Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 3,228 |
| Cost of funding earning assets | 1.8059% | 1,239 |
| Net interest margin | 2.6242% | 3,938 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.9105% | 1,256 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.3133% | 4,007 |
| Return on assets (ROA) | 0.2774% | 4,062 |
| Pretax return on assets | 0.3547% | 4,027 |
| Return on Equity (ROE) | 4.0600% | 3,876 |
| Retained earnings to average equity (ytd only) | 1.8307% | 3,615 |
| Net charge-offs to loans | -0.0747% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.4560% | 470 |
| Assets per employee ($millions) | 7.2190% | 1,923 |
| Cash dividends to net income (ytd only)* | 54.9300% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,696 |
| Loan loss allowance to noncurrent loans | 518.9924% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,731 |
| Noncurrent loans to loans | 0.2167% | 2,448 |
| Net loans and leases to total assets | 55.2800% | 3,255 |
| Net loans and leases to deposits | 64.6952% | 3,255 |
| Net loans and leases to core deposits | 72.0797% | 3,185 |
| Total domestic deposits to total assets | 85.4500% | 2,174 |
| Equity capital to assets | 7.0143% | 3,932 |
| Core capital (leverage) ratio | 8.8932% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2542% | 1,780 |
| Memoranda: | ||
| Average total assets | $6,563,111,800 | 225 |
| Average earning assets | $6,141,953,800 | 217 |
| Average equity | $448,183,600 | 287 |
| Average total loans | $3,426,950,600 | 267 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 3,246 |
| Cost of funding earning assets | 1.6480% | 1,283 |
| Net interest margin | 2.6796% | 3,905 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.8330% | 1,361 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 0.4400% | 3,893 |
| Return on assets (ROA) | 0.4393% | 3,895 |
| Pretax return on assets | 0.5817% | 3,769 |
| Return on Equity (ROE) | 6.4800% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.4766% | 2,472 |
| Net charge-offs to loans | -0.1133% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.4423% | 588 |
| Assets per employee ($millions) | 7.2396% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 2,718 |
| Loan loss allowance to noncurrent loans | 588.3827% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 2,893 |
| Noncurrent loans to loans | 0.1924% | 2,589 |
| Net loans and leases to total assets | 52.4400% | 3,465 |
| Net loans and leases to deposits | 59.9427% | 3,505 |
| Net loans and leases to core deposits | 67.1042% | 3,372 |
| Total domestic deposits to total assets | 87.4800% | 1,746 |
| Equity capital to assets | 6.6398% | 3,779 |
| Core capital (leverage) ratio | 9.0487% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9318% | 1,585 |
| Memoranda: | ||
| Average total assets | $6,565,182,500 | 225 |
| Average earning assets | $6,150,029,250 | 217 |
| Average equity | $445,286,250 | 291 |
| Average total loans | $3,367,511,000 | 269 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 3,238 |
| Cost of funding earning assets | 1.4468% | 1,346 |
| Net interest margin | 2.7801% | 3,851 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.8377% | 1,346 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 0.5273% | 3,753 |
| Return on assets (ROA) | 0.5272% | 3,762 |
| Pretax return on assets | 0.7027% | 3,598 |
| Return on Equity (ROE) | 7.7200% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.7175% | 2,063 |
| Net charge-offs to loans | -0.1808% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.2742% | 693 |
| Assets per employee ($millions) | 7.3354% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,683 |
| Loan loss allowance to noncurrent loans | 544.5336% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 2,765 |
| Noncurrent loans to loans | 0.2123% | 2,413 |
| Net loans and leases to total assets | 51.4700% | 3,449 |
| Net loans and leases to deposits | 57.7631% | 3,551 |
| Net loans and leases to core deposits | 66.5597% | 3,321 |
| Total domestic deposits to total assets | 89.1000% | 1,221 |
| Equity capital to assets | 6.7170% | 3,908 |
| Core capital (leverage) ratio | 9.0674% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9733% | 1,581 |
| Memoranda: | ||
| Average total assets | $6,538,254,000 | 220 |
| Average earning assets | $6,136,946,000 | 214 |
| Average equity | $446,621,333 | 283 |
| Average total loans | $3,314,987,000 | 265 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 3,324 |
| Cost of funding earning assets | 1.1564% | 1,570 |
| Net interest margin | 2.9123% | 3,772 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.8303% | 1,368 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.6941% | 3,489 |
| Return on assets (ROA) | 0.6959% | 3,429 |
| Pretax return on assets | 0.9341% | 3,160 |
| Return on Equity (ROE) | 10.1000% | 2,757 |
| Retained earnings to average equity (ytd only) | 10.1012% | 1,673 |
| Net charge-offs to loans | -0.3179% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1200% | 893 |
| Assets per employee ($millions) | 7.4066% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,546 |
| Loan loss allowance to noncurrent loans | 500.8089% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,653 |
| Noncurrent loans to loans | 0.2398% | 2,304 |
| Net loans and leases to total assets | 49.9600% | 3,498 |
| Net loans and leases to deposits | 55.2484% | 3,616 |
| Net loans and leases to core deposits | 60.4087% | 3,522 |
| Total domestic deposits to total assets | 90.4200% | 1,006 |
| Equity capital to assets | 6.9678% | 3,847 |
| Core capital (leverage) ratio | 9.1635% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3423% | 1,537 |
| Memoranda: | ||
| Average total assets | $6,480,770,500 | 229 |
| Average earning assets | $6,092,202,000 | 221 |
| Average equity | $446,483,500 | 290 |
| Average total loans | $3,240,273,500 | 278 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0972% | 3,992 |
| Cost of funding earning assets | 0.3219% | 2,710 |
| Net interest margin | 2.7753% | 3,931 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.6027% | 1,822 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.6157% | 3,840 |
| Return on assets (ROA) | 0.6137% | 3,798 |
| Pretax return on assets | 0.8201% | 3,574 |
| Return on Equity (ROE) | 8.1800% | 3,339 |
| Retained earnings to average equity (ytd only) | 0.3871% | 4,287 |
| Net charge-offs to loans | -0.0112% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.1425% | 992 |
| Assets per employee ($millions) | 7.4754% | 1,632 |
| Cash dividends to net income (ytd only)* | 95.2683% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,802 |
| Loan loss allowance to noncurrent loans | 214.7231% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 1,874 |
| Noncurrent loans to loans | 0.5205% | 1,403 |
| Net loans and leases to total assets | 48.8700% | 3,599 |
| Net loans and leases to deposits | 53.6260% | 3,696 |
| Net loans and leases to core deposits | 55.6119% | 3,738 |
| Total domestic deposits to total assets | 91.1400% | 902 |
| Equity capital to assets | 6.8099% | 3,762 |
| Core capital (leverage) ratio | 9.0572% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4537% | 1,490 |
| Memoranda: | ||
| Average total assets | $6,671,040,800 | 219 |
| Average earning assets | $6,326,834,800 | 213 |
| Average equity | $500,447,400 | 264 |
| Average total loans | $3,155,413,200 | 272 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8753% | 4,089 |
| Cost of funding earning assets | 0.2097% | 3,149 |
| Net interest margin | 2.6656% | 3,994 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.5166% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6398% | 3,721 |
| Return on assets (ROA) | 0.6371% | 3,684 |
| Pretax return on assets | 0.8550% | 3,459 |
| Return on Equity (ROE) | 8.3100% | 3,232 |
| Retained earnings to average equity (ytd only) | -1.7680% | 4,477 |
| Net charge-offs to loans | -0.0108% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.5602% | 1,225 |
| Assets per employee ($millions) | 7.4618% | 1,636 |
| Cash dividends to net income (ytd only)* | 121.2762% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,752 |
| Loan loss allowance to noncurrent loans | 265.7061% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 2,186 |
| Noncurrent loans to loans | 0.4362% | 1,718 |
| Net loans and leases to total assets | 47.8500% | 3,642 |
| Net loans and leases to deposits | 51.6761% | 3,753 |
| Net loans and leases to core deposits | 53.2483% | 3,794 |
| Total domestic deposits to total assets | 92.5900% | 684 |
| Equity capital to assets | 6.6764% | 3,667 |
| Core capital (leverage) ratio | 8.7472% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7512% | 1,492 |
| Memoranda: | ||
| Average total assets | $6,729,720,500 | 222 |
| Average earning assets | $6,394,915,250 | 212 |
| Average equity | $515,983,250 | 262 |
| Average total loans | $3,148,983,000 | 271 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6339% | 4,238 |
| Cost of funding earning assets | 0.1522% | 3,542 |
| Net interest margin | 2.4817% | 4,114 |
| Noninterest income to average assets | 0.9064% | 832 |
| Noninterest expense to average assets | 2.4303% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6261% | 3,556 |
| Return on assets (ROA) | 0.6224% | 3,513 |
| Pretax return on assets | 0.8358% | 3,238 |
| Return on Equity (ROE) | 7.8022% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.8022% | 1,689 |
| Net charge-offs to loans | 0.0053% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 342.0238% | 364 |
| Efficiency ratio | 74.2965% | 1,478 |
| Assets per employee ($millions) | 7.7373% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,003 |
| Loan loss allowance to noncurrent loans | 243.4586% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 2,217 |
| Noncurrent loans to loans | 0.4670% | 1,710 |
| Net loans and leases to total assets | 46.3299% | 3,692 |
| Net loans and leases to deposits | 50.3646% | 3,795 |
| Net loans and leases to core deposits | 51.6775% | 3,836 |
| Total domestic deposits to total assets | 91.9892% | 838 |
| Equity capital to assets | 7.4410% | 3,509 |
| Core capital (leverage) ratio | 8.8748% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3708% | 1,336 |
| Memoranda: | ||
| Average total assets | $6,836,409,333 | 218 |
| Average earning assets | $6,513,237,333 | 208 |
| Average equity | $545,332,333 | 252 |
| Average total loans | $3,164,387,333 | 268 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4781% | 4,293 |
| Cost of funding earning assets | 0.1303% | 3,770 |
| Net interest margin | 2.3478% | 4,152 |
| Noninterest income to average assets | 1.0421% | 630 |
| Noninterest expense to average assets | 2.3930% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6601% | 3,196 |
| Return on assets (ROA) | 0.6562% | 3,187 |
| Pretax return on assets | 0.8837% | 2,838 |
| Return on Equity (ROE) | 7.9679% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.9679% | 1,597 |
| Net charge-offs to loans | -0.0602% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9169% | 1,866 |
| Assets per employee ($millions) | 7.8992% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,074 |
| Loan loss allowance to noncurrent loans | 181.0951% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 1,944 |
| Noncurrent loans to loans | 0.6382% | 1,475 |
| Net loans and leases to total assets | 44.8166% | 3,675 |
| Net loans and leases to deposits | 48.8898% | 3,823 |
| Net loans and leases to core deposits | 50.2716% | 3,857 |
| Total domestic deposits to total assets | 91.6686% | 713 |
| Equity capital to assets | 7.8244% | 3,706 |
| Core capital (leverage) ratio | 8.7086% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5174% | 1,378 |
| Memoranda: | ||
| Average total assets | $6,912,100,000 | 217 |
| Average earning assets | $6,593,376,000 | 206 |
| Average equity | $569,281,000 | 250 |
| Average total loans | $3,180,187,000 | 265 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8588% | 4,121 |
| Cost of funding earning assets | 0.1351% | 4,113 |
| Net interest margin | 2.7237% | 3,832 |
| Noninterest income to average assets | 0.9236% | 1,149 |
| Noninterest expense to average assets | 2.4154% | 2,442 |
| Loan and lease loss provision to assets | -0.0851% | 4,492 |
| Net operating income to assets | 0.9120% | 2,994 |
| Return on assets (ROA) | 0.9106% | 3,066 |
| Pretax return on assets | 1.1916% | 2,692 |
| Return on Equity (ROE) | 9.5208% | 2,713 |
| Retained earnings to average equity (ytd only) | -5.1840% | 4,713 |
| Net charge-offs to loans | 0.2924% | 299 |
| Credit loss provision to net charge-offs | -55.0397% | 3,266 |
| Earnings coverage of net charge-offs (x) | 7.1665% | 2,358 |
| Efficiency ratio | 68.5408% | 1,917 |
| Assets per employee ($millions) | 7.8550% | 1,414 |
| Cash dividends to net income (ytd only)* | 154.4489% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 3,333 |
| Loan loss allowance to noncurrent loans | 174.1391% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 2,003 |
| Noncurrent loans to loans | 0.6347% | 1,567 |
| Net loans and leases to total assets | 46.1598% | 3,678 |
| Net loans and leases to deposits | 50.8504% | 3,827 |
| Net loans and leases to core deposits | 52.3436% | 3,868 |
| Total domestic deposits to total assets | 90.7757% | 592 |
| Equity capital to assets | 8.6467% | 3,939 |
| Core capital (leverage) ratio | 8.6767% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1175% | 1,476 |
| Memoranda: | ||
| Average total assets | $6,755,038,400 | 210 |
| Average earning assets | $6,448,542,400 | 204 |
| Average equity | $646,049,400 | 232 |
| Average total loans | $3,573,196,000 | 237 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9333% | 4,114 |
| Cost of funding earning assets | 0.1387% | 4,201 |
| Net interest margin | 2.7947% | 3,793 |
| Noninterest income to average assets | 0.9274% | 1,196 |
| Noninterest expense to average assets | 2.3954% | 2,454 |
| Loan and lease loss provision to assets | -0.0347% | 4,409 |
| Net operating income to assets | 0.9145% | 3,203 |
| Return on assets (ROA) | 0.9130% | 3,276 |
| Pretax return on assets | 1.2342% | 2,822 |
| Return on Equity (ROE) | 9.3161% | 2,998 |
| Retained earnings to average equity (ytd only) | 2.2238% | 4,131 |
| Net charge-offs to loans | 0.1883% | 447 |
| Credit loss provision to net charge-offs | -33.8688% | 3,110 |
| Earnings coverage of net charge-offs (x) | 11.7083% | 1,985 |
| Efficiency ratio | 66.5921% | 2,022 |
| Assets per employee ($millions) | 7.7255% | 1,433 |
| Cash dividends to net income (ytd only)* | 76.1300% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 2,160 |
| Loan loss allowance to noncurrent loans | 155.0195% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 1,722 |
| Noncurrent loans to loans | 0.8804% | 1,303 |
| Net loans and leases to total assets | 47.7116% | 3,652 |
| Net loans and leases to deposits | 53.2373% | 3,798 |
| Net loans and leases to core deposits | 54.9335% | 3,858 |
| Total domestic deposits to total assets | 89.6206% | 955 |
| Equity capital to assets | 9.6778% | 3,213 |
| Core capital (leverage) ratio | 9.3999% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4775% | 1,254 |
| Memoranda: | ||
| Average total assets | $6,713,731,500 | 213 |
| Average earning assets | $6,412,873,000 | 206 |
| Average equity | $657,968,750 | 228 |
| Average total loans | $3,658,974,250 | 234 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9232% | 4,185 |
| Cost of funding earning assets | 0.1462% | 4,235 |
| Net interest margin | 2.7770% | 3,838 |
| Noninterest income to average assets | 0.9663% | 1,127 |
| Noninterest expense to average assets | 2.4248% | 2,379 |
| Loan and lease loss provision to assets | 0.0299% | 2,377 |
| Net operating income to assets | 0.8621% | 3,325 |
| Return on assets (ROA) | 0.8612% | 3,407 |
| Pretax return on assets | 1.1633% | 3,018 |
| Return on Equity (ROE) | 8.7507% | 3,177 |
| Retained earnings to average equity (ytd only) | -1.1355% | 4,618 |
| Net charge-offs to loans | 0.3154% | 272 |
| Credit loss provision to net charge-offs | 16.7757% | 1,748 |
| Earnings coverage of net charge-offs (x) | 6.6920% | 1,948 |
| Efficiency ratio | 66.9943% | 2,017 |
| Assets per employee ($millions) | 7.4262% | 1,521 |
| Cash dividends to net income (ytd only)* | 112.9767% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,362 |
| Loan loss allowance to noncurrent loans | 153.5628% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 1,806 |
| Noncurrent loans to loans | 0.8570% | 1,439 |
| Net loans and leases to total assets | 52.3134% | 3,314 |
| Net loans and leases to deposits | 58.3689% | 3,513 |
| Net loans and leases to core deposits | 60.2571% | 3,604 |
| Total domestic deposits to total assets | 89.6254% | 963 |
| Equity capital to assets | 9.6776% | 3,175 |
| Core capital (leverage) ratio | 9.1769% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7223% | 1,408 |
| Memoranda: | ||
| Average total assets | $6,680,350,333 | 214 |
| Average earning assets | $6,381,499,000 | 207 |
| Average equity | $657,480,000 | 226 |
| Average total loans | $3,779,969,667 | 232 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9820% | 4,125 |
| Cost of funding earning assets | 0.1581% | 4,252 |
| Net interest margin | 2.8239% | 3,704 |
| Noninterest income to average assets | 1.1097% | 966 |
| Noninterest expense to average assets | 2.4707% | 2,263 |
| Loan and lease loss provision to assets | 0.0601% | 1,919 |
| Net operating income to assets | 0.9443% | 2,991 |
| Return on assets (ROA) | 0.9425% | 3,085 |
| Pretax return on assets | 1.2717% | 2,651 |
| Return on Equity (ROE) | 9.4966% | 2,856 |
| Retained earnings to average equity (ytd only) | -8.6671% | 4,797 |
| Net charge-offs to loans | -0.0634% | 4,487 |
| Credit loss provision to net charge-offs | -162.3377% | 2,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9335% | 2,360 |
| Assets per employee ($millions) | 7.3825% | 1,532 |
| Cash dividends to net income (ytd only)* | 191.2655% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,969 |
| Loan loss allowance to noncurrent loans | 168.3444% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 1,956 |
| Noncurrent loans to loans | 0.8301% | 1,609 |
| Net loans and leases to total assets | 56.0806% | 3,029 |
| Net loans and leases to deposits | 62.5162% | 3,275 |
| Net loans and leases to core deposits | 64.4493% | 3,373 |
| Total domestic deposits to total assets | 89.7057% | 960 |
| Equity capital to assets | 9.4934% | 3,210 |
| Core capital (leverage) ratio | 9.2917% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2538% | 1,490 |
| Memoranda: | ||
| Average total assets | $6,656,452,000 | 216 |
| Average earning assets | $6,352,453,500 | 204 |
| Average equity | $660,659,000 | 223 |
| Average total loans | $3,886,625,000 | 231 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 4,374 |
| Cost of funding earning assets | 0.3176% | 4,039 |
| Net interest margin | 2.9468% | 4,015 |
| Noninterest income to average assets | 2.3448% | 265 |
| Noninterest expense to average assets | 2.5962% | 2,558 |
| Loan and lease loss provision to assets | 0.2088% | 1,886 |
| Net operating income to assets | 1.7130% | 481 |
| Return on assets (ROA) | 1.6966% | 541 |
| Pretax return on assets | 2.3246% | 246 |
| Return on Equity (ROE) | 16.0896% | 494 |
| Retained earnings to average equity (ytd only) | 0.8033% | 4,290 |
| Net charge-offs to loans | -0.0240% | 4,474 |
| Credit loss provision to net charge-offs | -1,449.8934% | 4,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4039% | 4,504 |
| Assets per employee ($millions) | 7.1059% | 1,509 |
| Cash dividends to net income (ytd only)* | 95.0071% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,336 |
| Loan loss allowance to noncurrent loans | 161.1670% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 2,075 |
| Noncurrent loans to loans | 0.8165% | 1,715 |
| Net loans and leases to total assets | 59.1486% | 2,966 |
| Net loans and leases to deposits | 66.7148% | 3,208 |
| Net loans and leases to core deposits | 70.2721% | 3,239 |
| Total domestic deposits to total assets | 88.6589% | 1,137 |
| Equity capital to assets | 10.3668% | 2,786 |
| Core capital (leverage) ratio | 9.5211% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2757% | 1,455 |
| Memoranda: | ||
| Average total assets | $6,514,022,600 | 200 |
| Average earning assets | $6,201,836,800 | 196 |
| Average equity | $686,888,800 | 206 |
| Average total loans | $3,910,425,800 | 226 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3263% | 4,441 |
| Cost of funding earning assets | 0.3581% | 4,012 |
| Net interest margin | 2.9682% | 4,051 |
| Noninterest income to average assets | 2.6807% | 217 |
| Noninterest expense to average assets | 2.5458% | 2,704 |
| Loan and lease loss provision to assets | 0.2257% | 1,798 |
| Net operating income to assets | 2.0065% | 293 |
| Return on assets (ROA) | 1.9834% | 336 |
| Pretax return on assets | 2.7051% | 157 |
| Return on Equity (ROE) | 18.7289% | 310 |
| Retained earnings to average equity (ytd only) | 14.3690% | 232 |
| Net charge-offs to loans | 0.0433% | 2,007 |
| Credit loss provision to net charge-offs | 867.5079% | 924 |
| Earnings coverage of net charge-offs (x) | 113.7626% | 726 |
| Efficiency ratio | 46.2347% | 4,702 |
| Assets per employee ($millions) | 7.1123% | 1,422 |
| Cash dividends to net income (ytd only)* | 23.2789% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 2,914 |
| Loan loss allowance to noncurrent loans | 257.3669% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,028 |
| Noncurrent loans to loans | 0.4493% | 2,703 |
| Net loans and leases to total assets | 60.7990% | 3,130 |
| Net loans and leases to deposits | 72.1812% | 3,115 |
| Net loans and leases to core deposits | 74.8251% | 3,253 |
| Total domestic deposits to total assets | 84.2311% | 2,741 |
| Equity capital to assets | 11.3541% | 2,111 |
| Core capital (leverage) ratio | 10.2996% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5364% | 1,125 |
| Memoranda: | ||
| Average total assets | $6,497,513,000 | 200 |
| Average earning assets | $6,184,450,000 | 192 |
| Average equity | $688,074,750 | 202 |
| Average total loans | $3,902,053,500 | 224 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4258% | 4,513 |
| Cost of funding earning assets | 0.4011% | 4,031 |
| Net interest margin | 3.0247% | 4,069 |
| Noninterest income to average assets | 1.0632% | 879 |
| Noninterest expense to average assets | 2.5830% | 2,721 |
| Loan and lease loss provision to assets | 0.2478% | 1,697 |
| Net operating income to assets | 0.8303% | 2,939 |
| Return on assets (ROA) | 0.8038% | 3,152 |
| Pretax return on assets | 1.0760% | 2,788 |
| Return on Equity (ROE) | 7.7822% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.2833% | 3,276 |
| Net charge-offs to loans | 0.0926% | 1,333 |
| Credit loss provision to net charge-offs | 449.1859% | 1,306 |
| Earnings coverage of net charge-offs (x) | 24.6025% | 1,573 |
| Efficiency ratio | 65.5472% | 2,579 |
| Assets per employee ($millions) | 6.8929% | 1,508 |
| Cash dividends to net income (ytd only)* | 57.8102% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,344 |
| Loan loss allowance to noncurrent loans | 217.1725% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,119 |
| Noncurrent loans to loans | 0.4813% | 2,704 |
| Net loans and leases to total assets | 59.4401% | 3,380 |
| Net loans and leases to deposits | 66.8028% | 3,658 |
| Net loans and leases to core deposits | 69.1804% | 3,760 |
| Total domestic deposits to total assets | 88.9784% | 754 |
| Equity capital to assets | 10.0076% | 3,198 |
| Core capital (leverage) ratio | 9.3266% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4585% | 1,645 |
| Memoranda: | ||
| Average total assets | $6,456,179,667 | 198 |
| Average earning assets | $6,141,324,333 | 188 |
| Average equity | $666,829,333 | 210 |
| Average total loans | $3,845,101,667 | 226 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,397 |
| Cost of funding earning assets | 0.5087% | 3,904 |
| Net interest margin | 3.1922% | 3,878 |
| Noninterest income to average assets | 0.8911% | 1,085 |
| Noninterest expense to average assets | 2.6530% | 2,827 |
| Loan and lease loss provision to assets | 0.1931% | 1,559 |
| Net operating income to assets | 0.8086% | 2,879 |
| Return on assets (ROA) | 0.7541% | 3,156 |
| Pretax return on assets | 1.0085% | 2,818 |
| Return on Equity (ROE) | 7.1770% | 2,878 |
| Retained earnings to average equity (ytd only) | 2.5822% | 3,235 |
| Net charge-offs to loans | 0.2599% | 566 |
| Credit loss provision to net charge-offs | 125.3656% | 1,686 |
| Earnings coverage of net charge-offs (x) | 8.2482% | 1,874 |
| Efficiency ratio | 67.6112% | 2,733 |
| Assets per employee ($millions) | 6.1804% | 1,532 |
| Cash dividends to net income (ytd only)* | 64.0205% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,602 |
| Loan loss allowance to noncurrent loans | 202.9615% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 3,212 |
| Noncurrent loans to loans | 0.5022% | 2,760 |
| Net loans and leases to total assets | 58.8870% | 3,604 |
| Net loans and leases to deposits | 66.5736% | 3,828 |
| Net loans and leases to core deposits | 69.4414% | 3,914 |
| Total domestic deposits to total assets | 88.4540% | 910 |
| Equity capital to assets | 10.5045% | 3,316 |
| Core capital (leverage) ratio | 9.9365% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8594% | 1,954 |
| Memoranda: | ||
| Average total assets | $6,213,692,500 | 200 |
| Average earning assets | $5,902,841,000 | 193 |
| Average equity | $652,922,500 | 217 |
| Average total loans | $3,682,949,000 | 230 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 4,034 |
| Cost of funding earning assets | 0.6620% | 3,350 |
| Net interest margin | 3.4404% | 3,627 |
| Noninterest income to average assets | 0.8963% | 1,182 |
| Noninterest expense to average assets | 2.7282% | 2,808 |
| Loan and lease loss provision to assets | -0.1215% | 5,090 |
| Net operating income to assets | 1.1391% | 2,293 |
| Return on assets (ROA) | 1.1362% | 2,406 |
| Pretax return on assets | 1.5333% | 1,703 |
| Return on Equity (ROE) | 9.9733% | 2,308 |
| Retained earnings to average equity (ytd only) | -24.2319% | 5,148 |
| Net charge-offs to loans | -0.0099% | 4,468 |
| Credit loss provision to net charge-offs | 2,083.3333% | 179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8353% | 2,798 |
| Assets per employee ($millions) | 5.7849% | 1,803 |
| Cash dividends to net income (ytd only)* | 342.9688% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,335 |
| Loan loss allowance to noncurrent loans | 494.1278% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 3,973 |
| Noncurrent loans to loans | 0.2077% | 3,715 |
| Net loans and leases to total assets | 58.4404% | 3,730 |
| Net loans and leases to deposits | 65.9692% | 3,958 |
| Net loans and leases to core deposits | 68.0993% | 4,078 |
| Total domestic deposits to total assets | 88.5874% | 849 |
| Equity capital to assets | 10.5111% | 3,435 |
| Core capital (leverage) ratio | 9.9035% | 3,617 |
| Tier 1 risk-based capital ratio | 14.4701% | 3,035 |
| Total risk-based capital ratio | 15.3731% | 3,119 |
| Memoranda: | ||
| Average total assets | $6,171,640,800 | 193 |
| Average earning assets | $5,825,418,400 | 185 |
| Average equity | $703,110,000 | 199 |
| Average total loans | $3,619,476,800 | 223 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 3,967 |
| Cost of funding earning assets | 0.6826% | 3,293 |
| Net interest margin | 3.4963% | 3,571 |
| Noninterest income to average assets | 0.8636% | 1,231 |
| Noninterest expense to average assets | 2.6900% | 2,897 |
| Loan and lease loss provision to assets | -0.0756% | 5,147 |
| Net operating income to assets | 1.1412% | 2,408 |
| Return on assets (ROA) | 1.1402% | 2,495 |
| Pretax return on assets | 1.5423% | 1,833 |
| Return on Equity (ROE) | 9.8190% | 2,505 |
| Retained earnings to average equity (ytd only) | -33.5183% | 5,233 |
| Net charge-offs to loans | -0.0158% | 4,518 |
| Credit loss provision to net charge-offs | 817.7570% | 428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6909% | 2,911 |
| Assets per employee ($millions) | 5.6224% | 1,909 |
| Cash dividends to net income (ytd only)* | 441.3631% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 2,792 |
| Loan loss allowance to noncurrent loans | 198.2818% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 3,040 |
| Noncurrent loans to loans | 0.5781% | 2,561 |
| Net loans and leases to total assets | 58.4651% | 3,828 |
| Net loans and leases to deposits | 66.1917% | 4,050 |
| Net loans and leases to core deposits | 68.6830% | 4,125 |
| Total domestic deposits to total assets | 88.3270% | 904 |
| Equity capital to assets | 10.6433% | 3,423 |
| Core capital (leverage) ratio | 9.5877% | 4,076 |
| Tier 1 risk-based capital ratio | 14.1008% | 3,279 |
| Total risk-based capital ratio | 15.1019% | 3,309 |
| Memoranda: | ||
| Average total assets | $6,172,880,000 | 194 |
| Average earning assets | $5,816,285,500 | 188 |
| Average equity | $716,840,500 | 201 |
| Average total loans | $3,614,047,750 | 225 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 3,917 |
| Cost of funding earning assets | 0.6748% | 3,299 |
| Net interest margin | 3.5294% | 3,505 |
| Noninterest income to average assets | 0.8182% | 1,290 |
| Noninterest expense to average assets | 2.7054% | 2,883 |
| Loan and lease loss provision to assets | -0.1130% | 5,218 |
| Net operating income to assets | 1.1287% | 2,410 |
| Return on assets (ROA) | 1.1288% | 2,483 |
| Pretax return on assets | 1.5494% | 1,702 |
| Return on Equity (ROE) | 9.4603% | 2,653 |
| Retained earnings to average equity (ytd only) | -53.6010% | 5,289 |
| Net charge-offs to loans | -0.0187% | 4,523 |
| Credit loss provision to net charge-offs | 1,038.5757% | 333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3150% | 2,917 |
| Assets per employee ($millions) | 5.5184% | 1,952 |
| Cash dividends to net income (ytd only)* | 666.5904% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,539 |
| Loan loss allowance to noncurrent loans | 188.9564% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 2,974 |
| Noncurrent loans to loans | 0.6335% | 2,352 |
| Net loans and leases to total assets | 56.8856% | 4,018 |
| Net loans and leases to deposits | 64.0910% | 4,220 |
| Net loans and leases to core deposits | 66.5060% | 4,290 |
| Total domestic deposits to total assets | 88.7576% | 762 |
| Equity capital to assets | 10.3694% | 3,632 |
| Core capital (leverage) ratio | 9.0686% | 4,575 |
| Tier 1 risk-based capital ratio | 14.1931% | 3,220 |
| Total risk-based capital ratio | 15.2433% | 3,236 |
| Memoranda: | ||
| Average total assets | $6,193,334,670 | 194 |
| Average earning assets | $5,832,038,000 | 187 |
| Average equity | $738,964,330 | 199 |
| Average total loans | $3,613,885,670 | 227 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 3,891 |
| Cost of funding earning assets | 0.6509% | 3,321 |
| Net interest margin | 3.5423% | 3,452 |
| Noninterest income to average assets | 0.6983% | 1,621 |
| Noninterest expense to average assets | 2.6661% | 3,014 |
| Loan and lease loss provision to assets | -0.2225% | 5,315 |
| Net operating income to assets | 1.1580% | 2,227 |
| Return on assets (ROA) | 1.1581% | 2,281 |
| Pretax return on assets | 1.5892% | 1,497 |
| Return on Equity (ROE) | 9.1362% | 2,747 |
| Retained earnings to average equity (ytd only) | 1.6122% | 4,165 |
| Net charge-offs to loans | -0.0352% | 4,705 |
| Credit loss provision to net charge-offs | 1,076.9231% | 349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1074% | 2,930 |
| Assets per employee ($millions) | 5.8001% | 1,698 |
| Cash dividends to net income (ytd only)* | 82.3542% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,813 |
| Loan loss allowance to noncurrent loans | 150.4898% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 2,775 |
| Noncurrent loans to loans | 0.7681% | 2,109 |
| Net loans and leases to total assets | 56.6763% | 4,004 |
| Net loans and leases to deposits | 65.7663% | 4,074 |
| Net loans and leases to core deposits | 68.3226% | 4,163 |
| Total domestic deposits to total assets | 86.1783% | 2,193 |
| Equity capital to assets | 12.8903% | 1,516 |
| Core capital (leverage) ratio | 11.9690% | 1,796 |
| Tier 1 risk-based capital ratio | 18.5712% | 1,640 |
| Total risk-based capital ratio | 19.5889% | 1,652 |
| Memoranda: | ||
| Average total assets | $6,290,770,500 | 191 |
| Average earning assets | $5,921,456,500 | 186 |
| Average equity | $797,443,500 | 187 |
| Average total loans | $3,694,028,000 | 226 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 4,125 |
| Cost of funding earning assets | 0.4418% | 3,727 |
| Net interest margin | 3.5242% | 3,619 |
| Noninterest income to average assets | 1.1097% | 745 |
| Noninterest expense to average assets | 2.7173% | 2,968 |
| Loan and lease loss provision to assets | 0.0241% | 3,689 |
| Net operating income to assets | 1.2189% | 2,090 |
| Return on assets (ROA) | 1.2192% | 2,082 |
| Pretax return on assets | 1.6816% | 1,213 |
| Return on Equity (ROE) | 9.9920% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.6746% | 993 |
| Net charge-offs to loans | 0.0546% | 2,365 |
| Credit loss provision to net charge-offs | 73.5294% | 2,947 |
| Earnings coverage of net charge-offs (x) | 52.0093% | 1,105 |
| Efficiency ratio | 61.4385% | 3,635 |
| Assets per employee ($millions) | 5.7853% | 1,687 |
| Cash dividends to net income (ytd only)* | 13.1841% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,735 |
| Loan loss allowance to noncurrent loans | 193.3145% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 3,051 |
| Noncurrent loans to loans | 0.6037% | 2,467 |
| Net loans and leases to total assets | 59.3783% | 3,830 |
| Net loans and leases to deposits | 69.2546% | 3,882 |
| Net loans and leases to core deposits | 72.1857% | 3,977 |
| Total domestic deposits to total assets | 85.7391% | 2,347 |
| Equity capital to assets | 12.4663% | 1,594 |
| Core capital (leverage) ratio | 12.0074% | 1,728 |
| Tier 1 risk-based capital ratio | 16.9225% | 2,093 |
| Total risk-based capital ratio | 17.9310% | 2,124 |
| Memoranda: | ||
| Average total assets | $6,221,358,800 | 191 |
| Average earning assets | $5,848,400,800 | 185 |
| Average equity | $759,098,600 | 186 |
| Average total loans | $3,733,420,400 | 216 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 4,180 |
| Cost of funding earning assets | 0.3994% | 3,863 |
| Net interest margin | 3.5144% | 3,643 |
| Noninterest income to average assets | 1.2313% | 635 |
| Noninterest expense to average assets | 2.7073% | 2,959 |
| Loan and lease loss provision to assets | 0.0323% | 3,374 |
| Net operating income to assets | 1.3049% | 1,837 |
| Return on assets (ROA) | 1.2993% | 1,860 |
| Pretax return on assets | 1.7879% | 1,038 |
| Return on Equity (ROE) | 10.7085% | 2,303 |
| Retained earnings to average equity (ytd only) | 8.9334% | 1,246 |
| Net charge-offs to loans | 0.0930% | 1,570 |
| Credit loss provision to net charge-offs | 57.9151% | 2,771 |
| Earnings coverage of net charge-offs (x) | 32.7536% | 1,536 |
| Efficiency ratio | 59.7042% | 3,851 |
| Assets per employee ($millions) | 5.6302% | 1,794 |
| Cash dividends to net income (ytd only)* | 16.5771% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 2,885 |
| Loan loss allowance to noncurrent loans | 183.2284% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 3,073 |
| Noncurrent loans to loans | 0.6299% | 2,509 |
| Net loans and leases to total assets | 61.0012% | 3,745 |
| Net loans and leases to deposits | 71.9901% | 3,769 |
| Net loans and leases to core deposits | 75.4064% | 3,845 |
| Total domestic deposits to total assets | 84.7356% | 2,707 |
| Equity capital to assets | 12.4736% | 1,607 |
| Core capital (leverage) ratio | 11.7028% | 2,007 |
| Tier 1 risk-based capital ratio | 16.4251% | 2,297 |
| Total risk-based capital ratio | 17.4204% | 2,329 |
| Memoranda: | ||
| Average total assets | $6,190,092,000 | 192 |
| Average earning assets | $5,818,099,250 | 185 |
| Average equity | $751,082,000 | 185 |
| Average total loans | $3,713,550,750 | 218 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 4,275 |
| Cost of funding earning assets | 0.3575% | 4,024 |
| Net interest margin | 3.4712% | 3,730 |
| Noninterest income to average assets | 1.3933% | 491 |
| Noninterest expense to average assets | 2.7007% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4163% | 1,374 |
| Return on assets (ROA) | 1.4105% | 1,402 |
| Pretax return on assets | 1.9462% | 695 |
| Return on Equity (ROE) | 11.7335% | 1,828 |
| Retained earnings to average equity (ytd only) | 9.0485% | 1,199 |
| Net charge-offs to loans | -0.0418% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0251% | 4,231 |
| Assets per employee ($millions) | 5.5293% | 1,860 |
| Cash dividends to net income (ytd only)* | 22.8833% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,575 |
| Loan loss allowance to noncurrent loans | 353.1180% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,858 |
| Noncurrent loans to loans | 0.3470% | 3,455 |
| Net loans and leases to total assets | 59.8422% | 3,827 |
| Net loans and leases to deposits | 70.6170% | 3,810 |
| Net loans and leases to core deposits | 73.0869% | 3,940 |
| Total domestic deposits to total assets | 84.7419% | 2,775 |
| Equity capital to assets | 12.2788% | 1,679 |
| Core capital (leverage) ratio | 11.3381% | 2,218 |
| Tier 1 risk-based capital ratio | 16.1590% | 2,385 |
| Total risk-based capital ratio | 17.2119% | 2,387 |
| Memoranda: | ||
| Average total assets | $6,196,565,670 | 190 |
| Average earning assets | $5,821,338,670 | 182 |
| Average equity | $744,875,000 | 183 |
| Average total loans | $3,682,022,000 | 216 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,440 |
| Cost of funding earning assets | 0.3127% | 4,249 |
| Net interest margin | 3.4004% | 3,883 |
| Noninterest income to average assets | 0.9621% | 998 |
| Noninterest expense to average assets | 2.6910% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0676% | 2,574 |
| Return on assets (ROA) | 1.0676% | 2,586 |
| Pretax return on assets | 1.4646% | 1,787 |
| Return on Equity (ROE) | 8.9769% | 2,915 |
| Retained earnings to average equity (ytd only) | 3.5603% | 3,780 |
| Net charge-offs to loans | -0.0753% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7559% | 3,363 |
| Assets per employee ($millions) | 5.6016% | 1,847 |
| Cash dividends to net income (ytd only)* | 60.3391% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,509 |
| Loan loss allowance to noncurrent loans | 311.6753% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,841 |
| Noncurrent loans to loans | 0.4016% | 3,342 |
| Net loans and leases to total assets | 57.2925% | 4,009 |
| Net loans and leases to deposits | 66.0563% | 4,085 |
| Net loans and leases to core deposits | 68.9915% | 4,152 |
| Total domestic deposits to total assets | 86.7329% | 2,226 |
| Equity capital to assets | 11.6995% | 1,993 |
| Core capital (leverage) ratio | 10.8334% | 2,598 |
| Tier 1 risk-based capital ratio | 15.5686% | 2,639 |
| Total risk-based capital ratio | 16.6377% | 2,640 |
| Memoranda: | ||
| Average total assets | $6,209,506,500 | 191 |
| Average earning assets | $5,831,578,000 | 181 |
| Average equity | $738,471,000 | 185 |
| Average total loans | $3,653,791,000 | 215 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 4,467 |
| Cost of funding earning assets | 0.2338% | 4,697 |
| Net interest margin | 3.4095% | 3,823 |
| Noninterest income to average assets | 1.0976% | 848 |
| Noninterest expense to average assets | 2.8897% | 2,489 |
| Loan and lease loss provision to assets | -0.0406% | 5,374 |
| Net operating income to assets | 0.1031% | 5,255 |
| Return on assets (ROA) | 0.1028% | 5,259 |
| Pretax return on assets | 1.4129% | 1,950 |
| Return on Equity (ROE) | 0.8359% | 5,255 |
| Retained earnings to average equity (ytd only) | -1.8053% | 5,268 |
| Net charge-offs to loans | -0.0547% | 5,213 |
| Credit loss provision to net charge-offs | 126.5823% | 2,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7945% | 2,932 |
| Assets per employee ($millions) | 5.9273% | 1,571 |
| Cash dividends to net income (ytd only)* | 315.9558% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,587 |
| Loan loss allowance to noncurrent loans | 359.7524% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 3,992 |
| Noncurrent loans to loans | 0.3426% | 3,532 |
| Net loans and leases to total assets | 58.9526% | 3,927 |
| Net loans and leases to deposits | 68.6312% | 3,979 |
| Net loans and leases to core deposits | 70.5087% | 4,141 |
| Total domestic deposits to total assets | 85.8977% | 2,487 |
| Equity capital to assets | 12.0911% | 1,766 |
| Core capital (leverage) ratio | 10.8240% | 2,506 |
| Tier 1 risk-based capital ratio | 15.4332% | 2,648 |
| Total risk-based capital ratio | 16.4950% | 2,659 |
| Memoranda: | ||
| Average total assets | $6,158,789,600 | 186 |
| Average earning assets | $5,716,740,200 | 180 |
| Average equity | $757,228,000 | 178 |
| Average total loans | $3,608,422,000 | 207 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 4,467 |
| Cost of funding earning assets | 0.2271% | 4,762 |
| Net interest margin | 3.4113% | 3,807 |
| Noninterest income to average assets | 1.1074% | 828 |
| Noninterest expense to average assets | 2.8918% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8271% | 3,402 |
| Return on assets (ROA) | 0.8246% | 3,448 |
| Pretax return on assets | 1.3704% | 2,217 |
| Return on Equity (ROE) | 6.6792% | 3,828 |
| Retained earnings to average equity (ytd only) | 3.1772% | 4,022 |
| Net charge-offs to loans | -0.0755% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7835% | 2,917 |
| Assets per employee ($millions) | 5.9334% | 1,548 |
| Cash dividends to net income (ytd only)* | 52.4315% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,218 |
| Loan loss allowance to noncurrent loans | 388.3423% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 4,146 |
| Noncurrent loans to loans | 0.3419% | 3,721 |
| Net loans and leases to total assets | 57.7691% | 4,086 |
| Net loans and leases to deposits | 67.4654% | 4,148 |
| Net loans and leases to core deposits | 69.2253% | 4,292 |
| Total domestic deposits to total assets | 85.6277% | 2,470 |
| Equity capital to assets | 12.6393% | 1,581 |
| Core capital (leverage) ratio | 10.4148% | 3,073 |
| Tier 1 risk-based capital ratio | 14.9575% | 2,935 |
| Total risk-based capital ratio | 16.0903% | 2,922 |
| Memoranda: | ||
| Average total assets | $6,167,773,750 | 185 |
| Average earning assets | $5,711,201,000 | 181 |
| Average equity | $761,454,250 | 177 |
| Average total loans | $3,596,871,500 | 207 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 4,455 |
| Cost of funding earning assets | 0.2223% | 4,785 |
| Net interest margin | 3.4001% | 3,767 |
| Noninterest income to average assets | 0.8890% | 1,309 |
| Noninterest expense to average assets | 2.9230% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6620% | 4,017 |
| Return on assets (ROA) | 0.6617% | 4,078 |
| Pretax return on assets | 1.1105% | 3,133 |
| Return on Equity (ROE) | 5.4024% | 4,313 |
| Retained earnings to average equity (ytd only) | 0.1204% | 5,046 |
| Net charge-offs to loans | -0.0381% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4599% | 2,270 |
| Assets per employee ($millions) | 5.8884% | 1,544 |
| Cash dividends to net income (ytd only)* | 97.7708% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,463 |
| Loan loss allowance to noncurrent loans | 312.1339% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 4,067 |
| Noncurrent loans to loans | 0.4132% | 3,544 |
| Net loans and leases to total assets | 57.5216% | 4,080 |
| Net loans and leases to deposits | 66.9599% | 4,147 |
| Net loans and leases to core deposits | 68.6526% | 4,321 |
| Total domestic deposits to total assets | 85.9046% | 2,413 |
| Equity capital to assets | 12.2828% | 1,742 |
| Core capital (leverage) ratio | 9.9303% | 3,615 |
| Tier 1 risk-based capital ratio | 14.1829% | 3,319 |
| Total risk-based capital ratio | 15.2816% | 3,327 |
| Memoranda: | ||
| Average total assets | $6,182,616,330 | 185 |
| Average earning assets | $5,718,736,000 | 181 |
| Average equity | $757,293,000 | 177 |
| Average total loans | $3,600,846,000 | 207 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 4,687 |
| Cost of funding earning assets | 0.2172% | 4,823 |
| Net interest margin | 3.2863% | 4,061 |
| Noninterest income to average assets | 0.8737% | 1,324 |
| Noninterest expense to average assets | 3.0921% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4927% | 4,631 |
| Return on assets (ROA) | 0.4894% | 4,663 |
| Pretax return on assets | 0.8160% | 4,054 |
| Return on Equity (ROE) | 4.0014% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.0014% | 3,447 |
| Net charge-offs to loans | -0.0453% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0189% | 1,483 |
| Assets per employee ($millions) | 5.9149% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,609 |
| Loan loss allowance to noncurrent loans | 287.1463% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 4,081 |
| Noncurrent loans to loans | 0.4476% | 3,489 |
| Net loans and leases to total assets | 56.8569% | 4,083 |
| Net loans and leases to deposits | 66.1499% | 4,164 |
| Net loans and leases to core deposits | 68.2585% | 4,274 |
| Total domestic deposits to total assets | 85.9516% | 2,691 |
| Equity capital to assets | 12.2545% | 1,683 |
| Core capital (leverage) ratio | 9.8317% | 3,719 |
| Tier 1 risk-based capital ratio | 14.2408% | 3,341 |
| Total risk-based capital ratio | 15.3420% | 3,340 |
| Memoranda: | ||
| Average total assets | $6,197,251,500 | 184 |
| Average earning assets | $5,731,670,000 | 180 |
| Average equity | $758,036,500 | 177 |
| Average total loans | $3,608,392,000 | 205 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 4,900 |
| Cost of funding earning assets | 0.2028% | 4,987 |
| Net interest margin | 3.2384% | 4,334 |
| Noninterest income to average assets | 0.9109% | 1,375 |
| Noninterest expense to average assets | 2.8334% | 2,909 |
| Loan and lease loss provision to assets | -0.1148% | 5,705 |
| Net operating income to assets | 0.7072% | 3,750 |
| Return on assets (ROA) | 0.7010% | 3,885 |
| Pretax return on assets | 1.1650% | 2,830 |
| Return on Equity (ROE) | 5.6252% | 4,153 |
| Retained earnings to average equity (ytd only) | 0.3594% | 5,176 |
| Net charge-offs to loans | 0.1636% | 1,643 |
| Credit loss provision to net charge-offs | -120.3163% | 4,920 |
| Earnings coverage of net charge-offs (x) | 11.0909% | 2,568 |
| Efficiency ratio | 72.8007% | 2,462 |
| Assets per employee ($millions) | 5.9289% | 1,531 |
| Cash dividends to net income (ytd only)* | 93.6110% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,804 |
| Loan loss allowance to noncurrent loans | 220.7548% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 3,775 |
| Noncurrent loans to loans | 0.5671% | 3,141 |
| Net loans and leases to total assets | 58.1201% | 4,057 |
| Net loans and leases to deposits | 67.5716% | 4,119 |
| Net loans and leases to core deposits | 70.7305% | 4,179 |
| Total domestic deposits to total assets | 86.0126% | 2,578 |
| Equity capital to assets | 12.2091% | 1,679 |
| Core capital (leverage) ratio | 9.8470% | 3,693 |
| Tier 1 risk-based capital ratio | 13.9541% | 3,488 |
| Total risk-based capital ratio | 15.0344% | 3,498 |
| Memoranda: | ||
| Average total assets | $6,095,465,000 | 181 |
| Average earning assets | $5,611,267,600 | 176 |
| Average equity | $759,619,200 | 170 |
| Average total loans | $3,555,763,800 | 198 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 4,984 |
| Cost of funding earning assets | 0.2006% | 5,060 |
| Net interest margin | 3.2191% | 4,430 |
| Noninterest income to average assets | 0.8729% | 1,503 |
| Noninterest expense to average assets | 2.7042% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6846% | 3,936 |
| Return on assets (ROA) | 0.6792% | 4,091 |
| Pretax return on assets | 1.1219% | 3,143 |
| Return on Equity (ROE) | 5.4220% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.4788% | 4,923 |
| Net charge-offs to loans | 0.1711% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.3347% | 2,492 |
| Efficiency ratio | 70.5526% | 2,816 |
| Assets per employee ($millions) | 5.9045% | 1,513 |
| Cash dividends to net income (ytd only)* | 72.7261% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,655 |
| Loan loss allowance to noncurrent loans | 221.9438% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 3,506 |
| Noncurrent loans to loans | 0.6898% | 2,969 |
| Net loans and leases to total assets | 56.5118% | 4,253 |
| Net loans and leases to deposits | 65.6491% | 4,376 |
| Net loans and leases to core deposits | 68.9826% | 4,397 |
| Total domestic deposits to total assets | 86.0815% | 2,311 |
| Equity capital to assets | 12.5559% | 1,745 |
| Core capital (leverage) ratio | 9.8540% | 3,747 |
| Tier 1 risk-based capital ratio | 14.4009% | 3,334 |
| Total risk-based capital ratio | 15.6727% | 3,254 |
| Memoranda: | ||
| Average total assets | $6,073,363,750 | 183 |
| Average earning assets | $5,584,532,000 | 176 |
| Average equity | $760,776,000 | 171 |
| Average total loans | $3,534,795,500 | 201 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 5,065 |
| Cost of funding earning assets | 0.1973% | 5,175 |
| Net interest margin | 3.2092% | 4,513 |
| Noninterest income to average assets | 0.7971% | 1,727 |
| Noninterest expense to average assets | 2.7105% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6278% | 4,154 |
| Return on assets (ROA) | 0.6247% | 4,298 |
| Pretax return on assets | 1.0323% | 3,471 |
| Return on Equity (ROE) | 4.9909% | 4,522 |
| Retained earnings to average equity (ytd only) | 1.0324% | 4,977 |
| Net charge-offs to loans | -0.0320% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3711% | 2,600 |
| Assets per employee ($millions) | 5.7928% | 1,554 |
| Cash dividends to net income (ytd only)* | 79.3147% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 1,415 |
| Loan loss allowance to noncurrent loans | 251.1760% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 3,614 |
| Noncurrent loans to loans | 0.6550% | 3,111 |
| Net loans and leases to total assets | 58.0004% | 4,116 |
| Net loans and leases to deposits | 67.3933% | 4,235 |
| Net loans and leases to core deposits | 72.1581% | 4,161 |
| Total domestic deposits to total assets | 86.0626% | 2,392 |
| Equity capital to assets | 12.5378% | 1,746 |
| Core capital (leverage) ratio | 9.7564% | 3,865 |
| Tier 1 risk-based capital ratio | 13.9922% | 3,609 |
| Total risk-based capital ratio | 14.9814% | 3,684 |
| Memoranda: | ||
| Average total assets | $6,054,861,330 | 182 |
| Average earning assets | $5,562,336,000 | 177 |
| Average equity | $757,856,670 | 171 |
| Average total loans | $3,540,600,000 | 199 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4143% | 5,093 |
| Cost of funding earning assets | 0.1928% | 5,263 |
| Net interest margin | 3.2216% | 4,507 |
| Noninterest income to average assets | 0.7658% | 1,751 |
| Noninterest expense to average assets | 2.7204% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6121% | 4,121 |
| Return on assets (ROA) | 0.6036% | 4,283 |
| Pretax return on assets | 0.9954% | 3,496 |
| Return on Equity (ROE) | 4.8264% | 4,566 |
| Retained earnings to average equity (ytd only) | 0.8573% | 4,880 |
| Net charge-offs to loans | 0.1181% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.5987% | 1,692 |
| Efficiency ratio | 73.0457% | 2,632 |
| Assets per employee ($millions) | 5.9232% | 1,464 |
| Cash dividends to net income (ytd only)* | 82.2368% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 1,534 |
| Loan loss allowance to noncurrent loans | 239.1168% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 3,567 |
| Noncurrent loans to loans | 0.6808% | 3,138 |
| Net loans and leases to total assets | 56.9096% | 4,155 |
| Net loans and leases to deposits | 66.0814% | 4,244 |
| Net loans and leases to core deposits | 70.8873% | 4,169 |
| Total domestic deposits to total assets | 86.1204% | 2,621 |
| Equity capital to assets | 12.4375% | 1,721 |
| Core capital (leverage) ratio | 9.7029% | 3,911 |
| Tier 1 risk-based capital ratio | 13.9545% | 3,722 |
| Total risk-based capital ratio | 15.2287% | 3,636 |
| Memoranda: | ||
| Average total assets | $6,043,972,000 | 183 |
| Average earning assets | $5,550,348,500 | 178 |
| Average equity | $755,846,000 | 172 |
| Average total loans | $3,519,186,000 | 200 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3280% | 5,299 |
| Cost of funding earning assets | 0.1699% | 5,537 |
| Net interest margin | 3.1581% | 4,757 |
| Noninterest income to average assets | 1.0282% | 1,121 |
| Noninterest expense to average assets | 3.2753% | 1,776 |
| Loan and lease loss provision to assets | -0.1513% | 5,923 |
| Net operating income to assets | 0.5460% | 4,517 |
| Return on assets (ROA) | 0.6677% | 4,049 |
| Pretax return on assets | 0.9451% | 3,673 |
| Return on Equity (ROE) | 5.1146% | 4,455 |
| Retained earnings to average equity (ytd only) | -1.3244% | 5,694 |
| Net charge-offs to loans | -0.0153% | 5,209 |
| Credit loss provision to net charge-offs | 1,764.7059% | 196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0373% | 1,176 |
| Assets per employee ($millions) | 5.7961% | 1,541 |
| Cash dividends to net income (ytd only)* | 125.8938% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,449 |
| Loan loss allowance to noncurrent loans | 247.8519% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 3,551 |
| Noncurrent loans to loans | 0.6700% | 3,185 |
| Net loans and leases to total assets | 57.6337% | 4,133 |
| Net loans and leases to deposits | 68.6153% | 4,068 |
| Net loans and leases to core deposits | 72.5550% | 4,084 |
| Total domestic deposits to total assets | 83.9954% | 3,483 |
| Equity capital to assets | 12.5751% | 1,581 |
| Core capital (leverage) ratio | 10.7223% | 2,688 |
| Tier 1 risk-based capital ratio | 15.5126% | 2,921 |
| Total risk-based capital ratio | 16.8011% | 2,839 |
| Memoranda: | ||
| Average total assets | $5,948,540,000 | 171 |
| Average earning assets | $5,404,422,800 | 169 |
| Average equity | $776,525,200 | 160 |
| Average total loans | $3,327,778,200 | 196 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2980% | 5,413 |
| Cost of funding earning assets | 0.1659% | 5,662 |
| Net interest margin | 3.1321% | 4,873 |
| Noninterest income to average assets | 1.1017% | 992 |
| Noninterest expense to average assets | 3.4111% | 1,457 |
| Loan and lease loss provision to assets | -0.1685% | 6,074 |
| Net operating income to assets | 0.5044% | 4,770 |
| Return on assets (ROA) | 0.6341% | 4,332 |
| Pretax return on assets | 0.8786% | 4,054 |
| Return on Equity (ROE) | 4.8126% | 4,708 |
| Retained earnings to average equity (ytd only) | 1.1472% | 5,254 |
| Net charge-offs to loans | -0.0161% | 5,129 |
| Credit loss provision to net charge-offs | 1,898.7342% | 198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5573% | 969 |
| Assets per employee ($millions) | 5.7131% | 1,586 |
| Cash dividends to net income (ytd only)* | 76.1628% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 1,391 |
| Loan loss allowance to noncurrent loans | 243.4285% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 3,361 |
| Noncurrent loans to loans | 0.7147% | 3,191 |
| Net loans and leases to total assets | 57.3679% | 4,214 |
| Net loans and leases to deposits | 68.4572% | 4,145 |
| Net loans and leases to core deposits | 71.1757% | 4,259 |
| Total domestic deposits to total assets | 83.8011% | 3,506 |
| Equity capital to assets | 13.2929% | 1,313 |
| Core capital (leverage) ratio | 10.6902% | 2,838 |
| Tier 1 risk-based capital ratio | 15.7246% | 2,937 |
| Total risk-based capital ratio | 17.0145% | 2,846 |
| Memoranda: | ||
| Average total assets | $5,935,943,750 | 174 |
| Average earning assets | $5,380,804,750 | 171 |
| Average equity | $782,064,500 | 160 |
| Average total loans | $3,280,775,500 | 200 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 5,527 |
| Cost of funding earning assets | 0.1582% | 5,791 |
| Net interest margin | 3.0953% | 4,980 |
| Noninterest income to average assets | 1.1081% | 988 |
| Noninterest expense to average assets | 3.5697% | 1,178 |
| Loan and lease loss provision to assets | -0.2520% | 6,208 |
| Net operating income to assets | 0.4647% | 4,920 |
| Return on assets (ROA) | 0.6525% | 4,219 |
| Pretax return on assets | 0.8328% | 4,194 |
| Return on Equity (ROE) | 4.9672% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.0490% | 4,104 |
| Net charge-offs to loans | 0.0346% | 2,978 |
| Credit loss provision to net charge-offs | -1,344.0860% | 5,411 |
| Earnings coverage of net charge-offs (x) | 18.1290% | 1,822 |
| Efficiency ratio | 91.3071% | 669 |
| Assets per employee ($millions) | 5.2935% | 1,930 |
| Cash dividends to net income (ytd only)* | 38.6160% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 1,474 |
| Loan loss allowance to noncurrent loans | 226.5029% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 3,472 |
| Noncurrent loans to loans | 0.7763% | 3,171 |
| Net loans and leases to total assets | 54.3111% | 4,520 |
| Net loans and leases to deposits | 64.7019% | 4,468 |
| Net loans and leases to core deposits | 67.0144% | 4,569 |
| Total domestic deposits to total assets | 83.9404% | 3,595 |
| Equity capital to assets | 13.0490% | 1,377 |
| Core capital (leverage) ratio | 10.8668% | 2,552 |
| Tier 1 risk-based capital ratio | 15.5034% | 3,103 |
| Total risk-based capital ratio | 16.7936% | 3,027 |
| Memoranda: | ||
| Average total assets | $5,953,108,000 | 171 |
| Average earning assets | $5,388,143,670 | 168 |
| Average equity | $782,014,670 | 161 |
| Average total loans | $3,229,182,330 | 201 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1258% | 5,754 |
| Cost of funding earning assets | 0.1557% | 5,885 |
| Net interest margin | 2.9701% | 5,295 |
| Noninterest income to average assets | 1.2133% | 771 |
| Noninterest expense to average assets | 3.3980% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3159% | 5,355 |
| Return on assets (ROA) | 0.3172% | 5,458 |
| Pretax return on assets | 0.4997% | 5,180 |
| Return on Equity (ROE) | 2.4064% | 5,570 |
| Retained earnings to average equity (ytd only) | -1.4484% | 5,609 |
| Net charge-offs to loans | 0.3446% | 710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.6874% | 2,715 |
| Efficiency ratio | 87.2313% | 1,080 |
| Assets per employee ($millions) | 5.0922% | 2,237 |
| Cash dividends to net income (ytd only)* | 160.1880% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 1,061 |
| Loan loss allowance to noncurrent loans | 126.1272% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 2,384 |
| Noncurrent loans to loans | 1.5925% | 1,758 |
| Net loans and leases to total assets | 52.5229% | 4,612 |
| Net loans and leases to deposits | 62.6175% | 4,514 |
| Net loans and leases to core deposits | 64.2745% | 4,670 |
| Total domestic deposits to total assets | 83.8789% | 3,859 |
| Equity capital to assets | 13.0746% | 1,357 |
| Core capital (leverage) ratio | 10.7827% | 2,646 |
| Tier 1 risk-based capital ratio | 15.5857% | 3,111 |
| Total risk-based capital ratio | 16.8012% | 3,064 |
| Memoranda: | ||
| Average total assets | $5,904,413,500 | 171 |
| Average earning assets | $5,331,885,500 | 168 |
| Average equity | $778,256,000 | 160 |
| Average total loans | $3,171,320,000 | 201 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2412% | 5,780 |
| Cost of funding earning assets | 0.1601% | 6,044 |
| Net interest margin | 3.0812% | 5,249 |
| Noninterest income to average assets | 0.8986% | 1,503 |
| Noninterest expense to average assets | 2.9972% | 2,846 |
| Loan and lease loss provision to assets | -0.1203% | 6,183 |
| Net operating income to assets | 0.5323% | 4,674 |
| Return on assets (ROA) | 0.5536% | 4,678 |
| Pretax return on assets | 0.8075% | 4,228 |
| Return on Equity (ROE) | 4.0640% | 5,087 |
| Retained earnings to average equity (ytd only) | -7.9230% | 6,269 |
| Net charge-offs to loans | 0.2414% | 1,760 |
| Credit loss provision to net charge-offs | -97.7790% | 5,519 |
| Earnings coverage of net charge-offs (x) | 5.3387% | 3,446 |
| Efficiency ratio | 82.0230% | 1,659 |
| Assets per employee ($millions) | 5.0180% | 2,299 |
| Cash dividends to net income (ytd only)* | 294.9578% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 914 |
| Loan loss allowance to noncurrent loans | 116.0221% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.9530% | 1,320 |
| Noncurrent loans to loans | 1.8302% | 1,560 |
| Net loans and leases to total assets | 52.6816% | 4,724 |
| Net loans and leases to deposits | 63.2775% | 4,603 |
| Net loans and leases to core deposits | 64.6154% | 4,784 |
| Total domestic deposits to total assets | 83.2549% | 3,990 |
| Equity capital to assets | 13.2892% | 1,233 |
| Core capital (leverage) ratio | 11.3499% | 2,092 |
| Tier 1 risk-based capital ratio | 16.5512% | 2,695 |
| Total risk-based capital ratio | 17.8070% | 2,635 |
| Memoranda: | ||
| Average total assets | $5,818,299,600 | 170 |
| Average earning assets | $5,203,361,600 | 165 |
| Average equity | $792,524,000 | 156 |
| Average total loans | $2,965,803,000 | 203 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2538% | 5,838 |
| Cost of funding earning assets | 0.1586% | 6,128 |
| Net interest margin | 3.0952% | 5,272 |
| Noninterest income to average assets | 0.9175% | 1,459 |
| Noninterest expense to average assets | 3.0218% | 2,730 |
| Loan and lease loss provision to assets | -0.1147% | 6,302 |
| Net operating income to assets | 0.5472% | 4,684 |
| Return on assets (ROA) | 0.5697% | 4,668 |
| Pretax return on assets | 0.8073% | 4,338 |
| Return on Equity (ROE) | 4.1569% | 5,107 |
| Retained earnings to average equity (ytd only) | -10.0757% | 6,376 |
| Net charge-offs to loans | 0.0611% | 3,332 |
| Credit loss provision to net charge-offs | -373.4130% | 5,688 |
| Earnings coverage of net charge-offs (x) | 21.5205% | 1,672 |
| Efficiency ratio | 82.0458% | 1,618 |
| Assets per employee ($millions) | 4.9914% | 2,251 |
| Cash dividends to net income (ytd only)* | 342.3829% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5069% | 647 |
| Loan loss allowance to noncurrent loans | 153.5145% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.8167% | 1,628 |
| Noncurrent loans to loans | 1.6330% | 1,998 |
| Net loans and leases to total assets | 50.0846% | 4,997 |
| Net loans and leases to deposits | 59.9784% | 4,946 |
| Net loans and leases to core deposits | 61.1190% | 5,110 |
| Total domestic deposits to total assets | 83.5044% | 3,948 |
| Equity capital to assets | 13.4725% | 1,192 |
| Core capital (leverage) ratio | 11.3706% | 2,161 |
| Tier 1 risk-based capital ratio | 17.2955% | 2,480 |
| Total risk-based capital ratio | 18.5558% | 2,430 |
| Memoranda: | ||
| Average total assets | $5,810,139,500 | 168 |
| Average earning assets | $5,191,387,250 | 164 |
| Average equity | $796,269,250 | 155 |
| Average total loans | $2,919,943,000 | 201 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2679% | 5,843 |
| Cost of funding earning assets | 0.1584% | 6,208 |
| Net interest margin | 3.1095% | 5,227 |
| Noninterest income to average assets | 0.9405% | 1,362 |
| Noninterest expense to average assets | 2.9756% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5430% | 4,635 |
| Return on assets (ROA) | 0.5769% | 4,576 |
| Pretax return on assets | 0.7849% | 4,333 |
| Return on Equity (ROE) | 4.1861% | 5,068 |
| Retained earnings to average equity (ytd only) | -14.5352% | 6,486 |
| Net charge-offs to loans | 0.2079% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,679 |
| Efficiency ratio | 80.1048% | 2,010 |
| Assets per employee ($millions) | 5.0073% | 2,208 |
| Cash dividends to net income (ytd only)* | 447.2272% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6428% | 578 |
| Loan loss allowance to noncurrent loans | 158.9609% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8869% | 1,717 |
| Noncurrent loans to loans | 1.6625% | 2,083 |
| Net loans and leases to total assets | 49.6091% | 5,002 |
| Net loans and leases to deposits | 59.6767% | 4,888 |
| Net loans and leases to core deposits | 60.8135% | 5,070 |
| Total domestic deposits to total assets | 83.1298% | 4,252 |
| Equity capital to assets | 13.5822% | 1,127 |
| Core capital (leverage) ratio | 11.4943% | 2,002 |
| Tier 1 risk-based capital ratio | 17.3247% | 2,492 |
| Total risk-based capital ratio | 18.5861% | 2,446 |
| Memoranda: | ||
| Average total assets | $5,813,536,000 | 167 |
| Average earning assets | $5,186,564,670 | 165 |
| Average equity | $801,226,670 | 155 |
| Average total loans | $2,900,065,000 | 199 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 5,935 |
| Cost of funding earning assets | 0.1583% | 6,308 |
| Net interest margin | 3.0891% | 5,291 |
| Noninterest income to average assets | 0.9118% | 1,355 |
| Noninterest expense to average assets | 2.9515% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4638% | 4,884 |
| Return on assets (ROA) | 0.5247% | 4,644 |
| Pretax return on assets | 0.8085% | 4,074 |
| Return on Equity (ROE) | 3.7798% | 5,140 |
| Retained earnings to average equity (ytd only) | -30.8566% | 6,619 |
| Net charge-offs to loans | 0.1673% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.6822% | 2,001 |
| Efficiency ratio | 80.4595% | 2,140 |
| Assets per employee ($millions) | 5.0483% | 2,197 |
| Cash dividends to net income (ytd only)* | 916.3503% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7614% | 573 |
| Loan loss allowance to noncurrent loans | 147.6793% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 2.0097% | 1,698 |
| Noncurrent loans to loans | 1.8698% | 2,035 |
| Net loans and leases to total assets | 48.4636% | 5,063 |
| Net loans and leases to deposits | 57.9638% | 4,953 |
| Net loans and leases to core deposits | 59.2916% | 5,105 |
| Total domestic deposits to total assets | 83.6101% | 4,417 |
| Equity capital to assets | 13.4309% | 1,127 |
| Core capital (leverage) ratio | 11.2981% | 2,139 |
| Tier 1 risk-based capital ratio | 17.4339% | 2,496 |
| Total risk-based capital ratio | 18.6965% | 2,466 |
| Memoranda: | ||
| Average total assets | $5,823,554,500 | 167 |
| Average earning assets | $5,196,620,000 | 164 |
| Average equity | $808,396,500 | 154 |
| Average total loans | $2,874,038,000 | 199 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 6,268 |
| Cost of funding earning assets | 0.1698% | 6,443 |
| Net interest margin | 2.9018% | 5,783 |
| Noninterest income to average assets | 1.4820% | 639 |
| Noninterest expense to average assets | 4.7022% | 445 |
| Loan and lease loss provision to assets | -0.0804% | 6,450 |
| Net operating income to assets | 3.5063% | 79 |
| Return on assets (ROA) | 3.5038% | 79 |
| Pretax return on assets | -0.4982% | 6,488 |
| Return on Equity (ROE) | 31.5103% | 64 |
| Retained earnings to average equity (ytd only) | 31.5103% | 29 |
| Net charge-offs to loans | 0.1950% | 2,905 |
| Credit loss provision to net charge-offs | -89.7827% | 5,859 |
| Earnings coverage of net charge-offs (x) | -6.4354% | 5,409 |
| Efficiency ratio | 72.1602% | 3,445 |
| Assets per employee ($millions) | 5.1017% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8362% | 567 |
| Loan loss allowance to noncurrent loans | 151.8069% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 1,730 |
| Noncurrent loans to loans | 1.8683% | 2,150 |
| Net loans and leases to total assets | 47.4819% | 5,349 |
| Net loans and leases to deposits | 57.6443% | 5,154 |
| Net loans and leases to core deposits | 59.1518% | 5,286 |
| Total domestic deposits to total assets | 82.3705% | 4,744 |
| Equity capital to assets | 14.3285% | 820 |
| Core capital (leverage) ratio | 11.7722% | 1,777 |
| Tier 1 risk-based capital ratio | 18.8559% | 1,966 |
| Total risk-based capital ratio | 20.1188% | 1,920 |
| Memoranda: | ||
| Average total assets | $6,218,520,800 | 155 |
| Average earning assets | $5,665,736,400 | 149 |
| Average equity | $691,475,400 | 160 |
| Average total loans | $2,856,258,200 | 190 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0269% | 6,400 |
| Cost of funding earning assets | 0.1704% | 6,551 |
| Net interest margin | 2.8565% | 5,904 |
| Noninterest income to average assets | 1.0232% | 1,390 |
| Noninterest expense to average assets | 2.9281% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7096% | 3,806 |
| Return on assets (ROA) | 0.7080% | 3,950 |
| Pretax return on assets | 0.7075% | 4,668 |
| Return on Equity (ROE) | 6.8235% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.8235% | 1,961 |
| Net charge-offs to loans | 0.3420% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.5823% | 3,402 |
| Efficiency ratio | 80.5053% | 2,028 |
| Assets per employee ($millions) | 5.3182% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0020% | 549 |
| Loan loss allowance to noncurrent loans | 111.0764% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 2.4412% | 1,587 |
| Noncurrent loans to loans | 2.7027% | 1,563 |
| Net loans and leases to total assets | 43.8003% | 5,739 |
| Net loans and leases to deposits | 50.5518% | 5,798 |
| Net loans and leases to core deposits | 51.7653% | 5,903 |
| Total domestic deposits to total assets | 86.6444% | 2,890 |
| Equity capital to assets | 10.5027% | 3,270 |
| Core capital (leverage) ratio | 10.0947% | 3,529 |
| Tier 1 risk-based capital ratio | 17.1522% | 2,644 |
| Total risk-based capital ratio | 18.4168% | 2,606 |
| Memoranda: | ||
| Average total assets | $6,311,509,500 | 151 |
| Average earning assets | $5,775,655,750 | 146 |
| Average equity | $654,912,500 | 164 |
| Average total loans | $2,856,049,000 | 187 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 6,401 |
| Cost of funding earning assets | 0.1772% | 6,584 |
| Net interest margin | 2.8663% | 5,856 |
| Noninterest income to average assets | 1.0837% | 1,304 |
| Noninterest expense to average assets | 2.9556% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7530% | 3,551 |
| Return on assets (ROA) | 0.7460% | 3,741 |
| Pretax return on assets | 0.7468% | 4,522 |
| Return on Equity (ROE) | 7.2179% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.2179% | 1,780 |
| Net charge-offs to loans | 0.4156% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.0050% | 3,237 |
| Efficiency ratio | 79.6794% | 2,203 |
| Assets per employee ($millions) | 5.2406% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0133% | 575 |
| Loan loss allowance to noncurrent loans | 95.3130% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.7293% | 1,523 |
| Noncurrent loans to loans | 3.1615% | 1,388 |
| Net loans and leases to total assets | 44.4942% | 5,697 |
| Net loans and leases to deposits | 51.2729% | 5,750 |
| Net loans and leases to core deposits | 52.3452% | 5,862 |
| Total domestic deposits to total assets | 86.7792% | 2,955 |
| Equity capital to assets | 10.4223% | 3,403 |
| Core capital (leverage) ratio | 9.9242% | 3,626 |
| Tier 1 risk-based capital ratio | 16.6881% | 2,843 |
| Total risk-based capital ratio | 17.9528% | 2,810 |
| Memoranda: | ||
| Average total assets | $6,343,027,670 | 150 |
| Average earning assets | $5,810,621,000 | 144 |
| Average equity | $655,567,330 | 163 |
| Average total loans | $2,872,291,000 | 186 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0202% | 6,492 |
| Cost of funding earning assets | 0.1878% | 6,635 |
| Net interest margin | 2.8324% | 5,967 |
| Noninterest income to average assets | 0.9858% | 1,504 |
| Noninterest expense to average assets | 2.8742% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6939% | 3,719 |
| Return on assets (ROA) | 0.6654% | 4,026 |
| Pretax return on assets | 0.6754% | 4,679 |
| Return on Equity (ROE) | 6.4649% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.4649% | 2,425 |
| Net charge-offs to loans | 0.4754% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.2917% | 2,798 |
| Efficiency ratio | 80.3216% | 2,279 |
| Assets per employee ($millions) | 5.2395% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0999% | 595 |
| Loan loss allowance to noncurrent loans | 85.0963% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 3.0453% | 1,465 |
| Noncurrent loans to loans | 3.6428% | 1,304 |
| Net loans and leases to total assets | 43.3307% | 5,725 |
| Net loans and leases to deposits | 49.9021% | 5,794 |
| Net loans and leases to core deposits | 50.5788% | 5,930 |
| Total domestic deposits to total assets | 86.8313% | 3,058 |
| Equity capital to assets | 10.4312% | 3,628 |
| Core capital (leverage) ratio | 9.4984% | 4,083 |
| Tier 1 risk-based capital ratio | 16.3339% | 3,092 |
| Total risk-based capital ratio | 17.5995% | 3,033 |
| Memoranda: | ||
| Average total assets | $6,417,326,000 | 151 |
| Average earning assets | $5,873,923,500 | 147 |
| Average equity | $660,551,000 | 165 |
| Average total loans | $2,887,539,000 | 188 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 6,496 |
| Cost of funding earning assets | 0.2724% | 6,579 |
| Net interest margin | 3.1167% | 5,775 |
| Noninterest income to average assets | 0.7839% | 2,334 |
| Noninterest expense to average assets | 2.9818% | 3,343 |
| Loan and lease loss provision to assets | 0.0306% | 5,514 |
| Net operating income to assets | 0.6134% | 4,174 |
| Return on assets (ROA) | 0.6377% | 4,312 |
| Pretax return on assets | 0.6409% | 4,845 |
| Return on Equity (ROE) | 6.6736% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.6736% | 1,733 |
| Net charge-offs to loans | 1.5535% | 564 |
| Credit loss provision to net charge-offs | 4.1573% | 5,456 |
| Earnings coverage of net charge-offs (x) | 0.8801% | 5,030 |
| Efficiency ratio | 82.1707% | 1,840 |
| Assets per employee ($millions) | 5.3108% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1256% | 588 |
| Loan loss allowance to noncurrent loans | 82.5526% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 3.1583% | 1,475 |
| Noncurrent loans to loans | 3.7861% | 1,276 |
| Net loans and leases to total assets | 43.8553% | 5,832 |
| Net loans and leases to deposits | 50.2382% | 5,936 |
| Net loans and leases to core deposits | 50.9157% | 6,092 |
| Total domestic deposits to total assets | 87.2948% | 2,649 |
| Equity capital to assets | 10.1577% | 3,951 |
| Core capital (leverage) ratio | 9.1258% | 4,696 |
| Tier 1 risk-based capital ratio | 15.9179% | 3,205 |
| Total risk-based capital ratio | 17.1844% | 3,159 |
| Memoranda: | ||
| Average total assets | $6,544,013,800 | 144 |
| Average earning assets | $5,973,228,800 | 142 |
| Average equity | $625,311,200 | 167 |
| Average total loans | $3,096,663,000 | 179 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 6,578 |
| Cost of funding earning assets | 0.2888% | 6,663 |
| Net interest margin | 3.1489% | 5,826 |
| Noninterest income to average assets | 0.8365% | 2,088 |
| Noninterest expense to average assets | 2.9929% | 3,255 |
| Loan and lease loss provision to assets | 0.0406% | 5,267 |
| Net operating income to assets | 0.6663% | 4,058 |
| Return on assets (ROA) | 0.6972% | 4,178 |
| Pretax return on assets | 0.7073% | 4,832 |
| Return on Equity (ROE) | 7.4115% | 3,575 |
| Retained earnings to average equity (ytd only) | 7.4115% | 1,890 |
| Net charge-offs to loans | 1.0838% | 953 |
| Credit loss provision to net charge-offs | 7.8407% | 5,103 |
| Earnings coverage of net charge-offs (x) | 1.3829% | 4,604 |
| Efficiency ratio | 80.6783% | 1,991 |
| Assets per employee ($millions) | 5.2789% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7073% | 393 |
| Loan loss allowance to noncurrent loans | 86.0480% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 3.7765% | 1,304 |
| Noncurrent loans to loans | 4.3085% | 1,130 |
| Net loans and leases to total assets | 45.7952% | 5,785 |
| Net loans and leases to deposits | 52.3910% | 5,949 |
| Net loans and leases to core deposits | 53.1031% | 6,110 |
| Total domestic deposits to total assets | 87.4105% | 2,414 |
| Equity capital to assets | 10.0008% | 4,491 |
| Core capital (leverage) ratio | 8.9604% | 5,123 |
| Tier 1 risk-based capital ratio | 15.1320% | 3,751 |
| Total risk-based capital ratio | 16.4047% | 3,687 |
| Memoranda: | ||
| Average total assets | $6,561,545,000 | 142 |
| Average earning assets | $5,986,928,500 | 142 |
| Average equity | $617,239,750 | 168 |
| Average total loans | $3,138,142,000 | 179 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 6,655 |
| Cost of funding earning assets | 0.3058% | 6,715 |
| Net interest margin | 3.1539% | 5,858 |
| Noninterest income to average assets | 0.8121% | 2,127 |
| Noninterest expense to average assets | 2.9723% | 3,364 |
| Loan and lease loss provision to assets | 0.0607% | 4,892 |
| Net operating income to assets | 0.6601% | 4,061 |
| Return on assets (ROA) | 0.6893% | 4,188 |
| Pretax return on assets | 0.6838% | 4,872 |
| Return on Equity (ROE) | 7.4826% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.4826% | 1,883 |
| Net charge-offs to loans | 1.2341% | 872 |
| Credit loss provision to net charge-offs | 10.2654% | 4,735 |
| Earnings coverage of net charge-offs (x) | 1.2096% | 4,404 |
| Efficiency ratio | 80.6031% | 2,087 |
| Assets per employee ($millions) | 5.2507% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9660% | 352 |
| Loan loss allowance to noncurrent loans | 79.5420% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 4.0034% | 1,271 |
| Noncurrent loans to loans | 4.9860% | 995 |
| Net loans and leases to total assets | 44.5332% | 5,964 |
| Net loans and leases to deposits | 50.7665% | 6,131 |
| Net loans and leases to core deposits | 51.4753% | 6,269 |
| Total domestic deposits to total assets | 87.7217% | 2,322 |
| Equity capital to assets | 9.5944% | 4,921 |
| Core capital (leverage) ratio | 8.7062% | 5,370 |
| Tier 1 risk-based capital ratio | 14.9235% | 3,818 |
| Total risk-based capital ratio | 16.1985% | 3,751 |
| Memoranda: | ||
| Average total assets | $6,589,675,000 | 142 |
| Average earning assets | $6,007,922,330 | 142 |
| Average equity | $607,063,670 | 170 |
| Average total loans | $3,157,379,000 | 175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 6,730 |
| Cost of funding earning assets | 0.3233% | 6,764 |
| Net interest margin | 3.1455% | 5,916 |
| Noninterest income to average assets | 0.8883% | 1,798 |
| Noninterest expense to average assets | 3.0095% | 3,209 |
| Loan and lease loss provision to assets | 0.1209% | 3,834 |
| Net operating income to assets | 0.6176% | 4,275 |
| Return on assets (ROA) | 0.6525% | 4,324 |
| Pretax return on assets | 0.6615% | 4,906 |
| Return on Equity (ROE) | 7.2309% | 3,640 |
| Retained earnings to average equity (ytd only) | 7.2309% | 2,310 |
| Net charge-offs to loans | 1.1629% | 884 |
| Credit loss provision to net charge-offs | 21.3630% | 3,754 |
| Earnings coverage of net charge-offs (x) | 1.3201% | 3,671 |
| Efficiency ratio | 80.1098% | 2,187 |
| Assets per employee ($millions) | 5.3173% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1296% | 332 |
| Loan loss allowance to noncurrent loans | 70.0156% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 4.5713% | 1,162 |
| Noncurrent loans to loans | 5.8982% | 858 |
| Net loans and leases to total assets | 45.4910% | 5,843 |
| Net loans and leases to deposits | 51.6316% | 6,011 |
| Net loans and leases to core deposits | 52.3546% | 6,177 |
| Total domestic deposits to total assets | 88.1069% | 2,247 |
| Equity capital to assets | 9.1298% | 5,322 |
| Core capital (leverage) ratio | 8.5399% | 5,522 |
| Tier 1 risk-based capital ratio | 14.3510% | 4,209 |
| Total risk-based capital ratio | 15.6285% | 4,164 |
| Memoranda: | ||
| Average total assets | $6,615,921,500 | 143 |
| Average earning assets | $6,033,247,000 | 140 |
| Average equity | $596,994,000 | 170 |
| Average total loans | $3,220,346,000 | 171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 6,862 |
| Cost of funding earning assets | 0.5262% | 6,432 |
| Net interest margin | 3.1602% | 6,189 |
| Noninterest income to average assets | 0.6008% | 3,157 |
| Noninterest expense to average assets | 3.1745% | 2,949 |
| Loan and lease loss provision to assets | 0.9927% | 955 |
| Net operating income to assets | -0.5067% | 6,490 |
| Return on assets (ROA) | -0.4067% | 6,471 |
| Pretax return on assets | -0.5599% | 6,529 |
| Return on Equity (ROE) | -4.7066% | 6,514 |
| Retained earnings to average equity (ytd only) | -4.7066% | 6,424 |
| Net charge-offs to loans | 3.4463% | 226 |
| Credit loss provision to net charge-offs | 52.1451% | 5,377 |
| Earnings coverage of net charge-offs (x) | 0.1647% | 5,714 |
| Efficiency ratio | 89.7360% | 1,214 |
| Assets per employee ($millions) | 5.2304% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1930% | 325 |
| Loan loss allowance to noncurrent loans | 61.7547% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 5.1665% | 1,018 |
| Noncurrent loans to loans | 6.7898% | 667 |
| Net loans and leases to total assets | 47.8214% | 5,840 |
| Net loans and leases to deposits | 54.2453% | 6,044 |
| Net loans and leases to core deposits | 54.9901% | 6,228 |
| Total domestic deposits to total assets | 88.1576% | 2,052 |
| Equity capital to assets | 8.9162% | 5,659 |
| Core capital (leverage) ratio | 8.1903% | 6,019 |
| Tier 1 risk-based capital ratio | 13.7005% | 4,554 |
| Total risk-based capital ratio | 14.9792% | 4,499 |
| Memoranda: | ||
| Average total assets | $6,950,678,600 | 138 |
| Average earning assets | $6,350,597,400 | 138 |
| Average equity | $600,561,600 | 168 |
| Average total loans | $3,839,531,000 | 147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 6,935 |
| Cost of funding earning assets | 0.5655% | 6,448 |
| Net interest margin | 3.1328% | 6,339 |
| Noninterest income to average assets | 0.6477% | 2,897 |
| Noninterest expense to average assets | 3.1746% | 2,907 |
| Loan and lease loss provision to assets | 0.9844% | 882 |
| Net operating income to assets | -0.3951% | 6,577 |
| Return on assets (ROA) | -0.3022% | 6,559 |
| Pretax return on assets | -0.5172% | 6,632 |
| Return on Equity (ROE) | -3.5238% | 6,598 |
| Retained earnings to average equity (ytd only) | -3.5238% | 6,473 |
| Net charge-offs to loans | 3.1942% | 280 |
| Credit loss provision to net charge-offs | 54.5594% | 4,936 |
| Earnings coverage of net charge-offs (x) | 0.1875% | 5,455 |
| Efficiency ratio | 89.1170% | 1,231 |
| Assets per employee ($millions) | 5.1770% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5028% | 265 |
| Loan loss allowance to noncurrent loans | 57.4505% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 5.7601% | 949 |
| Noncurrent loans to loans | 7.8377% | 573 |
| Net loans and leases to total assets | 49.5502% | 5,766 |
| Net loans and leases to deposits | 56.2466% | 6,009 |
| Net loans and leases to core deposits | 56.9956% | 6,221 |
| Total domestic deposits to total assets | 88.0945% | 1,990 |
| Equity capital to assets | 9.0132% | 5,745 |
| Core capital (leverage) ratio | 8.2248% | 6,103 |
| Tier 1 risk-based capital ratio | 13.3716% | 4,826 |
| Total risk-based capital ratio | 14.6542% | 4,775 |
| Memoranda: | ||
| Average total assets | $7,043,388,250 | 138 |
| Average earning assets | $6,441,601,000 | 138 |
| Average equity | $604,033,750 | 168 |
| Average total loans | $3,978,344,000 | 142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7327% | 6,987 |
| Cost of funding earning assets | 0.6048% | 6,434 |
| Net interest margin | 3.1279% | 6,345 |
| Noninterest income to average assets | 0.6394% | 2,902 |
| Noninterest expense to average assets | 3.1053% | 3,233 |
| Loan and lease loss provision to assets | 0.9243% | 963 |
| Net operating income to assets | -0.5323% | 6,713 |
| Return on assets (ROA) | -0.4769% | 6,697 |
| Pretax return on assets | -0.4713% | 6,641 |
| Return on Equity (ROE) | -5.6513% | 6,756 |
| Retained earnings to average equity (ytd only) | -5.6513% | 6,622 |
| Net charge-offs to loans | 3.5218% | 252 |
| Credit loss provision to net charge-offs | 45.3004% | 4,701 |
| Earnings coverage of net charge-offs (x) | 0.1948% | 5,162 |
| Efficiency ratio | 87.3739% | 1,471 |
| Assets per employee ($millions) | 5.1662% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3160% | 330 |
| Loan loss allowance to noncurrent loans | 52.2375% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 6.0662% | 924 |
| Noncurrent loans to loans | 8.2623% | 534 |
| Net loans and leases to total assets | 51.8903% | 5,578 |
| Net loans and leases to deposits | 58.7837% | 5,850 |
| Net loans and leases to core deposits | 59.7944% | 6,104 |
| Total domestic deposits to total assets | 88.2732% | 1,980 |
| Equity capital to assets | 8.9225% | 5,686 |
| Core capital (leverage) ratio | 7.9620% | 6,346 |
| Tier 1 risk-based capital ratio | 13.0112% | 4,906 |
| Total risk-based capital ratio | 14.2936% | 4,866 |
| Memoranda: | ||
| Average total assets | $7,140,894,330 | 138 |
| Average earning assets | $6,537,144,330 | 138 |
| Average equity | $602,554,670 | 169 |
| Average total loans | $4,136,861,670 | 141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 6,988 |
| Cost of funding earning assets | 0.6397% | 6,429 |
| Net interest margin | 3.1302% | 6,267 |
| Noninterest income to average assets | 0.6375% | 2,914 |
| Noninterest expense to average assets | 3.1376% | 3,116 |
| Loan and lease loss provision to assets | 0.5504% | 1,571 |
| Net operating income to assets | -0.1930% | 6,553 |
| Return on assets (ROA) | -0.1675% | 6,542 |
| Pretax return on assets | -0.1587% | 6,506 |
| Return on Equity (ROE) | -2.0402% | 6,586 |
| Retained earnings to average equity (ytd only) | -2.0402% | 6,151 |
| Net charge-offs to loans | 2.4952% | 465 |
| Credit loss provision to net charge-offs | 36.9549% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2459% | 4,428 |
| Efficiency ratio | 88.2934% | 1,475 |
| Assets per employee ($millions) | 5.2204% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4410% | 299 |
| Loan loss allowance to noncurrent loans | 47.8551% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 7.1136% | 743 |
| Noncurrent loans to loans | 9.2800% | 466 |
| Net loans and leases to total assets | 55.1096% | 5,140 |
| Net loans and leases to deposits | 62.2771% | 5,463 |
| Net loans and leases to core deposits | 63.6707% | 5,767 |
| Total domestic deposits to total assets | 88.4909% | 2,081 |
| Equity capital to assets | 8.3063% | 6,154 |
| Core capital (leverage) ratio | 7.8924% | 6,376 |
| Tier 1 risk-based capital ratio | 12.4939% | 5,275 |
| Total risk-based capital ratio | 13.7797% | 5,217 |
| Memoranda: | ||
| Average total assets | $7,268,098,000 | 141 |
| Average earning assets | $6,655,338,000 | 141 |
| Average equity | $596,608,500 | 170 |
| Average total loans | $4,337,991,000 | 139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 7,006 |
| Cost of funding earning assets | 0.9627% | 5,876 |
| Net interest margin | 3.1693% | 6,339 |
| Noninterest income to average assets | 0.7309% | 2,642 |
| Noninterest expense to average assets | 3.3502% | 2,580 |
| Loan and lease loss provision to assets | 2.4755% | 453 |
| Net operating income to assets | -2.2361% | 7,122 |
| Return on assets (ROA) | -2.0642% | 7,085 |
| Pretax return on assets | -2.0286% | 7,035 |
| Return on Equity (ROE) | -25.5287% | 7,146 |
| Retained earnings to average equity (ytd only) | -25.5287% | 7,128 |
| Net charge-offs to loans | 4.8927% | 188 |
| Credit loss provision to net charge-offs | 76.6767% | 5,675 |
| Earnings coverage of net charge-offs (x) | 0.0852% | 6,034 |
| Efficiency ratio | 91.2524% | 1,232 |
| Assets per employee ($millions) | 5.2111% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4345% | 282 |
| Loan loss allowance to noncurrent loans | 49.7076% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 7.4128% | 714 |
| Noncurrent loans to loans | 8.9213% | 530 |
| Net loans and leases to total assets | 58.9195% | 4,866 |
| Net loans and leases to deposits | 65.8441% | 5,424 |
| Net loans and leases to core deposits | 67.4327% | 5,724 |
| Total domestic deposits to total assets | 89.4833% | 1,390 |
| Equity capital to assets | 8.1132% | 6,367 |
| Core capital (leverage) ratio | 7.3991% | 6,788 |
| Tier 1 risk-based capital ratio | 11.6591% | 5,762 |
| Total risk-based capital ratio | 12.9457% | 5,737 |
| Memoranda: | ||
| Average total assets | $8,644,836,800 | 125 |
| Average earning assets | $7,894,607,200 | 122 |
| Average equity | $699,020,400 | 148 |
| Average total loans | $5,704,272,200 | 110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 7,118 |
| Cost of funding earning assets | 1.0094% | 5,897 |
| Net interest margin | 3.1725% | 6,425 |
| Noninterest income to average assets | 0.8242% | 2,109 |
| Noninterest expense to average assets | 3.2150% | 2,873 |
| Loan and lease loss provision to assets | 2.4086% | 450 |
| Net operating income to assets | -1.9693% | 7,230 |
| Return on assets (ROA) | -1.9450% | 7,241 |
| Pretax return on assets | -1.8799% | 7,162 |
| Return on Equity (ROE) | -24.0705% | 7,294 |
| Retained earnings to average equity (ytd only) | -24.0705% | 7,284 |
| Net charge-offs to loans | 4.4927% | 225 |
| Credit loss provision to net charge-offs | 80.1679% | 5,127 |
| Earnings coverage of net charge-offs (x) | 0.1679% | 5,855 |
| Efficiency ratio | 85.3148% | 1,704 |
| Assets per employee ($millions) | 5.3384% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4609% | 257 |
| Loan loss allowance to noncurrent loans | 47.3552% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 8.2576% | 594 |
| Noncurrent loans to loans | 9.4201% | 483 |
| Net loans and leases to total assets | 61.6928% | 4,592 |
| Net loans and leases to deposits | 72.8523% | 4,717 |
| Net loans and leases to core deposits | 74.6368% | 5,212 |
| Total domestic deposits to total assets | 84.6820% | 3,781 |
| Equity capital to assets | 8.5272% | 6,247 |
| Core capital (leverage) ratio | 7.4890% | 6,853 |
| Tier 1 risk-based capital ratio | 11.4270% | 5,993 |
| Total risk-based capital ratio | 12.7134% | 5,953 |
| Memoranda: | ||
| Average total assets | $8,967,813,250 | 119 |
| Average earning assets | $8,183,849,500 | 113 |
| Average equity | $724,636,500 | 143 |
| Average total loans | $5,997,004,500 | 108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 7,236 |
| Cost of funding earning assets | 1.0358% | 5,982 |
| Net interest margin | 3.1098% | 6,585 |
| Noninterest income to average assets | 0.9099% | 1,656 |
| Noninterest expense to average assets | 2.9460% | 3,910 |
| Loan and lease loss provision to assets | 2.6763% | 402 |
| Net operating income to assets | -1.8821% | 7,276 |
| Return on assets (ROA) | -1.8603% | 7,279 |
| Pretax return on assets | -1.8523% | 7,191 |
| Return on Equity (ROE) | -23.3840% | 7,344 |
| Retained earnings to average equity (ytd only) | -23.3840% | 7,329 |
| Net charge-offs to loans | 4.7300% | 231 |
| Credit loss provision to net charge-offs | 83.8038% | 4,599 |
| Earnings coverage of net charge-offs (x) | 0.2512% | 5,476 |
| Efficiency ratio | 77.4638% | 2,820 |
| Assets per employee ($millions) | 5.1711% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3327% | 288 |
| Loan loss allowance to noncurrent loans | 48.8716% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 8.0754% | 605 |
| Noncurrent loans to loans | 8.8655% | 541 |
| Net loans and leases to total assets | 63.3085% | 4,391 |
| Net loans and leases to deposits | 76.1848% | 4,300 |
| Net loans and leases to core deposits | 78.2120% | 4,917 |
| Total domestic deposits to total assets | 83.0985% | 4,530 |
| Equity capital to assets | 8.3070% | 6,417 |
| Core capital (leverage) ratio | 7.6461% | 6,682 |
| Tier 1 risk-based capital ratio | 10.8206% | 6,432 |
| Total risk-based capital ratio | 12.1050% | 6,385 |
| Memoranda: | ||
| Average total assets | $9,341,254,000 | 114 |
| Average earning assets | $8,525,645,330 | 109 |
| Average equity | $743,124,330 | 140 |
| Average total loans | $6,306,877,330 | 105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 7,381 |
| Cost of funding earning assets | 1.1053% | 5,880 |
| Net interest margin | 2.9887% | 6,855 |
| Noninterest income to average assets | 0.9940% | 1,324 |
| Noninterest expense to average assets | 2.9715% | 3,774 |
| Loan and lease loss provision to assets | 1.7156% | 660 |
| Net operating income to assets | -0.9644% | 7,087 |
| Return on assets (ROA) | -0.9465% | 7,106 |
| Pretax return on assets | -0.9398% | 7,021 |
| Return on Equity (ROE) | -12.1288% | 7,219 |
| Retained earnings to average equity (ytd only) | -12.1288% | 7,073 |
| Net charge-offs to loans | 3.4869% | 409 |
| Credit loss provision to net charge-offs | 72.2556% | 4,052 |
| Earnings coverage of net charge-offs (x) | 0.3192% | 4,757 |
| Efficiency ratio | 78.4992% | 2,815 |
| Assets per employee ($millions) | 5.1305% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9711% | 391 |
| Loan loss allowance to noncurrent loans | 37.7886% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 8.8101% | 518 |
| Noncurrent loans to loans | 10.5088% | 389 |
| Net loans and leases to total assets | 66.9291% | 3,648 |
| Net loans and leases to deposits | 80.3784% | 3,583 |
| Net loans and leases to core deposits | 82.6250% | 4,403 |
| Total domestic deposits to total assets | 83.2675% | 4,491 |
| Equity capital to assets | 8.3396% | 6,246 |
| Core capital (leverage) ratio | 7.0789% | 7,196 |
| Tier 1 risk-based capital ratio | 10.2492% | 6,846 |
| Total risk-based capital ratio | 11.5295% | 6,811 |
| Memoranda: | ||
| Average total assets | $9,792,290,000 | 109 |
| Average earning assets | $8,962,162,000 | 104 |
| Average equity | $764,166,500 | 137 |
| Average total loans | $6,667,972,500 | 100 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 6,872 |
| Cost of funding earning assets | 1.5687% | 5,190 |
| Net interest margin | 3.2662% | 5,868 |
| Noninterest income to average assets | 0.3851% | 5,337 |
| Noninterest expense to average assets | 3.7369% | 1,829 |
| Loan and lease loss provision to assets | 3.7139% | 398 |
| Net operating income to assets | -4.1536% | 7,631 |
| Return on assets (ROA) | -3.8658% | 7,581 |
| Pretax return on assets | -3.8405% | 7,494 |
| Return on Equity (ROE) | -42.1335% | 7,601 |
| Retained earnings to average equity (ytd only) | -42.1335% | 7,588 |
| Net charge-offs to loans | 4.2352% | 365 |
| Credit loss provision to net charge-offs | 115.0303% | 4,746 |
| Earnings coverage of net charge-offs (x) | -0.1283% | 6,363 |
| Efficiency ratio | 88.3762% | 1,850 |
| Assets per employee ($millions) | 5.3880% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7854% | 415 |
| Loan loss allowance to noncurrent loans | 38.3428% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 7.7740% | 597 |
| Noncurrent loans to loans | 9.8724% | 421 |
| Net loans and leases to total assets | 64.1959% | 4,562 |
| Net loans and leases to deposits | 76.8413% | 4,598 |
| Net loans and leases to core deposits | 89.8378% | 5,148 |
| Total domestic deposits to total assets | 83.5435% | 4,261 |
| Equity capital to assets | 7.3449% | 7,165 |
| Core capital (leverage) ratio | 6.5593% | 7,463 |
| Tier 1 risk-based capital ratio | 9.1104% | 7,420 |
| Total risk-based capital ratio | 10.3885% | 7,421 |
| Memoranda: | ||
| Average total assets | $10,501,223,200 | 104 |
| Average earning assets | $9,444,495,000 | 100 |
| Average equity | $963,501,800 | 116 |
| Average total loans | $8,005,372,600 | 88 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 6,722 |
| Cost of funding earning assets | 1.6746% | 5,037 |
| Net interest margin | 3.2905% | 5,675 |
| Noninterest income to average assets | 0.9338% | 1,842 |
| Noninterest expense to average assets | 3.0840% | 3,702 |
| Loan and lease loss provision to assets | 4.1566% | 268 |
| Net operating income to assets | -3.3928% | 7,671 |
| Return on assets (ROA) | -3.2596% | 7,646 |
| Pretax return on assets | -3.2282% | 7,554 |
| Return on Equity (ROE) | -33.8291% | 7,680 |
| Retained earnings to average equity (ytd only) | -33.8291% | 7,672 |
| Net charge-offs to loans | 4.1465% | 326 |
| Credit loss provision to net charge-offs | 127.4973% | 3,939 |
| Earnings coverage of net charge-offs (x) | 0.2439% | 5,772 |
| Efficiency ratio | 77.2183% | 3,283 |
| Assets per employee ($millions) | 5.1839% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7388% | 354 |
| Loan loss allowance to noncurrent loans | 46.3593% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 7.4372% | 608 |
| Noncurrent loans to loans | 8.0647% | 599 |
| Net loans and leases to total assets | 70.3704% | 3,420 |
| Net loans and leases to deposits | 85.9221% | 3,331 |
| Net loans and leases to core deposits | 99.7396% | 4,403 |
| Total domestic deposits to total assets | 81.9002% | 4,713 |
| Equity capital to assets | 8.6440% | 6,046 |
| Core capital (leverage) ratio | 7.1999% | 7,267 |
| Tier 1 risk-based capital ratio | 8.9088% | 7,652 |
| Total risk-based capital ratio | 10.1863% | 7,666 |
| Memoranda: | ||
| Average total assets | $10,489,103,750 | 110 |
| Average earning assets | $9,388,516,500 | 106 |
| Average equity | $1,010,662,250 | 117 |
| Average total loans | $8,246,985,750 | 92 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 6,498 |
| Cost of funding earning assets | 1.7538% | 4,985 |
| Net interest margin | 3.3298% | 5,440 |
| Noninterest income to average assets | 0.9633% | 1,719 |
| Noninterest expense to average assets | 3.1309% | 3,577 |
| Loan and lease loss provision to assets | 4.2147% | 281 |
| Net operating income to assets | -3.4581% | 7,762 |
| Return on assets (ROA) | -3.3429% | 7,732 |
| Pretax return on assets | -3.2989% | 7,632 |
| Return on Equity (ROE) | -33.5231% | 7,762 |
| Retained earnings to average equity (ytd only) | -33.5231% | 7,738 |
| Net charge-offs to loans | 3.6387% | 417 |
| Credit loss provision to net charge-offs | 143.8877% | 3,219 |
| Earnings coverage of net charge-offs (x) | 0.2733% | 5,399 |
| Efficiency ratio | 77.3623% | 3,446 |
| Assets per employee ($millions) | 4.8817% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5051% | 377 |
| Loan loss allowance to noncurrent loans | 56.2785% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 6.4404% | 716 |
| Noncurrent loans to loans | 6.2282% | 872 |
| Net loans and leases to total assets | 76.3211% | 2,103 |
| Net loans and leases to deposits | 90.2977% | 2,787 |
| Net loans and leases to core deposits | 104.7596% | 3,983 |
| Total domestic deposits to total assets | 84.5217% | 3,493 |
| Equity capital to assets | 9.4032% | 4,746 |
| Core capital (leverage) ratio | 7.7933% | 6,624 |
| Tier 1 risk-based capital ratio | 8.8906% | 7,746 |
| Total risk-based capital ratio | 10.1656% | 7,771 |
| Memoranda: | ||
| Average total assets | $10,439,661,670 | 112 |
| Average earning assets | $9,306,054,000 | 109 |
| Average equity | $1,041,049,330 | 117 |
| Average total loans | $8,403,867,670 | 95 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 6,592 |
| Cost of funding earning assets | 1.8744% | 4,775 |
| Net interest margin | 3.2454% | 5,707 |
| Noninterest income to average assets | 0.9299% | 1,738 |
| Noninterest expense to average assets | 3.0806% | 3,448 |
| Loan and lease loss provision to assets | 4.1231% | 228 |
| Net operating income to assets | -3.3686% | 7,898 |
| Return on assets (ROA) | -3.2722% | 7,888 |
| Pretax return on assets | -3.2876% | 7,806 |
| Return on Equity (ROE) | -31.9129% | 7,921 |
| Retained earnings to average equity (ytd only) | -31.9129% | 7,876 |
| Net charge-offs to loans | 3.3695% | 369 |
| Credit loss provision to net charge-offs | 150.7054% | 2,767 |
| Earnings coverage of net charge-offs (x) | 0.2701% | 4,758 |
| Efficiency ratio | 78.3145% | 3,114 |
| Assets per employee ($millions) | 4.7438% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0464% | 459 |
| Loan loss allowance to noncurrent loans | 56.2793% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 5.8881% | 693 |
| Noncurrent loans to loans | 5.4129% | 972 |
| Net loans and leases to total assets | 79.9067% | 1,404 |
| Net loans and leases to deposits | 93.4718% | 2,363 |
| Net loans and leases to core deposits | 108.7024% | 3,596 |
| Total domestic deposits to total assets | 85.4875% | 2,978 |
| Equity capital to assets | 10.1492% | 3,828 |
| Core capital (leverage) ratio | 8.2696% | 5,962 |
| Tier 1 risk-based capital ratio | 9.1506% | 7,706 |
| Total risk-based capital ratio | 10.4195% | 7,690 |
| Memoranda: | ||
| Average total assets | $10,477,615,500 | 113 |
| Average earning assets | $9,329,708,000 | 111 |
| Average equity | $1,074,312,000 | 115 |
| Average total loans | $8,507,277,500 | 97 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2067% | 4,482 |
| Cost of funding earning assets | 2.3914% | 4,752 |
| Net interest margin | 3.8153% | 3,955 |
| Noninterest income to average assets | 0.8873% | 2,013 |
| Noninterest expense to average assets | 3.0436% | 3,929 |
| Loan and lease loss provision to assets | 3.4090% | 243 |
| Net operating income to assets | -2.3887% | 7,678 |
| Return on assets (ROA) | -2.3728% | 7,639 |
| Pretax return on assets | -2.1801% | 7,499 |
| Return on Equity (ROE) | -22.1070% | 7,803 |
| Retained earnings to average equity (ytd only) | -26.8539% | 7,850 |
| Net charge-offs to loans | 3.5596% | 219 |
| Credit loss provision to net charge-offs | 116.3905% | 4,633 |
| Earnings coverage of net charge-offs (x) | 0.4141% | 5,987 |
| Efficiency ratio | 69.0814% | 4,514 |
| Assets per employee ($millions) | 5.0267% | 1,925 |
| Cash dividends to net income (ytd only)* | -21.4724% | 7,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5627% | 642 |
| Loan loss allowance to noncurrent loans | 51.8298% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 4.8096% | 749 |
| Noncurrent loans to loans | 4.9445% | 902 |
| Net loans and leases to total assets | 77.9802% | 2,143 |
| Net loans and leases to deposits | 94.6682% | 2,666 |
| Net loans and leases to core deposits | 110.3492% | 3,740 |
| Total domestic deposits to total assets | 82.3722% | 4,052 |
| Equity capital to assets | 10.3526% | 3,663 |
| Core capital (leverage) ratio | 8.8533% | 4,968 |
| Tier 1 risk-based capital ratio | 9.7509% | 7,016 |
| Total risk-based capital ratio | 11.0143% | 6,895 |
| Memoranda: | ||
| Average total assets | $10,795,065,800 | 106 |
| Average earning assets | $9,533,336,000 | 108 |
| Average equity | $1,158,652,000 | 101 |
| Average total loans | $8,882,374,600 | 91 |