Home > First Midwest Bank > Performance and Condition Ratios
First Midwest Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1439% | 3,599 |
| Cost of funding earning assets | 0.1283% | 4,163 |
| Net interest margin | 3.0156% | 3,153 |
| Noninterest income to average assets | 0.8397% | 1,346 |
| Noninterest expense to average assets | 2.0618% | 3,497 |
| Loan and lease loss provision to assets | 0.0149% | 2,785 |
| Net operating income to assets | 1.0914% | 2,327 |
| Return on assets (ROA) | 1.0904% | 2,401 |
| Pretax return on assets | 1.4796% | 1,790 |
| Return on Equity (ROE) | 9.4325% | 2,745 |
| Retained earnings to average equity (ytd only) | 4.6022% | 2,966 |
| Net charge-offs to loans | 0.2746% | 323 |
| Credit loss provision to net charge-offs | 7.7502% | 2,312 |
| Earnings coverage of net charge-offs (x) | 7.7843% | 2,330 |
| Efficiency ratio | 56.7348% | 3,612 |
| Assets per employee ($millions) | 11.4682% | 449 |
| Cash dividends to net income (ytd only)* | 51.2088% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 2,053 |
| Loan loss allowance to noncurrent loans | 195.5542% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 1,333 |
| Noncurrent loans to loans | 0.7001% | 1,441 |
| Net loans and leases to total assets | 67.0245% | 1,370 |
| Net loans and leases to deposits | 82.4699% | 1,019 |
| Net loans and leases to core deposits | 84.3004% | 1,308 |
| Total domestic deposits to total assets | 81.2715% | 4,070 |
| Equity capital to assets | 11.4616% | 1,526 |
| Core capital (leverage) ratio | 7.9736% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7871% | 2,935 |
| Memoranda: | ||
| Average total assets | $21,312,392,600 | 94 |
| Average earning assets | $19,208,836,600 | 96 |
| Average equity | $2,463,632,400 | 98 |
| Average total loans | $14,914,347,600 | 86 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1975% | 3,608 |
| Cost of funding earning assets | 0.1316% | 4,254 |
| Net interest margin | 3.0659% | 3,138 |
| Noninterest income to average assets | 0.8447% | 1,396 |
| Noninterest expense to average assets | 2.0524% | 3,512 |
| Loan and lease loss provision to assets | 0.0383% | 2,225 |
| Net operating income to assets | 1.1138% | 2,502 |
| Return on assets (ROA) | 1.1129% | 2,556 |
| Pretax return on assets | 1.5130% | 1,962 |
| Return on Equity (ROE) | 9.6071% | 2,880 |
| Retained earnings to average equity (ytd only) | 6.5175% | 2,611 |
| Net charge-offs to loans | 0.3463% | 225 |
| Credit loss provision to net charge-offs | 15.6866% | 2,006 |
| Earnings coverage of net charge-offs (x) | 6.3596% | 2,181 |
| Efficiency ratio | 55.7255% | 3,558 |
| Assets per employee ($millions) | 11.1282% | 466 |
| Cash dividends to net income (ytd only)* | 32.1598% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 2,052 |
| Loan loss allowance to noncurrent loans | 230.7566% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 1,725 |
| Noncurrent loans to loans | 0.6037% | 1,800 |
| Net loans and leases to total assets | 67.5150% | 1,374 |
| Net loans and leases to deposits | 83.1529% | 1,018 |
| Net loans and leases to core deposits | 85.0363% | 1,349 |
| Total domestic deposits to total assets | 81.1938% | 4,063 |
| Equity capital to assets | 11.5548% | 1,633 |
| Core capital (leverage) ratio | 8.0732% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8356% | 2,999 |
| Memoranda: | ||
| Average total assets | $21,233,229,250 | 95 |
| Average earning assets | $19,115,501,500 | 96 |
| Average equity | $2,459,782,000 | 99 |
| Average total loans | $14,968,434,000 | 86 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2068% | 3,666 |
| Cost of funding earning assets | 0.1353% | 4,315 |
| Net interest margin | 3.0714% | 3,114 |
| Noninterest income to average assets | 0.8489% | 1,393 |
| Noninterest expense to average assets | 2.0579% | 3,526 |
| Loan and lease loss provision to assets | 0.0578% | 1,874 |
| Net operating income to assets | 1.1015% | 2,541 |
| Return on assets (ROA) | 1.1004% | 2,611 |
| Pretax return on assets | 1.4951% | 2,030 |
| Return on Equity (ROE) | 9.4907% | 2,953 |
| Retained earnings to average equity (ytd only) | 6.8751% | 2,476 |
| Net charge-offs to loans | 0.4062% | 208 |
| Credit loss provision to net charge-offs | 19.9843% | 1,734 |
| Earnings coverage of net charge-offs (x) | 5.3744% | 1,998 |
| Efficiency ratio | 55.7564% | 3,574 |
| Assets per employee ($millions) | 10.7263% | 493 |
| Cash dividends to net income (ytd only)* | 27.5591% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,866 |
| Loan loss allowance to noncurrent loans | 171.1878% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 1,372 |
| Noncurrent loans to loans | 0.8327% | 1,472 |
| Net loans and leases to total assets | 69.0729% | 1,314 |
| Net loans and leases to deposits | 85.2368% | 964 |
| Net loans and leases to core deposits | 87.2564% | 1,325 |
| Total domestic deposits to total assets | 81.0365% | 4,087 |
| Equity capital to assets | 11.5510% | 1,598 |
| Core capital (leverage) ratio | 8.0244% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5846% | 3,027 |
| Memoranda: | ||
| Average total assets | $21,103,579,000 | 95 |
| Average earning assets | $18,985,841,333 | 95 |
| Average equity | $2,446,913,000 | 96 |
| Average total loans | $15,023,093,000 | 85 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2087% | 3,669 |
| Cost of funding earning assets | 0.1400% | 4,384 |
| Net interest margin | 3.0687% | 3,082 |
| Noninterest income to average assets | 0.8752% | 1,395 |
| Noninterest expense to average assets | 2.0926% | 3,445 |
| Loan and lease loss provision to assets | 0.1166% | 1,173 |
| Net operating income to assets | 1.0488% | 2,642 |
| Return on assets (ROA) | 1.0462% | 2,732 |
| Pretax return on assets | 1.4222% | 2,218 |
| Return on Equity (ROE) | 9.0056% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.8531% | 2,296 |
| Net charge-offs to loans | 0.2600% | 329 |
| Credit loss provision to net charge-offs | 62.5051% | 1,268 |
| Earnings coverage of net charge-offs (x) | 8.2641% | 1,584 |
| Efficiency ratio | 56.3510% | 3,505 |
| Assets per employee ($millions) | 10.5793% | 504 |
| Cash dividends to net income (ytd only)* | 12.7975% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 1,437 |
| Loan loss allowance to noncurrent loans | 143.7412% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 1,106 |
| Noncurrent loans to loans | 1.0759% | 1,249 |
| Net loans and leases to total assets | 71.0256% | 1,149 |
| Net loans and leases to deposits | 88.1090% | 817 |
| Net loans and leases to core deposits | 90.5703% | 1,193 |
| Total domestic deposits to total assets | 80.6110% | 4,122 |
| Equity capital to assets | 11.5151% | 1,535 |
| Core capital (leverage) ratio | 8.0951% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5885% | 2,994 |
| Memoranda: | ||
| Average total assets | $20,913,001,000 | 96 |
| Average earning assets | $18,805,891,500 | 96 |
| Average equity | $2,429,519,500 | 98 |
| Average total loans | $15,007,274,500 | 86 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 3,745 |
| Cost of funding earning assets | 0.3192% | 4,033 |
| Net interest margin | 3.3070% | 3,052 |
| Noninterest income to average assets | 0.5277% | 2,517 |
| Noninterest expense to average assets | 2.1967% | 3,672 |
| Loan and lease loss provision to assets | 0.4962% | 500 |
| Net operating income to assets | 0.6144% | 3,697 |
| Return on assets (ROA) | 0.6684% | 3,659 |
| Pretax return on assets | 0.8507% | 3,500 |
| Return on Equity (ROE) | 5.5718% | 3,723 |
| Retained earnings to average equity (ytd only) | -0.5095% | 4,591 |
| Net charge-offs to loans | 0.3632% | 478 |
| Credit loss provision to net charge-offs | 192.1608% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.9514% | 2,919 |
| Efficiency ratio | 61.8806% | 3,159 |
| Assets per employee ($millions) | 10.0684% | 519 |
| Cash dividends to net income (ytd only)* | 109.1440% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,251 |
| Loan loss allowance to noncurrent loans | 162.6851% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 1,375 |
| Noncurrent loans to loans | 0.9930% | 1,424 |
| Net loans and leases to total assets | 70.2201% | 1,531 |
| Net loans and leases to deposits | 88.4465% | 1,044 |
| Net loans and leases to core deposits | 91.2077% | 1,446 |
| Total domestic deposits to total assets | 79.3927% | 4,153 |
| Equity capital to assets | 11.7212% | 1,718 |
| Core capital (leverage) ratio | 7.8620% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2379% | 3,056 |
| Memoranda: | ||
| Average total assets | $19,875,049,400 | 94 |
| Average earning assets | $17,714,713,800 | 95 |
| Average equity | $2,384,364,400 | 93 |
| Average total loans | $14,128,318,400 | 88 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 3,846 |
| Cost of funding earning assets | 0.3671% | 3,963 |
| Net interest margin | 3.3117% | 3,154 |
| Noninterest income to average assets | 0.5337% | 2,454 |
| Noninterest expense to average assets | 2.2090% | 3,659 |
| Loan and lease loss provision to assets | 0.5975% | 425 |
| Net operating income to assets | 0.5022% | 4,026 |
| Return on assets (ROA) | 0.5752% | 3,939 |
| Pretax return on assets | 0.7656% | 3,742 |
| Return on Equity (ROE) | 4.7654% | 3,951 |
| Retained earnings to average equity (ytd only) | -1.5275% | 4,666 |
| Net charge-offs to loans | 0.3894% | 408 |
| Credit loss provision to net charge-offs | 216.0569% | 2,050 |
| Earnings coverage of net charge-offs (x) | 4.5953% | 2,806 |
| Efficiency ratio | 62.1417% | 3,051 |
| Assets per employee ($millions) | 9.7929% | 547 |
| Cash dividends to net income (ytd only)* | 132.0552% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 1,039 |
| Loan loss allowance to noncurrent loans | 162.2281% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 1,590 |
| Noncurrent loans to loans | 0.9997% | 1,495 |
| Net loans and leases to total assets | 69.0956% | 2,094 |
| Net loans and leases to deposits | 89.4941% | 1,323 |
| Net loans and leases to core deposits | 92.6735% | 1,740 |
| Total domestic deposits to total assets | 77.2068% | 4,295 |
| Equity capital to assets | 11.5036% | 2,001 |
| Core capital (leverage) ratio | 7.5243% | 4,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1945% | 3,073 |
| Memoranda: | ||
| Average total assets | $19,661,113,500 | 93 |
| Average earning assets | $17,490,889,000 | 95 |
| Average equity | $2,372,978,500 | 93 |
| Average total loans | $13,961,348,750 | 88 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 3,877 |
| Cost of funding earning assets | 0.4134% | 3,978 |
| Net interest margin | 3.3782% | 3,163 |
| Noninterest income to average assets | 0.7466% | 1,587 |
| Noninterest expense to average assets | 2.2839% | 3,562 |
| Loan and lease loss provision to assets | 0.7511% | 342 |
| Net operating income to assets | 0.5336% | 3,923 |
| Return on assets (ROA) | 0.5276% | 4,026 |
| Pretax return on assets | 0.7039% | 3,861 |
| Return on Equity (ROE) | 4.2978% | 4,022 |
| Retained earnings to average equity (ytd only) | -5.0272% | 4,769 |
| Net charge-offs to loans | 0.3655% | 437 |
| Credit loss provision to net charge-offs | 288.2973% | 1,654 |
| Earnings coverage of net charge-offs (x) | 5.6141% | 2,499 |
| Efficiency ratio | 59.6978% | 3,449 |
| Assets per employee ($millions) | 9.5537% | 577 |
| Cash dividends to net income (ytd only)* | 216.9711% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,002 |
| Loan loss allowance to noncurrent loans | 168.5747% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 1,711 |
| Noncurrent loans to loans | 0.9507% | 1,627 |
| Net loans and leases to total assets | 69.6509% | 2,085 |
| Net loans and leases to deposits | 93.0557% | 1,044 |
| Net loans and leases to core deposits | 96.2649% | 1,558 |
| Total domestic deposits to total assets | 74.8486% | 4,532 |
| Equity capital to assets | 11.5542% | 1,935 |
| Core capital (leverage) ratio | 8.2356% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1187% | 3,148 |
| Memoranda: | ||
| Average total assets | $19,219,451,667 | 95 |
| Average earning assets | $17,067,653,000 | 97 |
| Average equity | $2,359,249,000 | 94 |
| Average total loans | $13,701,961,333 | 90 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 3,359 |
| Cost of funding earning assets | 0.5632% | 3,626 |
| Net interest margin | 3.5934% | 2,688 |
| Noninterest income to average assets | 0.8732% | 1,122 |
| Noninterest expense to average assets | 2.3935% | 3,549 |
| Loan and lease loss provision to assets | 0.8301% | 288 |
| Net operating income to assets | 0.6359% | 3,488 |
| Return on assets (ROA) | 0.6211% | 3,593 |
| Pretax return on assets | 0.8161% | 3,374 |
| Return on Equity (ROE) | 4.8930% | 3,668 |
| Retained earnings to average equity (ytd only) | -2.5324% | 4,302 |
| Net charge-offs to loans | 0.3709% | 386 |
| Credit loss provision to net charge-offs | 312.5970% | 1,142 |
| Earnings coverage of net charge-offs (x) | 6.2699% | 1,996 |
| Efficiency ratio | 57.7567% | 4,032 |
| Assets per employee ($millions) | 8.7038% | 586 |
| Cash dividends to net income (ytd only)* | 151.7558% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 1,225 |
| Loan loss allowance to noncurrent loans | 137.7117% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 1,611 |
| Noncurrent loans to loans | 1.1179% | 1,481 |
| Net loans and leases to total assets | 69.6208% | 2,307 |
| Net loans and leases to deposits | 97.8822% | 728 |
| Net loans and leases to core deposits | 104.6809% | 1,141 |
| Total domestic deposits to total assets | 71.1271% | 4,811 |
| Equity capital to assets | 12.3492% | 1,834 |
| Core capital (leverage) ratio | 8.6268% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9702% | 3,333 |
| Memoranda: | ||
| Average total assets | $18,248,499,000 | 95 |
| Average earning assets | $16,175,352,500 | 96 |
| Average equity | $2,316,357,500 | 96 |
| Average total loans | $13,063,380,000 | 92 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 2,399 |
| Cost of funding earning assets | 0.6424% | 3,449 |
| Net interest margin | 4.0345% | 1,731 |
| Noninterest income to average assets | 0.9338% | 1,110 |
| Noninterest expense to average assets | 2.4516% | 3,573 |
| Loan and lease loss provision to assets | 0.2614% | 690 |
| Net operating income to assets | 1.3424% | 1,534 |
| Return on assets (ROA) | 1.3444% | 1,604 |
| Pretax return on assets | 1.8005% | 935 |
| Return on Equity (ROE) | 10.1224% | 2,242 |
| Retained earnings to average equity (ytd only) | -0.4284% | 4,757 |
| Net charge-offs to loans | 0.3120% | 666 |
| Credit loss provision to net charge-offs | 115.1816% | 2,185 |
| Earnings coverage of net charge-offs (x) | 9.0735% | 2,703 |
| Efficiency ratio | 53.2235% | 4,497 |
| Assets per employee ($millions) | 8.4320% | 611 |
| Cash dividends to net income (ytd only)* | 104.2325% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 4,192 |
| Loan loss allowance to noncurrent loans | 101.7032% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 1,967 |
| Noncurrent loans to loans | 0.8249% | 1,858 |
| Net loans and leases to total assets | 71.9029% | 2,106 |
| Net loans and leases to deposits | 94.5618% | 1,099 |
| Net loans and leases to core deposits | 100.7199% | 1,505 |
| Total domestic deposits to total assets | 76.0380% | 4,594 |
| Equity capital to assets | 13.0567% | 1,480 |
| Core capital (leverage) ratio | 8.7942% | 4,668 |
| Tier 1 risk-based capital ratio | 10.5061% | 5,021 |
| Total risk-based capital ratio | 11.2764% | 5,076 |
| Memoranda: | ||
| Average total assets | $16,841,491,600 | 94 |
| Average earning assets | $14,932,460,000 | 96 |
| Average equity | $2,236,787,200 | 95 |
| Average total loans | $12,252,374,000 | 89 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 2,337 |
| Cost of funding earning assets | 0.6466% | 3,466 |
| Net interest margin | 4.0797% | 1,672 |
| Noninterest income to average assets | 0.8987% | 1,145 |
| Noninterest expense to average assets | 2.4409% | 3,585 |
| Loan and lease loss provision to assets | 0.2764% | 555 |
| Net operating income to assets | 1.3358% | 1,696 |
| Return on assets (ROA) | 1.3389% | 1,759 |
| Pretax return on assets | 1.8013% | 1,086 |
| Return on Equity (ROE) | 10.0356% | 2,411 |
| Retained earnings to average equity (ytd only) | -0.1310% | 4,770 |
| Net charge-offs to loans | 0.3045% | 574 |
| Credit loss provision to net charge-offs | 124.6489% | 1,888 |
| Earnings coverage of net charge-offs (x) | 9.3533% | 2,579 |
| Efficiency ratio | 52.9504% | 4,511 |
| Assets per employee ($millions) | 8.4844% | 575 |
| Cash dividends to net income (ytd only)* | 101.3056% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,221 |
| Loan loss allowance to noncurrent loans | 109.9194% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 2,135 |
| Noncurrent loans to loans | 0.7737% | 2,033 |
| Net loans and leases to total assets | 70.9400% | 2,334 |
| Net loans and leases to deposits | 93.1920% | 1,299 |
| Net loans and leases to core deposits | 98.2659% | 1,806 |
| Total domestic deposits to total assets | 76.1224% | 4,638 |
| Equity capital to assets | 13.0275% | 1,605 |
| Core capital (leverage) ratio | 8.9348% | 4,679 |
| Tier 1 risk-based capital ratio | 10.5006% | 5,075 |
| Total risk-based capital ratio | 11.2744% | 5,134 |
| Memoranda: | ||
| Average total assets | $16,612,426,250 | 95 |
| Average earning assets | $14,723,993,500 | 97 |
| Average equity | $2,216,340,250 | 96 |
| Average total loans | $12,096,377,000 | 91 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 2,251 |
| Cost of funding earning assets | 0.6133% | 3,585 |
| Net interest margin | 4.1275% | 1,530 |
| Noninterest income to average assets | 0.8634% | 1,169 |
| Noninterest expense to average assets | 2.4943% | 3,500 |
| Loan and lease loss provision to assets | 0.2712% | 555 |
| Net operating income to assets | 1.3039% | 1,753 |
| Return on assets (ROA) | 1.3076% | 1,808 |
| Pretax return on assets | 1.7628% | 1,141 |
| Return on Equity (ROE) | 9.7167% | 2,526 |
| Retained earnings to average equity (ytd only) | -0.7565% | 4,798 |
| Net charge-offs to loans | 0.3108% | 551 |
| Credit loss provision to net charge-offs | 119.0502% | 1,747 |
| Earnings coverage of net charge-offs (x) | 8.9084% | 2,375 |
| Efficiency ratio | 54.0417% | 4,466 |
| Assets per employee ($millions) | 8.2485% | 611 |
| Cash dividends to net income (ytd only)* | 107.7851% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,295 |
| Loan loss allowance to noncurrent loans | 135.5396% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 2,403 |
| Noncurrent loans to loans | 0.6222% | 2,395 |
| Net loans and leases to total assets | 71.5594% | 2,272 |
| Net loans and leases to deposits | 92.9976% | 1,376 |
| Net loans and leases to core deposits | 97.6095% | 1,918 |
| Total domestic deposits to total assets | 76.9476% | 4,569 |
| Equity capital to assets | 13.3477% | 1,407 |
| Core capital (leverage) ratio | 9.4094% | 4,235 |
| Tier 1 risk-based capital ratio | 10.6123% | 5,067 |
| Total risk-based capital ratio | 11.3753% | 5,143 |
| Memoranda: | ||
| Average total assets | $16,176,897,670 | 98 |
| Average earning assets | $14,345,279,000 | 101 |
| Average equity | $2,176,988,330 | 97 |
| Average total loans | $11,854,911,330 | 94 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 2,224 |
| Cost of funding earning assets | 0.5842% | 3,656 |
| Net interest margin | 4.1165% | 1,509 |
| Noninterest income to average assets | 0.8546% | 1,161 |
| Noninterest expense to average assets | 2.4304% | 3,680 |
| Loan and lease loss provision to assets | 0.2681% | 521 |
| Net operating income to assets | 1.3426% | 1,547 |
| Return on assets (ROA) | 1.3462% | 1,576 |
| Pretax return on assets | 1.8126% | 959 |
| Return on Equity (ROE) | 9.9581% | 2,390 |
| Retained earnings to average equity (ytd only) | 0.6520% | 4,397 |
| Net charge-offs to loans | 0.3156% | 476 |
| Credit loss provision to net charge-offs | 114.9714% | 1,459 |
| Earnings coverage of net charge-offs (x) | 8.9025% | 2,062 |
| Efficiency ratio | 52.8579% | 4,626 |
| Assets per employee ($millions) | 7.2717% | 887 |
| Cash dividends to net income (ytd only)* | 93.4526% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,182 |
| Loan loss allowance to noncurrent loans | 113.9483% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 2,154 |
| Noncurrent loans to loans | 0.7851% | 2,073 |
| Net loans and leases to total assets | 72.9517% | 1,996 |
| Net loans and leases to deposits | 92.9685% | 1,285 |
| Net loans and leases to core deposits | 98.1131% | 1,765 |
| Total domestic deposits to total assets | 78.4693% | 4,440 |
| Equity capital to assets | 13.6163% | 1,169 |
| Core capital (leverage) ratio | 9.5028% | 4,127 |
| Tier 1 risk-based capital ratio | 10.7812% | 5,075 |
| Total risk-based capital ratio | 11.5817% | 5,147 |
| Memoranda: | ||
| Average total assets | $15,579,679,000 | 100 |
| Average earning assets | $13,821,821,000 | 102 |
| Average equity | $2,106,141,500 | 98 |
| Average total loans | $11,514,091,000 | 95 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 2,641 |
| Cost of funding earning assets | 0.4080% | 3,939 |
| Net interest margin | 4.0304% | 1,887 |
| Noninterest income to average assets | 0.9241% | 1,116 |
| Noninterest expense to average assets | 2.5527% | 3,458 |
| Loan and lease loss provision to assets | 0.3259% | 488 |
| Net operating income to assets | 1.2741% | 1,897 |
| Return on assets (ROA) | 1.2738% | 1,898 |
| Pretax return on assets | 1.6298% | 1,382 |
| Return on Equity (ROE) | 9.6849% | 2,645 |
| Retained earnings to average equity (ytd only) | 5.2312% | 2,645 |
| Net charge-offs to loans | 0.3792% | 498 |
| Credit loss provision to net charge-offs | 115.6900% | 2,242 |
| Earnings coverage of net charge-offs (x) | 6.9432% | 3,033 |
| Efficiency ratio | 55.6104% | 4,457 |
| Assets per employee ($millions) | 7.5826% | 769 |
| Cash dividends to net income (ytd only)* | 45.9856% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,201 |
| Loan loss allowance to noncurrent loans | 138.2197% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 2,360 |
| Noncurrent loans to loans | 0.6459% | 2,376 |
| Net loans and leases to total assets | 73.5421% | 2,004 |
| Net loans and leases to deposits | 92.6533% | 1,447 |
| Net loans and leases to core deposits | 98.1474% | 1,854 |
| Total domestic deposits to total assets | 79.3734% | 4,240 |
| Equity capital to assets | 13.4188% | 1,172 |
| Core capital (leverage) ratio | 9.4092% | 4,228 |
| Tier 1 risk-based capital ratio | 10.5829% | 5,151 |
| Total risk-based capital ratio | 11.3879% | 5,209 |
| Memoranda: | ||
| Average total assets | $14,681,816,200 | 104 |
| Average earning assets | $13,058,075,800 | 104 |
| Average equity | $1,930,997,600 | 101 |
| Average total loans | $10,909,215,600 | 98 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,720 |
| Cost of funding earning assets | 0.3686% | 4,061 |
| Net interest margin | 4.0040% | 1,944 |
| Noninterest income to average assets | 0.9270% | 1,118 |
| Noninterest expense to average assets | 2.5306% | 3,498 |
| Loan and lease loss provision to assets | 0.3499% | 388 |
| Net operating income to assets | 1.2792% | 1,933 |
| Return on assets (ROA) | 1.2780% | 1,938 |
| Pretax return on assets | 1.6066% | 1,559 |
| Return on Equity (ROE) | 9.7697% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.9881% | 3,243 |
| Net charge-offs to loans | 0.4189% | 382 |
| Credit loss provision to net charge-offs | 112.3970% | 2,081 |
| Earnings coverage of net charge-offs (x) | 6.2887% | 2,894 |
| Efficiency ratio | 55.4016% | 4,458 |
| Assets per employee ($millions) | 7.5736% | 745 |
| Cash dividends to net income (ytd only)* | 48.9434% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 4,248 |
| Loan loss allowance to noncurrent loans | 131.7420% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 2,411 |
| Noncurrent loans to loans | 0.6860% | 2,366 |
| Net loans and leases to total assets | 73.5478% | 2,061 |
| Net loans and leases to deposits | 93.6741% | 1,412 |
| Net loans and leases to core deposits | 97.0799% | 2,017 |
| Total domestic deposits to total assets | 78.5145% | 4,405 |
| Equity capital to assets | 12.9189% | 1,369 |
| Core capital (leverage) ratio | 9.0123% | 4,690 |
| Tier 1 risk-based capital ratio | 10.2418% | 5,315 |
| Total risk-based capital ratio | 11.0515% | 5,376 |
| Memoranda: | ||
| Average total assets | $14,494,599,750 | 105 |
| Average earning assets | $12,892,876,500 | 104 |
| Average equity | $1,896,092,000 | 101 |
| Average total loans | $10,773,954,250 | 99 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,832 |
| Cost of funding earning assets | 0.3329% | 4,182 |
| Net interest margin | 3.9486% | 2,036 |
| Noninterest income to average assets | 0.9118% | 1,149 |
| Noninterest expense to average assets | 2.6007% | 3,324 |
| Loan and lease loss provision to assets | 0.3732% | 338 |
| Net operating income to assets | 1.0834% | 2,650 |
| Return on assets (ROA) | 1.0827% | 2,663 |
| Pretax return on assets | 1.4478% | 1,992 |
| Return on Equity (ROE) | 8.2412% | 3,399 |
| Retained earnings to average equity (ytd only) | 2.6226% | 4,204 |
| Net charge-offs to loans | 0.4838% | 317 |
| Credit loss provision to net charge-offs | 103.7239% | 1,964 |
| Earnings coverage of net charge-offs (x) | 5.0638% | 2,745 |
| Efficiency ratio | 57.7981% | 4,268 |
| Assets per employee ($millions) | 7.2937% | 832 |
| Cash dividends to net income (ytd only)* | 68.1768% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,398 |
| Loan loss allowance to noncurrent loans | 136.3593% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 2,530 |
| Noncurrent loans to loans | 0.6507% | 2,484 |
| Net loans and leases to total assets | 73.2012% | 2,088 |
| Net loans and leases to deposits | 92.5856% | 1,514 |
| Net loans and leases to core deposits | 95.4560% | 2,108 |
| Total domestic deposits to total assets | 79.0633% | 4,419 |
| Equity capital to assets | 12.8031% | 1,390 |
| Core capital (leverage) ratio | 8.8553% | 4,834 |
| Tier 1 risk-based capital ratio | 9.9811% | 5,434 |
| Total risk-based capital ratio | 10.7746% | 5,474 |
| Memoranda: | ||
| Average total assets | $14,360,360,670 | 105 |
| Average earning assets | $12,768,268,670 | 104 |
| Average equity | $1,886,599,000 | 99 |
| Average total loans | $10,679,749,670 | 99 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 2,963 |
| Cost of funding earning assets | 0.3080% | 4,288 |
| Net interest margin | 3.8681% | 2,164 |
| Noninterest income to average assets | 0.9697% | 979 |
| Noninterest expense to average assets | 2.4493% | 3,818 |
| Loan and lease loss provision to assets | 0.4288% | 253 |
| Net operating income to assets | 1.1408% | 2,254 |
| Return on assets (ROA) | 1.1414% | 2,266 |
| Pretax return on assets | 1.5265% | 1,605 |
| Return on Equity (ROE) | 8.5741% | 3,120 |
| Retained earnings to average equity (ytd only) | 2.2093% | 4,286 |
| Net charge-offs to loans | 0.6076% | 246 |
| Credit loss provision to net charge-offs | 94.5503% | 1,638 |
| Earnings coverage of net charge-offs (x) | 4.3104% | 2,313 |
| Efficiency ratio | 54.5889% | 4,729 |
| Assets per employee ($millions) | 6.8413% | 1,031 |
| Cash dividends to net income (ytd only)* | 74.2335% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 4,494 |
| Loan loss allowance to noncurrent loans | 105.1282% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 2,071 |
| Noncurrent loans to loans | 0.8446% | 2,124 |
| Net loans and leases to total assets | 73.9794% | 1,857 |
| Net loans and leases to deposits | 93.6699% | 1,258 |
| Net loans and leases to core deposits | 96.4213% | 1,947 |
| Total domestic deposits to total assets | 78.9789% | 4,584 |
| Equity capital to assets | 13.1474% | 1,173 |
| Core capital (leverage) ratio | 9.0255% | 4,655 |
| Tier 1 risk-based capital ratio | 10.0264% | 5,498 |
| Total risk-based capital ratio | 10.8187% | 5,533 |
| Memoranda: | ||
| Average total assets | $14,162,995,000 | 106 |
| Average earning assets | $12,574,233,000 | 105 |
| Average equity | $1,885,345,500 | 98 |
| Average total loans | $10,570,827,000 | 99 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,487 |
| Cost of funding earning assets | 0.2124% | 4,848 |
| Net interest margin | 4.0396% | 1,627 |
| Noninterest income to average assets | 1.2028% | 722 |
| Noninterest expense to average assets | 2.8464% | 2,620 |
| Loan and lease loss provision to assets | 0.2346% | 820 |
| Net operating income to assets | 0.9231% | 2,581 |
| Return on assets (ROA) | 0.9214% | 2,619 |
| Pretax return on assets | 1.6946% | 1,020 |
| Return on Equity (ROE) | 7.0269% | 3,262 |
| Retained earnings to average equity (ytd only) | 2.7955% | 3,634 |
| Net charge-offs to loans | 0.2189% | 1,187 |
| Credit loss provision to net charge-offs | 144.5666% | 1,837 |
| Earnings coverage of net charge-offs (x) | 11.9047% | 2,525 |
| Efficiency ratio | 58.4295% | 4,477 |
| Assets per employee ($millions) | 6.6575% | 1,121 |
| Cash dividends to net income (ytd only)* | 60.2169% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 4,389 |
| Loan loss allowance to noncurrent loans | 122.2015% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 2,275 |
| Noncurrent loans to loans | 0.7490% | 2,332 |
| Net loans and leases to total assets | 73.9485% | 1,931 |
| Net loans and leases to deposits | 92.7204% | 1,420 |
| Net loans and leases to core deposits | 95.1231% | 2,104 |
| Total domestic deposits to total assets | 79.7543% | 4,384 |
| Equity capital to assets | 13.4796% | 1,074 |
| Core capital (leverage) ratio | 9.1020% | 4,523 |
| Tier 1 risk-based capital ratio | 10.1332% | 5,499 |
| Total risk-based capital ratio | 10.9473% | 5,553 |
| Memoranda: | ||
| Average total assets | $13,337,684,800 | 106 |
| Average earning assets | $11,805,324,800 | 106 |
| Average equity | $1,748,841,400 | 102 |
| Average total loans | $9,888,786,800 | 101 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 2,381 |
| Cost of funding earning assets | 0.2050% | 4,936 |
| Net interest margin | 4.0608% | 1,508 |
| Noninterest income to average assets | 1.2211% | 701 |
| Noninterest expense to average assets | 2.8857% | 2,459 |
| Loan and lease loss provision to assets | 0.2356% | 760 |
| Net operating income to assets | 1.1078% | 2,053 |
| Return on assets (ROA) | 1.1307% | 2,014 |
| Pretax return on assets | 1.7286% | 1,051 |
| Return on Equity (ROE) | 8.6882% | 2,768 |
| Retained earnings to average equity (ytd only) | 2.9311% | 4,162 |
| Net charge-offs to loans | 0.1988% | 1,069 |
| Credit loss provision to net charge-offs | 160.0688% | 1,600 |
| Earnings coverage of net charge-offs (x) | 13.1069% | 2,376 |
| Efficiency ratio | 58.7463% | 4,397 |
| Assets per employee ($millions) | 6.6007% | 1,125 |
| Cash dividends to net income (ytd only)* | 66.2631% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 4,518 |
| Loan loss allowance to noncurrent loans | 108.8540% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,307 |
| Noncurrent loans to loans | 0.8369% | 2,267 |
| Net loans and leases to total assets | 73.3522% | 2,033 |
| Net loans and leases to deposits | 91.3837% | 1,639 |
| Net loans and leases to core deposits | 93.6413% | 2,297 |
| Total domestic deposits to total assets | 80.2683% | 4,264 |
| Equity capital to assets | 13.3845% | 1,212 |
| Core capital (leverage) ratio | 9.0497% | 4,685 |
| Tier 1 risk-based capital ratio | 9.9531% | 5,609 |
| Total risk-based capital ratio | 10.7493% | 5,646 |
| Memoranda: | ||
| Average total assets | $13,168,592,750 | 106 |
| Average earning assets | $11,653,023,750 | 106 |
| Average equity | $1,713,791,250 | 104 |
| Average total loans | $9,746,256,000 | 102 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,263 |
| Cost of funding earning assets | 0.1921% | 5,052 |
| Net interest margin | 4.0637% | 1,421 |
| Noninterest income to average assets | 1.2599% | 655 |
| Noninterest expense to average assets | 3.0312% | 2,043 |
| Loan and lease loss provision to assets | 0.2044% | 888 |
| Net operating income to assets | 1.0486% | 2,212 |
| Return on assets (ROA) | 1.0514% | 2,241 |
| Pretax return on assets | 1.6412% | 1,222 |
| Return on Equity (ROE) | 8.1638% | 2,936 |
| Retained earnings to average equity (ytd only) | 3.9413% | 3,351 |
| Net charge-offs to loans | 0.1442% | 1,287 |
| Credit loss provision to net charge-offs | 191.5417% | 1,313 |
| Earnings coverage of net charge-offs (x) | 17.2514% | 1,934 |
| Efficiency ratio | 60.9575% | 4,173 |
| Assets per employee ($millions) | 6.5200% | 1,142 |
| Cash dividends to net income (ytd only)* | 51.7224% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,635 |
| Loan loss allowance to noncurrent loans | 87.4891% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 1,891 |
| Noncurrent loans to loans | 1.0301% | 1,905 |
| Net loans and leases to total assets | 73.7233% | 1,921 |
| Net loans and leases to deposits | 91.6601% | 1,543 |
| Net loans and leases to core deposits | 93.6805% | 2,186 |
| Total domestic deposits to total assets | 80.4312% | 4,317 |
| Equity capital to assets | 13.6303% | 1,096 |
| Core capital (leverage) ratio | 9.1185% | 4,591 |
| Tier 1 risk-based capital ratio | 10.0442% | 5,615 |
| Total risk-based capital ratio | 10.8315% | 5,684 |
| Memoranda: | ||
| Average total assets | $12,871,607,330 | 107 |
| Average earning assets | $11,442,669,330 | 107 |
| Average equity | $1,657,788,330 | 104 |
| Average total loans | $9,525,741,330 | 102 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,133 |
| Cost of funding earning assets | 0.1859% | 5,104 |
| Net interest margin | 4.0548% | 1,335 |
| Noninterest income to average assets | 1.2024% | 713 |
| Noninterest expense to average assets | 3.3450% | 1,299 |
| Loan and lease loss provision to assets | 0.1584% | 1,141 |
| Net operating income to assets | 0.8510% | 2,989 |
| Return on assets (ROA) | 0.8510% | 3,031 |
| Pretax return on assets | 1.3187% | 2,173 |
| Return on Equity (ROE) | 6.8279% | 3,480 |
| Retained earnings to average equity (ytd only) | 1.6592% | 4,443 |
| Net charge-offs to loans | 0.1239% | 1,178 |
| Credit loss provision to net charge-offs | 173.2911% | 1,114 |
| Earnings coverage of net charge-offs (x) | 16.1596% | 1,651 |
| Efficiency ratio | 68.0551% | 3,185 |
| Assets per employee ($millions) | 6.4994% | 1,187 |
| Cash dividends to net income (ytd only)* | 75.7002% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,842 |
| Loan loss allowance to noncurrent loans | 106.4192% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 2,329 |
| Noncurrent loans to loans | 0.8232% | 2,398 |
| Net loans and leases to total assets | 73.4354% | 1,831 |
| Net loans and leases to deposits | 90.4950% | 1,479 |
| Net loans and leases to core deposits | 92.5672% | 2,116 |
| Total domestic deposits to total assets | 81.1485% | 4,384 |
| Equity capital to assets | 13.6035% | 1,035 |
| Core capital (leverage) ratio | 9.7157% | 3,853 |
| Tier 1 risk-based capital ratio | 9.8774% | 5,725 |
| Total risk-based capital ratio | 10.6344% | 5,774 |
| Memoranda: | ||
| Average total assets | $12,419,015,500 | 107 |
| Average earning assets | $11,086,270,000 | 106 |
| Average equity | $1,547,772,000 | 107 |
| Average total loans | $9,164,071,500 | 101 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 3,686 |
| Cost of funding earning assets | 0.1670% | 5,304 |
| Net interest margin | 3.7008% | 2,690 |
| Noninterest income to average assets | 1.4388% | 558 |
| Noninterest expense to average assets | 2.9099% | 2,639 |
| Loan and lease loss provision to assets | 0.2880% | 666 |
| Net operating income to assets | 1.0421% | 2,175 |
| Return on assets (ROA) | 1.0508% | 2,239 |
| Pretax return on assets | 1.5996% | 1,279 |
| Return on Equity (ROE) | 9.2243% | 2,305 |
| Retained earnings to average equity (ytd only) | 4.8024% | 2,470 |
| Net charge-offs to loans | 0.2347% | 1,186 |
| Credit loss provision to net charge-offs | 167.2585% | 1,654 |
| Earnings coverage of net charge-offs (x) | 10.8842% | 2,592 |
| Efficiency ratio | 59.9124% | 4,599 |
| Assets per employee ($millions) | 6.0998% | 1,407 |
| Cash dividends to net income (ytd only)* | 47.9379% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,063 |
| Loan loss allowance to noncurrent loans | 133.8168% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 2,460 |
| Noncurrent loans to loans | 0.7784% | 2,575 |
| Net loans and leases to total assets | 72.6712% | 2,070 |
| Net loans and leases to deposits | 91.1694% | 1,552 |
| Net loans and leases to core deposits | 92.7241% | 2,232 |
| Total domestic deposits to total assets | 79.7100% | 4,631 |
| Equity capital to assets | 11.0862% | 2,557 |
| Core capital (leverage) ratio | 8.7630% | 5,012 |
| Tier 1 risk-based capital ratio | 9.8349% | 5,777 |
| Total risk-based capital ratio | 10.7304% | 5,810 |
| Memoranda: | ||
| Average total assets | $10,759,858,000 | 109 |
| Average earning assets | $9,727,134,600 | 108 |
| Average equity | $1,225,704,600 | 123 |
| Average total loans | $7,894,155,400 | 109 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 3,612 |
| Cost of funding earning assets | 0.1669% | 5,374 |
| Net interest margin | 3.7254% | 2,617 |
| Noninterest income to average assets | 1.4866% | 543 |
| Noninterest expense to average assets | 2.8815% | 2,696 |
| Loan and lease loss provision to assets | 0.3220% | 519 |
| Net operating income to assets | 1.0732% | 2,098 |
| Return on assets (ROA) | 1.0821% | 2,177 |
| Pretax return on assets | 1.6626% | 1,217 |
| Return on Equity (ROE) | 9.4327% | 2,295 |
| Retained earnings to average equity (ytd only) | 4.6031% | 3,079 |
| Net charge-offs to loans | 0.2392% | 977 |
| Credit loss provision to net charge-offs | 183.4917% | 1,532 |
| Earnings coverage of net charge-offs (x) | 11.2312% | 2,511 |
| Efficiency ratio | 58.4854% | 4,753 |
| Assets per employee ($millions) | 6.2304% | 1,277 |
| Cash dividends to net income (ytd only)* | 51.2007% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,179 |
| Loan loss allowance to noncurrent loans | 171.3391% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 2,996 |
| Noncurrent loans to loans | 0.6071% | 3,195 |
| Net loans and leases to total assets | 70.9126% | 2,358 |
| Net loans and leases to deposits | 86.8386% | 2,164 |
| Net loans and leases to core deposits | 88.3792% | 2,725 |
| Total domestic deposits to total assets | 81.6603% | 4,053 |
| Equity capital to assets | 11.0023% | 3,009 |
| Core capital (leverage) ratio | 8.6535% | 5,212 |
| Tier 1 risk-based capital ratio | 9.7744% | 5,840 |
| Total risk-based capital ratio | 10.6730% | 5,878 |
| Memoranda: | ||
| Average total assets | $10,636,277,000 | 108 |
| Average earning assets | $9,609,546,750 | 108 |
| Average equity | $1,220,214,750 | 123 |
| Average total loans | $7,801,537,000 | 108 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 3,532 |
| Cost of funding earning assets | 0.1652% | 5,457 |
| Net interest margin | 3.7579% | 2,486 |
| Noninterest income to average assets | 1.4024% | 591 |
| Noninterest expense to average assets | 2.9434% | 2,540 |
| Loan and lease loss provision to assets | 0.3025% | 589 |
| Net operating income to assets | 1.0108% | 2,343 |
| Return on assets (ROA) | 1.0224% | 2,424 |
| Pretax return on assets | 1.5580% | 1,497 |
| Return on Equity (ROE) | 8.7798% | 2,593 |
| Retained earnings to average equity (ytd only) | 3.7765% | 3,490 |
| Net charge-offs to loans | 0.2401% | 985 |
| Credit loss provision to net charge-offs | 170.3390% | 1,453 |
| Earnings coverage of net charge-offs (x) | 10.3784% | 2,340 |
| Efficiency ratio | 60.5973% | 4,563 |
| Assets per employee ($millions) | 5.8948% | 1,484 |
| Cash dividends to net income (ytd only)* | 56.9865% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 4,512 |
| Loan loss allowance to noncurrent loans | 187.8113% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 3,145 |
| Noncurrent loans to loans | 0.5332% | 3,477 |
| Net loans and leases to total assets | 72.8381% | 2,035 |
| Net loans and leases to deposits | 87.4901% | 2,065 |
| Net loans and leases to core deposits | 89.1997% | 2,618 |
| Total domestic deposits to total assets | 83.2530% | 3,556 |
| Equity capital to assets | 11.4572% | 2,591 |
| Core capital (leverage) ratio | 8.7415% | 5,118 |
| Tier 1 risk-based capital ratio | 9.7848% | 5,900 |
| Total risk-based capital ratio | 10.6532% | 5,950 |
| Memoranda: | ||
| Average total assets | $10,366,622,000 | 110 |
| Average earning assets | $9,334,752,330 | 109 |
| Average equity | $1,207,208,000 | 122 |
| Average total loans | $7,668,240,330 | 108 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,863 |
| Cost of funding earning assets | 0.1635% | 5,524 |
| Net interest margin | 3.6597% | 2,851 |
| Noninterest income to average assets | 1.3807% | 585 |
| Noninterest expense to average assets | 3.0282% | 2,302 |
| Loan and lease loss provision to assets | 0.3003% | 523 |
| Net operating income to assets | 0.8900% | 2,804 |
| Return on assets (ROA) | 0.9131% | 2,801 |
| Pretax return on assets | 1.3824% | 1,953 |
| Return on Equity (ROE) | 7.7737% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.0130% | 2,932 |
| Net charge-offs to loans | 0.2172% | 936 |
| Credit loss provision to net charge-offs | 186.3770% | 1,128 |
| Earnings coverage of net charge-offs (x) | 10.2268% | 1,937 |
| Efficiency ratio | 63.9295% | 4,138 |
| Assets per employee ($millions) | 5.6419% | 1,715 |
| Cash dividends to net income (ytd only)* | 35.5132% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 4,692 |
| Loan loss allowance to noncurrent loans | 205.0097% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 3,324 |
| Noncurrent loans to loans | 0.4805% | 3,741 |
| Net loans and leases to total assets | 73.1029% | 1,869 |
| Net loans and leases to deposits | 87.2928% | 1,904 |
| Net loans and leases to core deposits | 88.9469% | 2,462 |
| Total domestic deposits to total assets | 83.7444% | 3,621 |
| Equity capital to assets | 11.6073% | 2,341 |
| Core capital (leverage) ratio | 9.4824% | 4,226 |
| Tier 1 risk-based capital ratio | 9.9035% | 5,928 |
| Total risk-based capital ratio | 10.7554% | 5,986 |
| Memoranda: | ||
| Average total assets | $10,114,925,000 | 110 |
| Average earning assets | $9,107,207,500 | 110 |
| Average equity | $1,188,111,500 | 124 |
| Average total loans | $7,503,556,000 | 110 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 3,761 |
| Cost of funding earning assets | 0.1388% | 5,762 |
| Net interest margin | 3.7456% | 2,574 |
| Noninterest income to average assets | 1.3044% | 712 |
| Noninterest expense to average assets | 2.8945% | 2,876 |
| Loan and lease loss provision to assets | 0.2218% | 923 |
| Net operating income to assets | 1.0376% | 2,182 |
| Return on assets (ROA) | 1.0542% | 2,194 |
| Pretax return on assets | 1.5760% | 1,323 |
| Return on Equity (ROE) | 8.8109% | 2,558 |
| Retained earnings to average equity (ytd only) | -2.2760% | 5,770 |
| Net charge-offs to loans | 0.2933% | 1,036 |
| Credit loss provision to net charge-offs | 104.7812% | 2,396 |
| Earnings coverage of net charge-offs (x) | 8.3755% | 2,959 |
| Efficiency ratio | 61.1364% | 4,744 |
| Assets per employee ($millions) | 5.4614% | 1,852 |
| Cash dividends to net income (ytd only)* | 125.8323% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 4,462 |
| Loan loss allowance to noncurrent loans | 216.2623% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 3,334 |
| Noncurrent loans to loans | 0.4744% | 3,766 |
| Net loans and leases to total assets | 73.8069% | 1,762 |
| Net loans and leases to deposits | 86.4035% | 2,074 |
| Net loans and leases to core deposits | 87.8735% | 2,613 |
| Total domestic deposits to total assets | 85.4213% | 2,894 |
| Equity capital to assets | 11.8991% | 2,029 |
| Core capital (leverage) ratio | 9.0898% | 4,765 |
| Tier 1 risk-based capital ratio | 10.1346% | 5,918 |
| Total risk-based capital ratio | 11.0225% | 5,972 |
| Memoranda: | ||
| Average total assets | $9,573,819,800 | 116 |
| Average earning assets | $8,596,215,800 | 116 |
| Average equity | $1,145,494,800 | 121 |
| Average total loans | $6,909,264,600 | 113 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,793 |
| Cost of funding earning assets | 0.1303% | 5,914 |
| Net interest margin | 3.7550% | 2,542 |
| Noninterest income to average assets | 1.3658% | 660 |
| Noninterest expense to average assets | 2.8526% | 2,998 |
| Loan and lease loss provision to assets | 0.2334% | 775 |
| Net operating income to assets | 1.0987% | 2,012 |
| Return on assets (ROA) | 1.1131% | 2,026 |
| Pretax return on assets | 1.6701% | 1,188 |
| Return on Equity (ROE) | 9.2905% | 2,424 |
| Retained earnings to average equity (ytd only) | -3.7445% | 5,977 |
| Net charge-offs to loans | 0.3292% | 802 |
| Credit loss provision to net charge-offs | 99.0472% | 2,317 |
| Earnings coverage of net charge-offs (x) | 7.9869% | 2,855 |
| Efficiency ratio | 59.3829% | 4,959 |
| Assets per employee ($millions) | 5.6304% | 1,661 |
| Cash dividends to net income (ytd only)* | 140.3052% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,504 |
| Loan loss allowance to noncurrent loans | 183.7795% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 3,252 |
| Noncurrent loans to loans | 0.5679% | 3,634 |
| Net loans and leases to total assets | 69.9492% | 2,392 |
| Net loans and leases to deposits | 81.5792% | 2,696 |
| Net loans and leases to core deposits | 82.8809% | 3,160 |
| Total domestic deposits to total assets | 85.7439% | 2,673 |
| Equity capital to assets | 11.6001% | 2,418 |
| Core capital (leverage) ratio | 8.9033% | 5,115 |
| Tier 1 risk-based capital ratio | 10.3173% | 5,945 |
| Total risk-based capital ratio | 11.2222% | 6,009 |
| Memoranda: | ||
| Average total assets | $9,561,525,000 | 118 |
| Average earning assets | $8,577,688,000 | 118 |
| Average equity | $1,145,605,000 | 124 |
| Average total loans | $6,842,565,250 | 114 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 3,638 |
| Cost of funding earning assets | 0.1201% | 6,043 |
| Net interest margin | 3.7931% | 2,347 |
| Noninterest income to average assets | 1.3420% | 682 |
| Noninterest expense to average assets | 2.8601% | 3,029 |
| Loan and lease loss provision to assets | 0.2668% | 622 |
| Net operating income to assets | 1.0789% | 2,015 |
| Return on assets (ROA) | 1.0935% | 2,073 |
| Pretax return on assets | 1.6360% | 1,235 |
| Return on Equity (ROE) | 9.0269% | 2,525 |
| Retained earnings to average equity (ytd only) | -5.7870% | 6,052 |
| Net charge-offs to loans | 0.4064% | 640 |
| Credit loss provision to net charge-offs | 91.3402% | 2,181 |
| Earnings coverage of net charge-offs (x) | 6.4412% | 2,782 |
| Efficiency ratio | 59.4439% | 5,054 |
| Assets per employee ($millions) | 5.5268% | 1,710 |
| Cash dividends to net income (ytd only)* | 164.1085% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 4,653 |
| Loan loss allowance to noncurrent loans | 135.8422% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 3,087 |
| Noncurrent loans to loans | 0.7661% | 3,197 |
| Net loans and leases to total assets | 69.7740% | 2,352 |
| Net loans and leases to deposits | 81.6623% | 2,603 |
| Net loans and leases to core deposits | 82.9254% | 3,090 |
| Total domestic deposits to total assets | 85.4421% | 2,949 |
| Equity capital to assets | 11.6372% | 2,302 |
| Core capital (leverage) ratio | 9.1216% | 4,789 |
| Tier 1 risk-based capital ratio | 10.4767% | 5,932 |
| Total risk-based capital ratio | 11.3916% | 5,988 |
| Memoranda: | ||
| Average total assets | $9,473,679,670 | 121 |
| Average earning assets | $8,489,950,330 | 122 |
| Average equity | $1,147,568,330 | 127 |
| Average total loans | $6,808,407,000 | 116 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 3,517 |
| Cost of funding earning assets | 0.1223% | 6,100 |
| Net interest margin | 3.8000% | 2,233 |
| Noninterest income to average assets | 1.3118% | 664 |
| Noninterest expense to average assets | 2.8992% | 2,909 |
| Loan and lease loss provision to assets | 0.2806% | 538 |
| Net operating income to assets | 1.0356% | 2,094 |
| Return on assets (ROA) | 1.0506% | 2,177 |
| Pretax return on assets | 1.5560% | 1,373 |
| Return on Equity (ROE) | 8.4987% | 2,698 |
| Retained earnings to average equity (ytd only) | -12.2856% | 6,182 |
| Net charge-offs to loans | 0.4880% | 512 |
| Credit loss provision to net charge-offs | 79.2165% | 1,834 |
| Earnings coverage of net charge-offs (x) | 5.1236% | 2,414 |
| Efficiency ratio | 60.5979% | 5,018 |
| Assets per employee ($millions) | 5.2719% | 2,028 |
| Cash dividends to net income (ytd only)* | 244.5586% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 4,817 |
| Loan loss allowance to noncurrent loans | 113.5512% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 2,714 |
| Noncurrent loans to loans | 0.9169% | 2,948 |
| Net loans and leases to total assets | 71.9656% | 1,805 |
| Net loans and leases to deposits | 84.2494% | 2,036 |
| Net loans and leases to core deposits | 85.5999% | 2,593 |
| Total domestic deposits to total assets | 85.4197% | 3,212 |
| Equity capital to assets | 12.1521% | 1,924 |
| Core capital (leverage) ratio | 9.2872% | 4,596 |
| Tier 1 risk-based capital ratio | 10.5443% | 6,000 |
| Total risk-based capital ratio | 11.4613% | 6,054 |
| Memoranda: | ||
| Average total assets | $9,341,387,500 | 123 |
| Average earning assets | $8,363,120,000 | 122 |
| Average equity | $1,154,721,500 | 121 |
| Average total loans | $6,779,495,000 | 116 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 4,077 |
| Cost of funding earning assets | 0.1442% | 6,131 |
| Net interest margin | 3.7701% | 2,732 |
| Noninterest income to average assets | 1.3576% | 661 |
| Noninterest expense to average assets | 3.0617% | 2,651 |
| Loan and lease loss provision to assets | 0.2251% | 1,089 |
| Net operating income to assets | 0.9637% | 2,565 |
| Return on assets (ROA) | 0.9824% | 2,545 |
| Pretax return on assets | 1.4565% | 1,704 |
| Return on Equity (ROE) | 7.6040% | 3,324 |
| Retained earnings to average equity (ytd only) | 3.1002% | 4,035 |
| Net charge-offs to loans | 0.5191% | 788 |
| Credit loss provision to net charge-offs | 60.2841% | 3,280 |
| Earnings coverage of net charge-offs (x) | 4.4279% | 3,656 |
| Efficiency ratio | 64.2153% | 4,561 |
| Assets per employee ($millions) | 5.2864% | 1,978 |
| Cash dividends to net income (ytd only)* | 59.2293% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 4,656 |
| Loan loss allowance to noncurrent loans | 99.3273% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 2,571 |
| Noncurrent loans to loans | 1.0842% | 2,653 |
| Net loans and leases to total assets | 71.6461% | 1,961 |
| Net loans and leases to deposits | 84.1167% | 2,200 |
| Net loans and leases to core deposits | 85.3059% | 2,752 |
| Total domestic deposits to total assets | 85.1746% | 3,218 |
| Equity capital to assets | 12.5718% | 1,603 |
| Core capital (leverage) ratio | 9.7643% | 3,878 |
| Tier 1 risk-based capital ratio | 11.3137% | 5,763 |
| Total risk-based capital ratio | 12.2964% | 5,832 |
| Memoranda: | ||
| Average total assets | $8,558,569,600 | 124 |
| Average earning assets | $7,622,410,000 | 121 |
| Average equity | $1,105,726,600 | 124 |
| Average total loans | $6,157,233,400 | 115 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 4,182 |
| Cost of funding earning assets | 0.1523% | 6,173 |
| Net interest margin | 3.7457% | 2,838 |
| Noninterest income to average assets | 1.3592% | 668 |
| Noninterest expense to average assets | 2.9257% | 3,037 |
| Loan and lease loss provision to assets | 0.2789% | 739 |
| Net operating income to assets | 0.9981% | 2,458 |
| Return on assets (ROA) | 1.0243% | 2,406 |
| Pretax return on assets | 1.5242% | 1,569 |
| Return on Equity (ROE) | 7.8693% | 3,280 |
| Retained earnings to average equity (ytd only) | 1.7744% | 5,168 |
| Net charge-offs to loans | 0.6624% | 536 |
| Credit loss provision to net charge-offs | 58.6409% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.7085% | 3,612 |
| Efficiency ratio | 61.6911% | 4,933 |
| Assets per employee ($millions) | 5.2551% | 1,950 |
| Cash dividends to net income (ytd only)* | 77.4519% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 4,679 |
| Loan loss allowance to noncurrent loans | 69.3265% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 2,037 |
| Noncurrent loans to loans | 1.6092% | 2,024 |
| Net loans and leases to total assets | 72.0869% | 1,833 |
| Net loans and leases to deposits | 84.1614% | 2,128 |
| Net loans and leases to core deposits | 85.4444% | 2,725 |
| Total domestic deposits to total assets | 85.6532% | 3,037 |
| Equity capital to assets | 12.2022% | 1,911 |
| Core capital (leverage) ratio | 9.4241% | 4,481 |
| Tier 1 risk-based capital ratio | 10.6870% | 6,138 |
| Total risk-based capital ratio | 11.7034% | 6,170 |
| Memoranda: | ||
| Average total assets | $8,369,568,250 | 124 |
| Average earning assets | $7,441,706,000 | 122 |
| Average equity | $1,089,406,000 | 125 |
| Average total loans | $6,009,997,250 | 118 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 4,164 |
| Cost of funding earning assets | 0.1565% | 6,227 |
| Net interest margin | 3.7352% | 2,820 |
| Noninterest income to average assets | 1.2520% | 747 |
| Noninterest expense to average assets | 2.8641% | 3,293 |
| Loan and lease loss provision to assets | 0.1661% | 1,477 |
| Net operating income to assets | 1.0320% | 2,195 |
| Return on assets (ROA) | 1.0392% | 2,234 |
| Pretax return on assets | 1.5467% | 1,403 |
| Return on Equity (ROE) | 7.8053% | 3,202 |
| Retained earnings to average equity (ytd only) | 2.5527% | 4,579 |
| Net charge-offs to loans | 0.4788% | 838 |
| Credit loss provision to net charge-offs | 48.5712% | 2,812 |
| Earnings coverage of net charge-offs (x) | 4.9777% | 3,007 |
| Efficiency ratio | 61.9731% | 5,007 |
| Assets per employee ($millions) | 5.1341% | 2,044 |
| Cash dividends to net income (ytd only)* | 67.2950% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 3,807 |
| Loan loss allowance to noncurrent loans | 71.5735% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 1,890 |
| Noncurrent loans to loans | 1.8296% | 1,877 |
| Net loans and leases to total assets | 71.9835% | 1,749 |
| Net loans and leases to deposits | 84.8494% | 1,949 |
| Net loans and leases to core deposits | 86.1940% | 2,497 |
| Total domestic deposits to total assets | 84.8369% | 3,589 |
| Equity capital to assets | 13.4149% | 1,192 |
| Core capital (leverage) ratio | 10.3698% | 3,115 |
| Tier 1 risk-based capital ratio | 12.1981% | 5,420 |
| Total risk-based capital ratio | 13.3684% | 5,394 |
| Memoranda: | ||
| Average total assets | $8,167,549,000 | 126 |
| Average earning assets | $7,246,725,670 | 123 |
| Average equity | $1,087,467,330 | 121 |
| Average total loans | $5,832,246,330 | 120 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 4,308 |
| Cost of funding earning assets | 0.1649% | 6,265 |
| Net interest margin | 3.6797% | 2,951 |
| Noninterest income to average assets | 1.2415% | 714 |
| Noninterest expense to average assets | 2.8742% | 3,301 |
| Loan and lease loss provision to assets | 0.0706% | 2,722 |
| Net operating income to assets | 1.0454% | 2,025 |
| Return on assets (ROA) | 1.0445% | 2,100 |
| Pretax return on assets | 1.5577% | 1,265 |
| Return on Equity (ROE) | 7.8748% | 2,990 |
| Retained earnings to average equity (ytd only) | 5.1546% | 3,019 |
| Net charge-offs to loans | 0.4382% | 829 |
| Credit loss provision to net charge-offs | 22.8187% | 2,476 |
| Earnings coverage of net charge-offs (x) | 5.2644% | 2,396 |
| Efficiency ratio | 62.9863% | 5,002 |
| Assets per employee ($millions) | 5.1450% | 2,078 |
| Cash dividends to net income (ytd only)* | 34.5426% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 3,680 |
| Loan loss allowance to noncurrent loans | 79.4391% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 2,216 |
| Noncurrent loans to loans | 1.7426% | 2,222 |
| Net loans and leases to total assets | 69.9442% | 1,895 |
| Net loans and leases to deposits | 83.8330% | 1,838 |
| Net loans and leases to core deposits | 85.2265% | 2,398 |
| Total domestic deposits to total assets | 83.4328% | 4,471 |
| Equity capital to assets | 13.3243% | 1,165 |
| Core capital (leverage) ratio | 10.5426% | 2,880 |
| Tier 1 risk-based capital ratio | 12.4851% | 5,323 |
| Total risk-based capital ratio | 13.7184% | 5,273 |
| Memoranda: | ||
| Average total assets | $8,159,480,000 | 127 |
| Average earning assets | $7,234,350,500 | 125 |
| Average equity | $1,082,286,000 | 122 |
| Average total loans | $5,763,833,500 | 121 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 4,110 |
| Cost of funding earning assets | 0.1889% | 6,345 |
| Net interest margin | 3.8033% | 2,648 |
| Noninterest income to average assets | 1.2531% | 886 |
| Noninterest expense to average assets | 2.8571% | 3,505 |
| Loan and lease loss provision to assets | 0.1998% | 1,862 |
| Net operating income to assets | 0.9587% | 2,518 |
| Return on assets (ROA) | 0.9590% | 2,584 |
| Pretax return on assets | 1.5516% | 1,295 |
| Return on Equity (ROE) | 7.3643% | 3,376 |
| Retained earnings to average equity (ytd only) | 2.5441% | 4,440 |
| Net charge-offs to loans | 0.5397% | 1,225 |
| Credit loss provision to net charge-offs | 54.6836% | 3,711 |
| Earnings coverage of net charge-offs (x) | 4.7916% | 3,452 |
| Efficiency ratio | 61.1270% | 5,343 |
| Assets per employee ($millions) | 5.0080% | 2,173 |
| Cash dividends to net income (ytd only)* | 65.4534% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 3,229 |
| Loan loss allowance to noncurrent loans | 83.1871% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 2,220 |
| Noncurrent loans to loans | 1.7953% | 2,239 |
| Net loans and leases to total assets | 69.3002% | 2,125 |
| Net loans and leases to deposits | 82.9813% | 2,058 |
| Net loans and leases to core deposits | 84.2697% | 2,645 |
| Total domestic deposits to total assets | 83.5130% | 4,356 |
| Equity capital to assets | 13.2034% | 1,183 |
| Core capital (leverage) ratio | 10.2435% | 3,222 |
| Tier 1 risk-based capital ratio | 12.6135% | 5,222 |
| Total risk-based capital ratio | 13.8647% | 5,169 |
| Memoranda: | ||
| Average total assets | $8,124,727,800 | 127 |
| Average earning assets | $7,166,783,800 | 130 |
| Average equity | $1,058,045,000 | 123 |
| Average total loans | $5,500,815,000 | 123 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 4,136 |
| Cost of funding earning assets | 0.1940% | 6,426 |
| Net interest margin | 3.8056% | 2,620 |
| Noninterest income to average assets | 1.2368% | 962 |
| Noninterest expense to average assets | 2.8663% | 3,421 |
| Loan and lease loss provision to assets | 0.2641% | 1,340 |
| Net operating income to assets | 0.8746% | 2,972 |
| Return on assets (ROA) | 0.8743% | 3,081 |
| Pretax return on assets | 1.4539% | 1,750 |
| Return on Equity (ROE) | 6.7371% | 3,802 |
| Retained earnings to average equity (ytd only) | 1.9953% | 5,133 |
| Net charge-offs to loans | 0.5970% | 1,045 |
| Credit loss provision to net charge-offs | 65.9957% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.2935% | 3,477 |
| Efficiency ratio | 61.6387% | 5,185 |
| Assets per employee ($millions) | 5.1754% | 1,958 |
| Cash dividends to net income (ytd only)* | 70.3829% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 2,932 |
| Loan loss allowance to noncurrent loans | 72.9162% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.9222% | 2,108 |
| Noncurrent loans to loans | 2.2170% | 2,002 |
| Net loans and leases to total assets | 65.7381% | 2,681 |
| Net loans and leases to deposits | 78.2190% | 2,624 |
| Net loans and leases to core deposits | 79.4472% | 3,184 |
| Total domestic deposits to total assets | 84.0436% | 4,169 |
| Equity capital to assets | 12.6892% | 1,483 |
| Core capital (leverage) ratio | 10.0250% | 3,648 |
| Tier 1 risk-based capital ratio | 12.6479% | 5,362 |
| Total risk-based capital ratio | 13.9005% | 5,307 |
| Memoranda: | ||
| Average total assets | $8,125,169,000 | 127 |
| Average earning assets | $7,148,077,250 | 128 |
| Average equity | $1,054,429,000 | 122 |
| Average total loans | $5,447,375,750 | 123 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,989 |
| Cost of funding earning assets | 0.2030% | 6,457 |
| Net interest margin | 3.8313% | 2,443 |
| Noninterest income to average assets | 1.3263% | 882 |
| Noninterest expense to average assets | 2.9070% | 3,304 |
| Loan and lease loss provision to assets | 0.2753% | 1,338 |
| Net operating income to assets | 0.9933% | 2,354 |
| Return on assets (ROA) | 0.9969% | 2,479 |
| Pretax return on assets | 1.5125% | 1,582 |
| Return on Equity (ROE) | 7.6228% | 3,277 |
| Retained earnings to average equity (ytd only) | 4.5796% | 3,355 |
| Net charge-offs to loans | 0.6063% | 1,091 |
| Credit loss provision to net charge-offs | 67.6467% | 2,879 |
| Earnings coverage of net charge-offs (x) | 4.3800% | 3,151 |
| Efficiency ratio | 61.1226% | 5,308 |
| Assets per employee ($millions) | 4.9773% | 2,138 |
| Cash dividends to net income (ytd only)* | 39.9231% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 2,728 |
| Loan loss allowance to noncurrent loans | 62.7629% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.5253% | 1,673 |
| Noncurrent loans to loans | 2.7309% | 1,669 |
| Net loans and leases to total assets | 65.4095% | 2,695 |
| Net loans and leases to deposits | 77.7572% | 2,596 |
| Net loans and leases to core deposits | 79.1114% | 3,152 |
| Total domestic deposits to total assets | 84.1202% | 4,267 |
| Equity capital to assets | 12.8735% | 1,395 |
| Core capital (leverage) ratio | 10.3114% | 3,089 |
| Tier 1 risk-based capital ratio | 12.6342% | 5,407 |
| Total risk-based capital ratio | 13.8878% | 5,342 |
| Memoranda: | ||
| Average total assets | $8,040,573,670 | 128 |
| Average earning assets | $7,057,845,000 | 128 |
| Average equity | $1,051,497,330 | 121 |
| Average total loans | $5,396,944,670 | 123 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 3,872 |
| Cost of funding earning assets | 0.2163% | 6,497 |
| Net interest margin | 3.8479% | 2,289 |
| Noninterest income to average assets | 1.3007% | 910 |
| Noninterest expense to average assets | 2.9547% | 3,144 |
| Loan and lease loss provision to assets | 0.2745% | 1,286 |
| Net operating income to assets | 0.9634% | 2,386 |
| Return on assets (ROA) | 0.9634% | 2,515 |
| Pretax return on assets | 1.4402% | 1,736 |
| Return on Equity (ROE) | 7.3084% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.3084% | 2,026 |
| Net charge-offs to loans | 0.5556% | 1,093 |
| Credit loss provision to net charge-offs | 73.2833% | 2,248 |
| Earnings coverage of net charge-offs (x) | 4.5778% | 2,523 |
| Efficiency ratio | 62.3964% | 5,255 |
| Assets per employee ($millions) | 4.7544% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 2,594 |
| Loan loss allowance to noncurrent loans | 69.2200% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.4839% | 1,859 |
| Noncurrent loans to loans | 2.6117% | 1,972 |
| Net loans and leases to total assets | 66.2258% | 2,332 |
| Net loans and leases to deposits | 79.3473% | 2,168 |
| Net loans and leases to core deposits | 80.7641% | 2,719 |
| Total domestic deposits to total assets | 83.4632% | 4,687 |
| Equity capital to assets | 13.3316% | 1,281 |
| Core capital (leverage) ratio | 10.4890% | 2,793 |
| Tier 1 risk-based capital ratio | 12.8061% | 5,366 |
| Total risk-based capital ratio | 14.0610% | 5,311 |
| Memoranda: | ||
| Average total assets | $7,962,056,500 | 132 |
| Average earning assets | $6,970,583,000 | 131 |
| Average equity | $1,049,587,500 | 125 |
| Average total loans | $5,367,656,500 | 125 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 4,090 |
| Cost of funding earning assets | 0.2906% | 6,503 |
| Net interest margin | 4.0385% | 2,240 |
| Noninterest income to average assets | 1.3161% | 884 |
| Noninterest expense to average assets | 3.0238% | 3,187 |
| Loan and lease loss provision to assets | 1.8628% | 127 |
| Net operating income to assets | 0.0761% | 6,050 |
| Return on assets (ROA) | 0.0687% | 6,206 |
| Pretax return on assets | -0.0624% | 6,337 |
| Return on Equity (ROE) | 0.5143% | 6,218 |
| Retained earnings to average equity (ytd only) | -1.8432% | 6,142 |
| Net charge-offs to loans | 3.0746% | 156 |
| Credit loss provision to net charge-offs | 88.9414% | 3,518 |
| Earnings coverage of net charge-offs (x) | 0.8652% | 5,042 |
| Efficiency ratio | 61.6507% | 5,291 |
| Assets per employee ($millions) | 4.6774% | 2,667 |
| Cash dividends to net income (ytd only)* | 458.3792% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 2,477 |
| Loan loss allowance to noncurrent loans | 75.0632% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 2,103 |
| Noncurrent loans to loans | 2.4463% | 2,168 |
| Net loans and leases to total assets | 66.1486% | 2,506 |
| Net loans and leases to deposits | 78.8497% | 2,418 |
| Net loans and leases to core deposits | 80.3303% | 2,963 |
| Total domestic deposits to total assets | 83.8920% | 4,362 |
| Equity capital to assets | 13.0340% | 1,432 |
| Core capital (leverage) ratio | 10.0913% | 3,285 |
| Tier 1 risk-based capital ratio | 12.5054% | 5,474 |
| Total risk-based capital ratio | 13.7611% | 5,423 |
| Memoranda: | ||
| Average total assets | $7,937,956,800 | 130 |
| Average earning assets | $6,918,056,600 | 130 |
| Average equity | $1,060,463,800 | 122 |
| Average total loans | $5,407,152,400 | 121 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 4,229 |
| Cost of funding earning assets | 0.3061% | 6,588 |
| Net interest margin | 4.0482% | 2,300 |
| Noninterest income to average assets | 1.2082% | 1,030 |
| Noninterest expense to average assets | 2.9009% | 3,591 |
| Loan and lease loss provision to assets | 2.3688% | 70 |
| Net operating income to assets | -0.2023% | 6,503 |
| Return on assets (ROA) | -0.2131% | 6,578 |
| Pretax return on assets | -0.5501% | 6,725 |
| Return on Equity (ROE) | -1.5856% | 6,538 |
| Retained earnings to average equity (ytd only) | -4.7142% | 6,598 |
| Net charge-offs to loans | 3.9047% | 94 |
| Credit loss provision to net charge-offs | 88.8199% | 3,334 |
| Earnings coverage of net charge-offs (x) | 0.6883% | 4,979 |
| Efficiency ratio | 60.3508% | 5,438 |
| Assets per employee ($millions) | 4.6065% | 2,737 |
| Cash dividends to net income (ytd only)* | -197.3165% | 7,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,721 |
| Loan loss allowance to noncurrent loans | 41.8937% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 3.5616% | 1,404 |
| Noncurrent loans to loans | 4.3510% | 1,114 |
| Net loans and leases to total assets | 67.2216% | 2,420 |
| Net loans and leases to deposits | 79.5769% | 2,465 |
| Net loans and leases to core deposits | 81.5435% | 3,020 |
| Total domestic deposits to total assets | 84.4738% | 3,991 |
| Equity capital to assets | 12.8000% | 1,707 |
| Core capital (leverage) ratio | 9.3222% | 4,545 |
| Tier 1 risk-based capital ratio | 11.4732% | 6,240 |
| Total risk-based capital ratio | 12.7287% | 6,209 |
| Memoranda: | ||
| Average total assets | $7,926,365,250 | 131 |
| Average earning assets | $6,908,466,000 | 131 |
| Average equity | $1,065,411,000 | 121 |
| Average total loans | $5,413,861,250 | 121 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 4,270 |
| Cost of funding earning assets | 0.3266% | 6,615 |
| Net interest margin | 4.0508% | 2,294 |
| Noninterest income to average assets | 1.1769% | 1,031 |
| Noninterest expense to average assets | 2.8164% | 3,951 |
| Loan and lease loss provision to assets | 0.9393% | 486 |
| Net operating income to assets | 0.6818% | 3,972 |
| Return on assets (ROA) | 0.6674% | 4,286 |
| Pretax return on assets | 0.9289% | 3,966 |
| Return on Equity (ROE) | 4.8860% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.8860% | 3,339 |
| Net charge-offs to loans | 1.5892% | 595 |
| Credit loss provision to net charge-offs | 86.6059% | 3,140 |
| Earnings coverage of net charge-offs (x) | 1.7410% | 4,111 |
| Efficiency ratio | 58.9658% | 5,734 |
| Assets per employee ($millions) | 4.5901% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0462% | 2,114 |
| Loan loss allowance to noncurrent loans | 50.1973% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 3.3668% | 1,598 |
| Noncurrent loans to loans | 4.0762% | 1,348 |
| Net loans and leases to total assets | 67.5173% | 2,367 |
| Net loans and leases to deposits | 80.9396% | 2,238 |
| Net loans and leases to core deposits | 82.6195% | 2,879 |
| Total domestic deposits to total assets | 83.4169% | 4,572 |
| Equity capital to assets | 13.6929% | 1,216 |
| Core capital (leverage) ratio | 10.7856% | 2,496 |
| Tier 1 risk-based capital ratio | 13.2276% | 5,018 |
| Total risk-based capital ratio | 14.4858% | 4,987 |
| Memoranda: | ||
| Average total assets | $7,889,022,000 | 130 |
| Average earning assets | $6,870,431,330 | 131 |
| Average equity | $1,077,575,330 | 119 |
| Average total loans | $5,383,860,330 | 121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 4,293 |
| Cost of funding earning assets | 0.3546% | 6,619 |
| Net interest margin | 4.0549% | 2,276 |
| Noninterest income to average assets | 1.2245% | 953 |
| Noninterest expense to average assets | 2.8591% | 3,786 |
| Loan and lease loss provision to assets | 0.8565% | 534 |
| Net operating income to assets | 0.7446% | 3,653 |
| Return on assets (ROA) | 0.7100% | 4,057 |
| Pretax return on assets | 0.9828% | 3,736 |
| Return on Equity (ROE) | 5.2046% | 4,691 |
| Retained earnings to average equity (ytd only) | 5.2046% | 3,434 |
| Net charge-offs to loans | 1.5748% | 634 |
| Credit loss provision to net charge-offs | 80.1039% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.7651% | 3,456 |
| Efficiency ratio | 59.3416% | 5,714 |
| Assets per employee ($millions) | 4.5301% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1282% | 2,026 |
| Loan loss allowance to noncurrent loans | 50.5969% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 3.6481% | 1,554 |
| Noncurrent loans to loans | 4.2063% | 1,439 |
| Net loans and leases to total assets | 66.6658% | 2,356 |
| Net loans and leases to deposits | 80.3271% | 2,161 |
| Net loans and leases to core deposits | 82.0444% | 2,828 |
| Total domestic deposits to total assets | 82.9929% | 4,930 |
| Equity capital to assets | 13.7382% | 1,123 |
| Core capital (leverage) ratio | 10.8207% | 2,422 |
| Tier 1 risk-based capital ratio | 13.3198% | 4,955 |
| Total risk-based capital ratio | 14.5788% | 4,944 |
| Memoranda: | ||
| Average total assets | $7,851,603,500 | 131 |
| Average earning assets | $6,819,626,500 | 131 |
| Average equity | $1,071,122,000 | 120 |
| Average total loans | $5,331,137,500 | 120 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 4,511 |
| Cost of funding earning assets | 0.4355% | 6,783 |
| Net interest margin | 4.2031% | 2,045 |
| Noninterest income to average assets | 1.1796% | 950 |
| Noninterest expense to average assets | 2.9480% | 3,783 |
| Loan and lease loss provision to assets | 0.8385% | 1,160 |
| Net operating income to assets | 0.7575% | 3,228 |
| Return on assets (ROA) | 0.7798% | 3,299 |
| Pretax return on assets | 1.0594% | 3,003 |
| Return on Equity (ROE) | 5.8559% | 3,942 |
| Retained earnings to average equity (ytd only) | 1.6271% | 5,047 |
| Net charge-offs to loans | 1.6711% | 927 |
| Credit loss provision to net charge-offs | 74.8648% | 4,679 |
| Earnings coverage of net charge-offs (x) | 1.6676% | 4,520 |
| Efficiency ratio | 60.2269% | 5,720 |
| Assets per employee ($millions) | 4.4389% | 3,005 |
| Cash dividends to net income (ytd only)* | 72.2149% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 1,761 |
| Loan loss allowance to noncurrent loans | 52.3023% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 3.7096% | 1,581 |
| Noncurrent loans to loans | 4.2493% | 1,442 |
| Net loans and leases to total assets | 66.1775% | 2,754 |
| Net loans and leases to deposits | 79.5441% | 2,607 |
| Net loans and leases to core deposits | 81.4188% | 3,262 |
| Total domestic deposits to total assets | 83.1960% | 4,671 |
| Equity capital to assets | 13.5458% | 1,243 |
| Core capital (leverage) ratio | 10.3678% | 2,884 |
| Tier 1 risk-based capital ratio | 13.1120% | 4,981 |
| Total risk-based capital ratio | 14.3719% | 4,950 |
| Memoranda: | ||
| Average total assets | $7,991,302,200 | 129 |
| Average earning assets | $6,913,293,600 | 130 |
| Average equity | $1,064,129,400 | 118 |
| Average total loans | $5,356,271,800 | 118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 4,686 |
| Cost of funding earning assets | 0.4500% | 6,876 |
| Net interest margin | 4.1975% | 2,109 |
| Noninterest income to average assets | 1.1448% | 1,005 |
| Noninterest expense to average assets | 2.9065% | 3,905 |
| Loan and lease loss provision to assets | 0.7704% | 1,222 |
| Net operating income to assets | 0.8040% | 3,136 |
| Return on assets (ROA) | 0.8346% | 3,165 |
| Pretax return on assets | 1.1418% | 2,852 |
| Return on Equity (ROE) | 6.2939% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.2939% | 2,372 |
| Net charge-offs to loans | 1.4978% | 967 |
| Credit loss provision to net charge-offs | 76.9192% | 4,246 |
| Earnings coverage of net charge-offs (x) | 1.8675% | 4,266 |
| Efficiency ratio | 59.8472% | 5,749 |
| Assets per employee ($millions) | 4.5524% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 1,588 |
| Loan loss allowance to noncurrent loans | 60.5962% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 3.2044% | 1,992 |
| Noncurrent loans to loans | 3.9095% | 1,704 |
| Net loans and leases to total assets | 63.2647% | 3,462 |
| Net loans and leases to deposits | 77.7443% | 3,038 |
| Net loans and leases to core deposits | 80.0975% | 3,621 |
| Total domestic deposits to total assets | 81.3754% | 5,304 |
| Equity capital to assets | 13.3081% | 1,460 |
| Core capital (leverage) ratio | 10.6346% | 2,722 |
| Tier 1 risk-based capital ratio | 13.5797% | 4,674 |
| Total risk-based capital ratio | 14.8417% | 4,632 |
| Memoranda: | ||
| Average total assets | $8,027,124,750 | 128 |
| Average earning assets | $6,945,721,750 | 129 |
| Average equity | $1,064,392,000 | 118 |
| Average total loans | $5,367,421,750 | 116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 4,357 |
| Cost of funding earning assets | 0.4680% | 6,957 |
| Net interest margin | 4.2693% | 1,767 |
| Noninterest income to average assets | 1.1098% | 1,054 |
| Noninterest expense to average assets | 2.9086% | 3,989 |
| Loan and lease loss provision to assets | 0.8161% | 1,125 |
| Net operating income to assets | 0.7958% | 3,102 |
| Return on assets (ROA) | 0.8348% | 3,036 |
| Pretax return on assets | 1.1187% | 2,774 |
| Return on Equity (ROE) | 6.3038% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.3038% | 2,243 |
| Net charge-offs to loans | 1.4274% | 1,055 |
| Credit loss provision to net charge-offs | 84.6042% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.9517% | 3,889 |
| Efficiency ratio | 59.7009% | 5,921 |
| Assets per employee ($millions) | 4.3725% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5106% | 1,432 |
| Loan loss allowance to noncurrent loans | 67.6943% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 3.1284% | 2,143 |
| Noncurrent loans to loans | 3.7088% | 1,896 |
| Net loans and leases to total assets | 65.4822% | 3,137 |
| Net loans and leases to deposits | 79.4772% | 2,893 |
| Net loans and leases to core deposits | 81.5544% | 3,567 |
| Total domestic deposits to total assets | 82.3912% | 5,026 |
| Equity capital to assets | 13.4845% | 1,303 |
| Core capital (leverage) ratio | 10.5438% | 2,667 |
| Tier 1 risk-based capital ratio | 13.3615% | 4,639 |
| Total risk-based capital ratio | 14.6250% | 4,612 |
| Memoranda: | ||
| Average total assets | $7,953,210,670 | 127 |
| Average earning assets | $6,858,276,000 | 131 |
| Average equity | $1,053,265,670 | 118 |
| Average total loans | $5,374,811,000 | 115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7562% | 4,270 |
| Cost of funding earning assets | 0.4897% | 7,008 |
| Net interest margin | 4.2665% | 1,679 |
| Noninterest income to average assets | 1.0886% | 1,106 |
| Noninterest expense to average assets | 2.9011% | 4,056 |
| Loan and lease loss provision to assets | 0.7353% | 1,157 |
| Net operating income to assets | 0.8681% | 2,709 |
| Return on assets (ROA) | 0.8891% | 2,684 |
| Pretax return on assets | 1.1509% | 2,556 |
| Return on Equity (ROE) | 6.7754% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.7754% | 2,246 |
| Net charge-offs to loans | 1.2113% | 1,149 |
| Credit loss provision to net charge-offs | 89.5544% | 2,948 |
| Earnings coverage of net charge-offs (x) | 2.2640% | 3,183 |
| Efficiency ratio | 59.9333% | 5,991 |
| Assets per employee ($millions) | 4.3292% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 1,338 |
| Loan loss allowance to noncurrent loans | 66.0759% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 3.6029% | 1,889 |
| Noncurrent loans to loans | 3.9094% | 1,879 |
| Net loans and leases to total assets | 66.3476% | 2,919 |
| Net loans and leases to deposits | 80.9794% | 2,530 |
| Net loans and leases to core deposits | 83.5008% | 3,232 |
| Total domestic deposits to total assets | 81.9315% | 5,344 |
| Equity capital to assets | 13.3298% | 1,251 |
| Core capital (leverage) ratio | 10.3634% | 2,750 |
| Tier 1 risk-based capital ratio | 12.9570% | 4,860 |
| Total risk-based capital ratio | 14.2212% | 4,833 |
| Memoranda: | ||
| Average total assets | $7,937,725,500 | 130 |
| Average earning assets | $6,830,622,500 | 135 |
| Average equity | $1,041,584,500 | 121 |
| Average total loans | $5,380,786,500 | 117 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 4,878 |
| Cost of funding earning assets | 0.6112% | 7,104 |
| Net interest margin | 4.3180% | 1,762 |
| Noninterest income to average assets | 0.8435% | 2,087 |
| Noninterest expense to average assets | 2.8115% | 4,556 |
| Loan and lease loss provision to assets | 1.5156% | 975 |
| Net operating income to assets | 0.2466% | 5,119 |
| Return on assets (ROA) | 0.4052% | 4,654 |
| Pretax return on assets | 0.3792% | 5,006 |
| Return on Equity (ROE) | 3.1078% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.1078% | 3,686 |
| Net charge-offs to loans | 2.2446% | 864 |
| Credit loss provision to net charge-offs | 98.5273% | 4,695 |
| Earnings coverage of net charge-offs (x) | 1.1287% | 4,978 |
| Efficiency ratio | 60.6125% | 5,951 |
| Assets per employee ($millions) | 4.3865% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6093% | 1,283 |
| Loan loss allowance to noncurrent loans | 65.6628% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 3.5641% | 1,932 |
| Noncurrent loans to loans | 3.9737% | 1,832 |
| Net loans and leases to total assets | 65.7112% | 3,518 |
| Net loans and leases to deposits | 79.9125% | 3,189 |
| Net loans and leases to core deposits | 82.8140% | 3,772 |
| Total domestic deposits to total assets | 82.2289% | 5,114 |
| Equity capital to assets | 12.9164% | 1,433 |
| Core capital (leverage) ratio | 9.8793% | 3,233 |
| Tier 1 risk-based capital ratio | 12.6090% | 4,928 |
| Total risk-based capital ratio | 13.8734% | 4,899 |
| Memoranda: | ||
| Average total assets | $7,769,514,200 | 134 |
| Average earning assets | $6,665,074,600 | 136 |
| Average equity | $1,013,003,400 | 119 |
| Average total loans | $5,324,460,000 | 118 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 4,977 |
| Cost of funding earning assets | 0.6469% | 7,187 |
| Net interest margin | 4.3166% | 1,788 |
| Noninterest income to average assets | 0.8920% | 1,825 |
| Noninterest expense to average assets | 2.8007% | 4,487 |
| Loan and lease loss provision to assets | 1.0684% | 1,371 |
| Net operating income to assets | 0.5678% | 4,014 |
| Return on assets (ROA) | 0.7134% | 3,506 |
| Pretax return on assets | 0.9076% | 3,530 |
| Return on Equity (ROE) | 5.4585% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.4585% | 2,673 |
| Net charge-offs to loans | 1.5476% | 1,292 |
| Credit loss provision to net charge-offs | 100.3392% | 4,297 |
| Earnings coverage of net charge-offs (x) | 1.6827% | 4,441 |
| Efficiency ratio | 59.8030% | 5,982 |
| Assets per employee ($millions) | 4.3931% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6521% | 1,138 |
| Loan loss allowance to noncurrent loans | 76.7491% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 3.8344% | 1,851 |
| Noncurrent loans to loans | 3.4555% | 2,302 |
| Net loans and leases to total assets | 64.7322% | 3,968 |
| Net loans and leases to deposits | 79.0859% | 3,622 |
| Net loans and leases to core deposits | 82.8290% | 4,109 |
| Total domestic deposits to total assets | 81.8505% | 5,053 |
| Equity capital to assets | 12.9238% | 1,618 |
| Core capital (leverage) ratio | 10.1563% | 3,090 |
| Tier 1 risk-based capital ratio | 12.5874% | 4,907 |
| Total risk-based capital ratio | 13.8518% | 4,872 |
| Memoranda: | ||
| Average total assets | $7,716,048,000 | 133 |
| Average earning assets | $6,614,688,750 | 137 |
| Average equity | $1,008,462,250 | 119 |
| Average total loans | $5,308,944,250 | 120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 4,609 |
| Cost of funding earning assets | 0.6862% | 7,220 |
| Net interest margin | 4.3839% | 1,493 |
| Noninterest income to average assets | 0.9294% | 1,585 |
| Noninterest expense to average assets | 2.8341% | 4,340 |
| Loan and lease loss provision to assets | 0.8736% | 1,666 |
| Net operating income to assets | 0.7335% | 3,262 |
| Return on assets (ROA) | 0.8146% | 3,049 |
| Pretax return on assets | 1.0819% | 2,839 |
| Return on Equity (ROE) | 6.2080% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.2080% | 2,223 |
| Net charge-offs to loans | 1.2344% | 1,545 |
| Credit loss provision to net charge-offs | 101.6290% | 4,017 |
| Earnings coverage of net charge-offs (x) | 2.1490% | 3,947 |
| Efficiency ratio | 59.3905% | 6,163 |
| Assets per employee ($millions) | 4.3664% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7597% | 1,032 |
| Loan loss allowance to noncurrent loans | 116.0963% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 3.0962% | 2,292 |
| Noncurrent loans to loans | 2.3770% | 3,281 |
| Net loans and leases to total assets | 67.0429% | 3,611 |
| Net loans and leases to deposits | 82.3522% | 3,209 |
| Net loans and leases to core deposits | 85.9901% | 3,839 |
| Total domestic deposits to total assets | 81.4099% | 5,237 |
| Equity capital to assets | 13.7255% | 1,264 |
| Core capital (leverage) ratio | 10.5853% | 2,555 |
| Tier 1 risk-based capital ratio | 12.7556% | 4,643 |
| Total risk-based capital ratio | 14.0211% | 4,595 |
| Memoranda: | ||
| Average total assets | $7,555,533,670 | 135 |
| Average earning assets | $6,466,627,670 | 140 |
| Average equity | $991,470,330 | 119 |
| Average total loans | $5,261,575,670 | 120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 4,650 |
| Cost of funding earning assets | 0.7286% | 7,274 |
| Net interest margin | 4.3467% | 1,542 |
| Noninterest income to average assets | 0.6901% | 2,664 |
| Noninterest expense to average assets | 2.8182% | 4,417 |
| Loan and lease loss provision to assets | 0.9753% | 1,278 |
| Net operating income to assets | 0.4991% | 4,391 |
| Return on assets (ROA) | 0.6307% | 3,881 |
| Pretax return on assets | 0.7801% | 3,948 |
| Return on Equity (ROE) | 4.9210% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.9210% | 3,194 |
| Net charge-offs to loans | 1.3923% | 1,238 |
| Credit loss provision to net charge-offs | 100.0873% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1.6347% | 3,752 |
| Efficiency ratio | 62.6800% | 5,712 |
| Assets per employee ($millions) | 4.3247% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7932% | 994 |
| Loan loss allowance to noncurrent loans | 119.4336% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 3.1456% | 2,277 |
| Noncurrent loans to loans | 2.3387% | 3,343 |
| Net loans and leases to total assets | 68.1941% | 3,340 |
| Net loans and leases to deposits | 84.7261% | 2,813 |
| Net loans and leases to core deposits | 88.8336% | 3,516 |
| Total domestic deposits to total assets | 80.4878% | 5,620 |
| Equity capital to assets | 13.8059% | 1,207 |
| Core capital (leverage) ratio | 10.4646% | 2,650 |
| Tier 1 risk-based capital ratio | 12.4491% | 4,795 |
| Total risk-based capital ratio | 13.7150% | 4,733 |
| Memoranda: | ||
| Average total assets | $7,525,808,500 | 135 |
| Average earning assets | $6,442,638,000 | 140 |
| Average equity | $964,608,500 | 119 |
| Average total loans | $5,267,267,500 | 120 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 6,707 |
| Cost of funding earning assets | 1.1215% | 6,908 |
| Net interest margin | 3.7816% | 3,788 |
| Noninterest income to average assets | 1.0589% | 1,377 |
| Noninterest expense to average assets | 2.5591% | 5,924 |
| Loan and lease loss provision to assets | 2.7162% | 691 |
| Net operating income to assets | -0.2909% | 5,959 |
| Return on assets (ROA) | -0.2739% | 5,932 |
| Pretax return on assets | -0.8724% | 6,323 |
| Return on Equity (ROE) | -2.3574% | 5,903 |
| Retained earnings to average equity (ytd only) | -2.3574% | 5,584 |
| Net charge-offs to loans | 3.0811% | 675 |
| Credit loss provision to net charge-offs | 130.9222% | 3,876 |
| Earnings coverage of net charge-offs (x) | 0.8759% | 5,229 |
| Efficiency ratio | 57.3450% | 6,856 |
| Assets per employee ($millions) | 4.4487% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7069% | 1,010 |
| Loan loss allowance to noncurrent loans | 51.9808% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 5.2093% | 1,149 |
| Noncurrent loans to loans | 5.2075% | 1,270 |
| Net loans and leases to total assets | 67.9407% | 3,716 |
| Net loans and leases to deposits | 88.4022% | 2,488 |
| Net loans and leases to core deposits | 100.4443% | 3,950 |
| Total domestic deposits to total assets | 76.8541% | 6,520 |
| Equity capital to assets | 11.8636% | 2,102 |
| Core capital (leverage) ratio | 8.7968% | 4,774 |
| Tier 1 risk-based capital ratio | 10.2714% | 6,616 |
| Total risk-based capital ratio | 11.5369% | 6,571 |
| Memoranda: | ||
| Average total assets | $7,940,133,000 | 128 |
| Average earning assets | $6,965,422,000 | 128 |
| Average equity | $922,488,200 | 119 |
| Average total loans | $5,346,631,200 | 119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 6,901 |
| Cost of funding earning assets | 1.2082% | 6,865 |
| Net interest margin | 3.6865% | 4,128 |
| Noninterest income to average assets | 1.0311% | 1,492 |
| Noninterest expense to average assets | 2.4870% | 6,114 |
| Loan and lease loss provision to assets | 2.0419% | 876 |
| Net operating income to assets | 0.1423% | 5,344 |
| Return on assets (ROA) | 0.2263% | 5,152 |
| Pretax return on assets | -0.1162% | 5,866 |
| Return on Equity (ROE) | 1.9578% | 5,177 |
| Retained earnings to average equity (ytd only) | 1.9578% | 4,232 |
| Net charge-offs to loans | 2.0519% | 954 |
| Credit loss provision to net charge-offs | 149.1054% | 3,232 |
| Earnings coverage of net charge-offs (x) | 1.3104% | 4,801 |
| Efficiency ratio | 56.9465% | 6,880 |
| Assets per employee ($millions) | 4.4027% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5305% | 1,027 |
| Loan loss allowance to noncurrent loans | 51.0985% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 4.2009% | 1,492 |
| Noncurrent loans to loans | 4.9522% | 1,349 |
| Net loans and leases to total assets | 67.7448% | 4,011 |
| Net loans and leases to deposits | 87.2976% | 3,086 |
| Net loans and leases to core deposits | 98.6601% | 4,527 |
| Total domestic deposits to total assets | 77.6021% | 6,193 |
| Equity capital to assets | 12.4052% | 2,001 |
| Core capital (leverage) ratio | 9.1041% | 4,485 |
| Tier 1 risk-based capital ratio | 11.1569% | 5,802 |
| Total risk-based capital ratio | 12.4182% | 5,735 |
| Memoranda: | ||
| Average total assets | $8,009,982,250 | 132 |
| Average earning assets | $7,062,396,000 | 132 |
| Average equity | $925,901,250 | 125 |
| Average total loans | $5,345,897,750 | 125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 7,006 |
| Cost of funding earning assets | 1.2655% | 6,909 |
| Net interest margin | 3.6459% | 4,188 |
| Noninterest income to average assets | 1.0144% | 1,548 |
| Noninterest expense to average assets | 2.4455% | 6,316 |
| Loan and lease loss provision to assets | 2.0816% | 769 |
| Net operating income to assets | -0.0015% | 5,844 |
| Return on assets (ROA) | 0.3638% | 4,745 |
| Pretax return on assets | 0.0744% | 5,733 |
| Return on Equity (ROE) | 3.2210% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.2210% | 3,527 |
| Net charge-offs to loans | 1.9038% | 983 |
| Credit loss provision to net charge-offs | 165.9812% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.4279% | 4,459 |
| Efficiency ratio | 56.5927% | 7,041 |
| Assets per employee ($millions) | 4.4143% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3878% | 1,009 |
| Loan loss allowance to noncurrent loans | 48.4301% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 4.0666% | 1,442 |
| Noncurrent loans to loans | 4.9304% | 1,254 |
| Net loans and leases to total assets | 67.5241% | 4,247 |
| Net loans and leases to deposits | 87.6134% | 3,238 |
| Net loans and leases to core deposits | 100.0768% | 4,502 |
| Total domestic deposits to total assets | 77.0705% | 6,310 |
| Equity capital to assets | 11.8531% | 2,293 |
| Core capital (leverage) ratio | 8.7515% | 5,000 |
| Tier 1 risk-based capital ratio | 10.9862% | 5,886 |
| Total risk-based capital ratio | 12.2458% | 5,813 |
| Memoranda: | ||
| Average total assets | $8,135,229,000 | 136 |
| Average earning assets | $7,188,993,670 | 133 |
| Average equity | $918,855,000 | 129 |
| Average total loans | $5,359,174,330 | 131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 7,078 |
| Cost of funding earning assets | 1.3023% | 7,007 |
| Net interest margin | 3.6357% | 4,161 |
| Noninterest income to average assets | 0.9934% | 1,499 |
| Noninterest expense to average assets | 2.2662% | 6,643 |
| Loan and lease loss provision to assets | 2.3211% | 510 |
| Net operating income to assets | 0.0088% | 6,235 |
| Return on assets (ROA) | 0.4031% | 5,030 |
| Pretax return on assets | 0.0282% | 6,325 |
| Return on Equity (ROE) | 3.6524% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.6524% | 3,869 |
| Net charge-offs to loans | 1.9580% | 735 |
| Credit loss provision to net charge-offs | 184.2225% | 2,367 |
| Earnings coverage of net charge-offs (x) | 1.5517% | 3,949 |
| Efficiency ratio | 52.5744% | 7,355 |
| Assets per employee ($millions) | 4.6807% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 1,135 |
| Loan loss allowance to noncurrent loans | 45.0542% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 3.6171% | 1,467 |
| Noncurrent loans to loans | 4.7868% | 1,157 |
| Net loans and leases to total assets | 64.2124% | 4,950 |
| Net loans and leases to deposits | 95.4516% | 2,042 |
| Net loans and leases to core deposits | 109.3506% | 3,519 |
| Total domestic deposits to total assets | 67.2723% | 7,653 |
| Equity capital to assets | 11.2363% | 2,779 |
| Core capital (leverage) ratio | 8.4340% | 5,650 |
| Tier 1 risk-based capital ratio | 10.4479% | 6,450 |
| Total risk-based capital ratio | 11.7043% | 6,351 |
| Memoranda: | ||
| Average total assets | $8,342,559,500 | 134 |
| Average earning assets | $7,406,933,500 | 133 |
| Average equity | $920,718,000 | 124 |
| Average total loans | $5,368,376,000 | 133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6202% | 7,011 |
| Cost of funding earning assets | 2.0460% | 6,256 |
| Net interest margin | 3.5742% | 4,994 |
| Noninterest income to average assets | 1.1274% | 1,229 |
| Noninterest expense to average assets | 2.2530% | 6,824 |
| Loan and lease loss provision to assets | 0.8512% | 1,753 |
| Net operating income to assets | 1.2268% | 1,695 |
| Return on assets (ROA) | 0.7954% | 3,294 |
| Pretax return on assets | 0.7424% | 4,273 |
| Return on Equity (ROE) | 7.3265% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.3265% | 1,046 |
| Net charge-offs to loans | 0.7412% | 1,669 |
| Credit loss provision to net charge-offs | 183.9832% | 2,701 |
| Earnings coverage of net charge-offs (x) | 4.3771% | 4,005 |
| Efficiency ratio | 51.4230% | 7,549 |
| Assets per employee ($millions) | 4.7320% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 1,755 |
| Loan loss allowance to noncurrent loans | 56.9708% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.2279% | 2,192 |
| Noncurrent loans to loans | 3.0752% | 1,737 |
| Net loans and leases to total assets | 62.0092% | 5,622 |
| Net loans and leases to deposits | 90.7939% | 3,319 |
| Net loans and leases to core deposits | 103.0812% | 4,499 |
| Total domestic deposits to total assets | 68.2966% | 7,439 |
| Equity capital to assets | 10.8434% | 3,171 |
| Core capital (leverage) ratio | 8.1860% | 6,189 |
| Tier 1 risk-based capital ratio | 10.0912% | 6,628 |
| Total risk-based capital ratio | 11.3434% | 6,504 |
| Memoranda: | ||
| Average total assets | $8,253,288,400 | 131 |
| Average earning assets | $7,275,312,600 | 129 |
| Average equity | $895,976,600 | 125 |
| Average total loans | $5,151,824,600 | 130 |