |
| Noncurrent loans to loans | 5.0798% | 857 |
| Net loans and leases to total assets | 48.1520% | 7,176 |
| Net loans and leases to deposits | 69.9302% | 6,278 |
| Net loans and leases to core deposits | 70.6602% | 7,151 |
| Total domestic deposits to total assets | 68.8573% | 7,398 |
| Equity capital to assets | 5.3516% | 8,149 |
| Core capital (leverage) ratio | 6.5910% | 7,902 |
| Tier 1 risk-based capital ratio | 9.8283% | 6,921 |
| Total risk-based capital ratio | 11.0136% | 6,896 |
| Memoranda: | ||
| Average total assets | $11,601,062,400 | 102 |
| Average earning assets | $10,666,697,400 | 100 |
| Average equity | $694,746,200 | 150 |
| Average total loans | $6,321,359,600 | 115 |