Home > Fulton Bank > Performance and Condition Ratios
Fulton Bank, Performance and Condition Ratios
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6182% | 1,741 |
Cost of funding earning assets | 2.1425% | 1,780 |
Net interest margin | 3.4757% | 2,015 |
Noninterest income to average assets | 1.3200% | 407 |
Noninterest expense to average assets | 2.6998% | 1,682 |
Loan and lease loss provision to assets | 0.3000% | 330 |
Net operating income to assets | 1.2967% | 1,265 |
Return on assets (ROA) | 1.1615% | 1,575 |
Pretax return on assets | 1.3374% | 1,608 |
Return on Equity (ROE) | 11.3600% | 1,787 |
Retained earnings to average equity (ytd only) | 11.3584% | 632 |
Net charge-offs to loans | 0.1783% | 592 |
Credit loss provision to net charge-offs | 233.8174% | 934 |
Earnings coverage of net charge-offs (x) | 12.9732% | 1,869 |
Efficiency ratio | 59.3372% | 3,270 |
Assets per employee ($millions) | 8.3809% | 1,256 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5578% | 937 |
Loan loss allowance to noncurrent loans | 213.9919% | 2,212 |
Noncurrent assets plus other real estate owned to assets | 0.5597% | 1,216 |
Noncurrent loans to loans | 0.7280% | 1,282 |
Net loans and leases to total assets | 75.0700% | 1,284 |
Net loans and leases to deposits | 92.2180% | 1,101 |
Net loans and leases to core deposits | 99.0777% | 1,542 |
Total domestic deposits to total assets | 81.4000% | 3,199 |
Equity capital to assets | 10.1657% | 1,980 |
Core capital (leverage) ratio | 9.5891% | 3,165 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0264% | 2,245 |
Memoranda: | ||
Average total assets | $28,868,355,667 | 73 |
Average earning assets | $26,347,619,333 | 71 |
Average equity | $2,952,140,667 | 78 |
Average total loans | $22,317,643,333 | 62 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4300% | 1,947 |
Cost of funding earning assets | 2.0439% | 1,891 |
Net interest margin | 3.3860% | 2,144 |
Noninterest income to average assets | 0.8200% | 788 |
Noninterest expense to average assets | 2.5350% | 2,149 |
Loan and lease loss provision to assets | 0.1600% | 649 |
Net operating income to assets | 0.9898% | 1,956 |
Return on assets (ROA) | 0.9762% | 2,008 |
Pretax return on assets | 1.1971% | 1,898 |
Return on Equity (ROE) | 9.5100% | 2,259 |
Retained earnings to average equity (ytd only) | 9.5132% | 1,206 |
Net charge-offs to loans | 0.1606% | 531 |
Credit loss provision to net charge-offs | 152.1694% | 938 |
Earnings coverage of net charge-offs (x) | 10.9457% | 1,607 |
Efficiency ratio | 64.7069% | 2,720 |
Assets per employee ($millions) | 8.1582% | 1,358 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3885% | 1,427 |
Loan loss allowance to noncurrent loans | 190.7130% | 2,460 |
Noncurrent assets plus other real estate owned to assets | 0.5685% | 1,130 |
Noncurrent loans to loans | 0.7280% | 1,216 |
Net loans and leases to total assets | 76.8600% | 969 |
Net loans and leases to deposits | 96.3607% | 692 |
Net loans and leases to core deposits | 105.1543% | 1,144 |
Total domestic deposits to total assets | 79.7600% | 3,554 |
Equity capital to assets | 10.3733% | 1,795 |
Core capital (leverage) ratio | 9.8738% | 2,867 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0547% | 2,220 |
Memoranda: | ||
Average total assets | $27,479,348,500 | 76 |
Average earning assets | $25,020,007,000 | 75 |
Average equity | $2,819,673,500 | 81 |
Average total loans | $21,410,053,000 | 64 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1560% | 1,750 |
Cost of funding earning assets | 1.6155% | 1,651 |
Net interest margin | 3.5405% | 2,090 |
Noninterest income to average assets | 0.8800% | 794 |
Noninterest expense to average assets | 2.4836% | 2,344 |
Loan and lease loss provision to assets | 0.2000% | 621 |
Net operating income to assets | 1.1532% | 1,775 |
Return on assets (ROA) | 1.1377% | 1,792 |
Pretax return on assets | 1.3989% | 1,635 |
Return on Equity (ROE) | 10.9900% | 2,229 |
Retained earnings to average equity (ytd only) | 0.3197% | 3,981 |
Net charge-offs to loans | 0.1390% | 725 |
Credit loss provision to net charge-offs | 182.6844% | 1,294 |
Earnings coverage of net charge-offs (x) | 15.0754% | 2,059 |
Efficiency ratio | 60.3492% | 3,035 |
Assets per employee ($millions) | 8.0236% | 1,422 |
Cash dividends to net income (ytd only)* | 97.0918% | 305 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3733% | 1,496 |
Loan loss allowance to noncurrent loans | 190.3058% | 2,577 |
Noncurrent assets plus other real estate owned to assets | 0.5653% | 989 |
Noncurrent loans to loans | 0.7216% | 1,080 |
Net loans and leases to total assets | 76.8100% | 1,000 |
Net loans and leases to deposits | 96.9568% | 717 |
Net loans and leases to core deposits | 105.1309% | 1,156 |
Total domestic deposits to total assets | 79.2200% | 3,578 |
Equity capital to assets | 10.1485% | 1,919 |
Core capital (leverage) ratio | 9.6249% | 3,139 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8052% | 2,303 |
Memoranda: | ||
Average total assets | $27,157,727,600 | 77 |
Average earning assets | $24,693,787,800 | 74 |
Average equity | $2,810,903,600 | 75 |
Average total loans | $20,916,741,000 | 63 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0641% | 1,703 |
Cost of funding earning assets | 1.5042% | 1,592 |
Net interest margin | 3.5599% | 2,089 |
Noninterest income to average assets | 0.8700% | 813 |
Noninterest expense to average assets | 2.4415% | 2,401 |
Loan and lease loss provision to assets | 0.2200% | 486 |
Net operating income to assets | 1.1856% | 1,831 |
Return on assets (ROA) | 1.1726% | 1,855 |
Pretax return on assets | 1.4351% | 1,701 |
Return on Equity (ROE) | 11.2700% | 2,306 |
Retained earnings to average equity (ytd only) | 11.2734% | 1,110 |
Net charge-offs to loans | 0.1350% | 600 |
Credit loss provision to net charge-offs | 210.9244% | 1,087 |
Earnings coverage of net charge-offs (x) | 16.0609% | 1,943 |
Efficiency ratio | 59.1627% | 3,071 |
Assets per employee ($millions) | 7.9461% | 1,372 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3810% | 1,526 |
Loan loss allowance to noncurrent loans | 205.8440% | 2,465 |
Noncurrent assets plus other real estate owned to assets | 0.5313% | 1,100 |
Noncurrent loans to loans | 0.6709% | 1,231 |
Net loans and leases to total assets | 76.7200% | 1,029 |
Net loans and leases to deposits | 96.8476% | 696 |
Net loans and leases to core deposits | 103.6686% | 1,137 |
Total domestic deposits to total assets | 79.2200% | 3,652 |
Equity capital to assets | 10.5158% | 1,549 |
Core capital (leverage) ratio | 10.4957% | 2,395 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8959% | 1,935 |
Memoranda: | ||
Average total assets | $27,088,959,250 | 79 |
Average earning assets | $24,619,519,500 | 76 |
Average equity | $2,817,626,750 | 75 |
Average total loans | $20,804,532,250 | 63 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9193% | 1,717 |
Cost of funding earning assets | 1.3521% | 1,576 |
Net interest margin | 3.5672% | 2,105 |
Noninterest income to average assets | 0.8500% | 770 |
Noninterest expense to average assets | 2.3909% | 2,521 |
Loan and lease loss provision to assets | 0.2500% | 390 |
Net operating income to assets | 1.1953% | 1,843 |
Return on assets (ROA) | 1.1826% | 1,869 |
Pretax return on assets | 1.4396% | 1,725 |
Return on Equity (ROE) | 11.4100% | 2,326 |
Retained earnings to average equity (ytd only) | 11.4117% | 1,101 |
Net charge-offs to loans | 0.1545% | 505 |
Credit loss provision to net charge-offs | 213.1518% | 1,022 |
Earnings coverage of net charge-offs (x) | 14.4357% | 1,875 |
Efficiency ratio | 58.0443% | 3,187 |
Assets per employee ($millions) | 7.9992% | 1,317 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3650% | 1,657 |
Loan loss allowance to noncurrent loans | 193.5871% | 2,627 |
Noncurrent assets plus other real estate owned to assets | 0.5582% | 972 |
Noncurrent loans to loans | 0.7051% | 1,056 |
Net loans and leases to total assets | 76.1000% | 1,039 |
Net loans and leases to deposits | 97.1408% | 663 |
Net loans and leases to core deposits | 103.3272% | 1,079 |
Total domestic deposits to total assets | 78.3400% | 3,806 |
Equity capital to assets | 10.5446% | 1,579 |
Core capital (leverage) ratio | 10.2975% | 2,483 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4707% | 2,109 |
Memoranda: | ||
Average total assets | $27,036,260,667 | 77 |
Average earning assets | $24,585,998,000 | 74 |
Average equity | $2,801,750,667 | 74 |
Average total loans | $20,673,569,667 | 62 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7390% | 1,759 |
Cost of funding earning assets | 1.1305% | 1,662 |
Net interest margin | 3.6085% | 2,109 |
Noninterest income to average assets | 0.8000% | 855 |
Noninterest expense to average assets | 2.3531% | 2,660 |
Loan and lease loss provision to assets | 0.3600% | 227 |
Net operating income to assets | 1.1166% | 2,176 |
Return on assets (ROA) | 1.1043% | 2,177 |
Pretax return on assets | 1.3522% | 2,011 |
Return on Equity (ROE) | 10.7500% | 2,559 |
Retained earnings to average equity (ytd only) | 10.7522% | 1,526 |
Net charge-offs to loans | 0.2735% | 280 |
Credit loss provision to net charge-offs | 166.6286% | 909 |
Earnings coverage of net charge-offs (x) | 8.3073% | 1,725 |
Efficiency ratio | 57.3953% | 3,256 |
Assets per employee ($millions) | 8.1264% | 1,279 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3479% | 1,827 |
Loan loss allowance to noncurrent loans | 167.7733% | 2,847 |
Noncurrent assets plus other real estate owned to assets | 0.6276% | 804 |
Noncurrent loans to loans | 0.8034% | 959 |
Net loans and leases to total assets | 75.5600% | 1,016 |
Net loans and leases to deposits | 94.9942% | 720 |
Net loans and leases to core deposits | 100.5352% | 1,066 |
Total domestic deposits to total assets | 79.5400% | 3,826 |
Equity capital to assets | 10.4411% | 1,596 |
Core capital (leverage) ratio | 10.0901% | 2,598 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9289% | 2,416 |
Memoranda: | ||
Average total assets | $26,907,671,500 | 81 |
Average earning assets | $24,463,291,000 | 78 |
Average equity | $2,763,635,000 | 77 |
Average total loans | $20,480,986,000 | 66 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5294% | 3,002 |
Cost of funding earning assets | 0.2384% | 3,425 |
Net interest margin | 3.2910% | 2,589 |
Noninterest income to average assets | 0.8700% | 852 |
Noninterest expense to average assets | 2.2954% | 2,748 |
Loan and lease loss provision to assets | 0.0800% | 1,457 |
Net operating income to assets | 1.2318% | 1,655 |
Return on assets (ROA) | 1.2242% | 1,636 |
Pretax return on assets | 1.5011% | 1,455 |
Return on Equity (ROE) | 11.4100% | 2,339 |
Retained earnings to average equity (ytd only) | 4.3400% | 3,288 |
Net charge-offs to loans | 0.0363% | 1,364 |
Credit loss provision to net charge-offs | 268.4701% | 967 |
Earnings coverage of net charge-offs (x) | 59.0824% | 1,267 |
Efficiency ratio | 59.0334% | 3,183 |
Assets per employee ($millions) | 8.2878% | 1,189 |
Cash dividends to net income (ytd only)* | 61.9600% | 886 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3279% | 1,768 |
Loan loss allowance to noncurrent loans | 150.1734% | 2,966 |
Noncurrent assets plus other real estate owned to assets | 0.6904% | 700 |
Noncurrent loans to loans | 0.8842% | 836 |
Net loans and leases to total assets | 74.6300% | 1,164 |
Net loans and leases to deposits | 96.0735% | 632 |
Net loans and leases to core deposits | 97.6494% | 1,118 |
Total domestic deposits to total assets | 77.6800% | 4,121 |
Equity capital to assets | 10.0994% | 1,665 |
Core capital (leverage) ratio | 10.0872% | 2,557 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7460% | 2,473 |
Memoranda: | ||
Average total assets | $26,367,214,000 | 84 |
Average earning assets | $24,095,735,200 | 81 |
Average equity | $2,829,243,800 | 78 |
Average total loans | $19,507,592,800 | 67 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3734% | 2,985 |
Cost of funding earning assets | 0.1256% | 4,070 |
Net interest margin | 3.2478% | 2,467 |
Noninterest income to average assets | 0.9300% | 770 |
Noninterest expense to average assets | 2.3501% | 2,475 |
Loan and lease loss provision to assets | 0.0300% | 2,122 |
Net operating income to assets | 1.2423% | 1,545 |
Return on assets (ROA) | 1.2355% | 1,547 |
Pretax return on assets | 1.5129% | 1,381 |
Return on Equity (ROE) | 11.3900% | 2,242 |
Retained earnings to average equity (ytd only) | 11.3855% | 947 |
Net charge-offs to loans | -0.0335% | 4,165 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 60.1714% | 3,094 |
Assets per employee ($millions) | 7.6920% | 1,493 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3475% | 1,816 |
Loan loss allowance to noncurrent loans | 128.2470% | 3,179 |
Noncurrent assets plus other real estate owned to assets | 0.8152% | 613 |
Noncurrent loans to loans | 1.0507% | 727 |
Net loans and leases to total assets | 74.9100% | 1,019 |
Net loans and leases to deposits | 89.2999% | 942 |
Net loans and leases to core deposits | 90.5098% | 1,266 |
Total domestic deposits to total assets | 83.8800% | 3,526 |
Equity capital to assets | 10.4913% | 1,370 |
Core capital (leverage) ratio | 10.4389% | 2,169 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3648% | 2,334 |
Memoranda: | ||
Average total assets | $25,289,003,000 | 87 |
Average earning assets | $23,148,614,500 | 84 |
Average equity | $2,744,163,500 | 85 |
Average total loans | $18,745,665,250 | 72 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1249% | 3,245 |
Cost of funding earning assets | 0.1017% | 4,173 |
Net interest margin | 3.0232% | 2,818 |
Noninterest income to average assets | 0.9184% | 810 |
Noninterest expense to average assets | 2.2735% | 2,623 |
Loan and lease loss provision to assets | -0.0431% | 4,501 |
Net operating income to assets | 1.1981% | 1,435 |
Return on assets (ROA) | 1.1922% | 1,431 |
Pretax return on assets | 1.4588% | 1,287 |
Return on Equity (ROE) | 10.8672% | 2,026 |
Retained earnings to average equity (ytd only) | 10.8672% | 802 |
Net charge-offs to loans | -0.0516% | 4,250 |
Credit loss provision to net charge-offs | 109.0985% | 1,228 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.4531% | 3,118 |
Assets per employee ($millions) | 7.5897% | 1,559 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3125% | 2,127 |
Loan loss allowance to noncurrent loans | 142.7823% | 3,064 |
Noncurrent assets plus other real estate owned to assets | 0.7170% | 746 |
Noncurrent loans to loans | 0.9193% | 909 |
Net loans and leases to total assets | 74.9139% | 827 |
Net loans and leases to deposits | 87.9793% | 833 |
Net loans and leases to core deposits | 89.3530% | 1,157 |
Total domestic deposits to total assets | 85.1495% | 3,452 |
Equity capital to assets | 10.8030% | 1,305 |
Core capital (leverage) ratio | 10.1590% | 2,222 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1773% | 2,426 |
Memoranda: | ||
Average total assets | $25,298,468,667 | 86 |
Average earning assets | $23,235,277,667 | 84 |
Average equity | $2,775,495,333 | 85 |
Average total loans | $18,600,618,333 | 72 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9502% | 3,399 |
Cost of funding earning assets | 0.0982% | 4,152 |
Net interest margin | 2.8520% | 2,982 |
Noninterest income to average assets | 0.8961% | 844 |
Noninterest expense to average assets | 2.2573% | 2,662 |
Loan and lease loss provision to assets | -0.1091% | 4,610 |
Net operating income to assets | 1.1291% | 1,439 |
Return on assets (ROA) | 1.1237% | 1,455 |
Pretax return on assets | 1.3677% | 1,334 |
Return on Equity (ROE) | 10.1663% | 1,903 |
Retained earnings to average equity (ytd only) | 10.1663% | 985 |
Net charge-offs to loans | -0.0229% | 3,983 |
Credit loss provision to net charge-offs | 601.8957% | 465 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.0285% | 3,024 |
Assets per employee ($millions) | 7.9360% | 1,409 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3171% | 2,271 |
Loan loss allowance to noncurrent loans | 151.4128% | 2,958 |
Noncurrent assets plus other real estate owned to assets | 0.6441% | 924 |
Noncurrent loans to loans | 0.8699% | 1,079 |
Net loans and leases to total assets | 72.1718% | 818 |
Net loans and leases to deposits | 84.2753% | 865 |
Net loans and leases to core deposits | 85.5924% | 1,156 |
Total domestic deposits to total assets | 85.6381% | 3,361 |
Equity capital to assets | 10.9056% | 1,381 |
Core capital (leverage) ratio | 9.8728% | 2,425 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1380% | 2,557 |
Memoranda: | ||
Average total assets | $25,473,951,000 | 87 |
Average earning assets | $23,447,322,500 | 86 |
Average equity | $2,815,704,000 | 82 |
Average total loans | $18,432,068,000 | 74 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0350% | 3,809 |
Cost of funding earning assets | 0.1384% | 4,079 |
Net interest margin | 2.8966% | 3,448 |
Noninterest income to average assets | 0.9325% | 1,133 |
Noninterest expense to average assets | 2.2831% | 2,842 |
Loan and lease loss provision to assets | -0.0565% | 4,387 |
Net operating income to assets | 1.1243% | 2,193 |
Return on assets (ROA) | 1.2250% | 1,885 |
Pretax return on assets | 1.4980% | 1,735 |
Return on Equity (ROE) | 10.4915% | 2,351 |
Retained earnings to average equity (ytd only) | -4.4113% | 4,696 |
Net charge-offs to loans | 0.0739% | 1,050 |
Credit loss provision to net charge-offs | -106.9023% | 3,372 |
Earnings coverage of net charge-offs (x) | 24.6749% | 1,740 |
Efficiency ratio | 63.3473% | 2,665 |
Assets per employee ($millions) | 8.1370% | 1,262 |
Cash dividends to net income (ytd only)* | 142.0468% | 87 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3561% | 2,108 |
Loan loss allowance to noncurrent loans | 163.6367% | 2,860 |
Noncurrent assets plus other real estate owned to assets | 0.6004% | 1,094 |
Noncurrent loans to loans | 0.8288% | 1,228 |
Net loans and leases to total assets | 70.6177% | 970 |
Net loans and leases to deposits | 82.6584% | 1,004 |
Net loans and leases to core deposits | 83.9247% | 1,337 |
Total domestic deposits to total assets | 85.4332% | 3,116 |
Equity capital to assets | 11.1989% | 1,664 |
Core capital (leverage) ratio | 9.4226% | 2,947 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9357% | 2,656 |
Memoranda: | ||
Average total assets | $25,860,133,800 | 87 |
Average earning assets | $23,819,904,200 | 86 |
Average equity | $3,019,566,400 | 77 |
Average total loans | $18,675,970,400 | 72 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0466% | 3,912 |
Cost of funding earning assets | 0.1505% | 4,104 |
Net interest margin | 2.8961% | 3,560 |
Noninterest income to average assets | 0.9100% | 1,234 |
Noninterest expense to average assets | 2.2431% | 2,915 |
Loan and lease loss provision to assets | -0.0494% | 4,455 |
Net operating income to assets | 1.1505% | 2,366 |
Return on assets (ROA) | 1.2881% | 1,912 |
Pretax return on assets | 1.5499% | 1,850 |
Return on Equity (ROE) | 10.9208% | 2,392 |
Retained earnings to average equity (ytd only) | 2.1961% | 4,139 |
Net charge-offs to loans | 0.0770% | 897 |
Credit loss provision to net charge-offs | -92.4199% | 3,218 |
Earnings coverage of net charge-offs (x) | 23.9298% | 1,653 |
Efficiency ratio | 62.6516% | 2,585 |
Assets per employee ($millions) | 8.2853% | 1,138 |
Cash dividends to net income (ytd only)* | 79.8907% | 393 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4006% | 2,013 |
Loan loss allowance to noncurrent loans | 170.8143% | 2,747 |
Noncurrent assets plus other real estate owned to assets | 0.5802% | 1,320 |
Noncurrent loans to loans | 0.8200% | 1,391 |
Net loans and leases to total assets | 68.8970% | 1,206 |
Net loans and leases to deposits | 81.2653% | 1,171 |
Net loans and leases to core deposits | 83.0949% | 1,490 |
Total domestic deposits to total assets | 84.7803% | 3,187 |
Equity capital to assets | 11.6651% | 1,562 |
Core capital (leverage) ratio | 10.0317% | 2,462 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1763% | 2,302 |
Memoranda: | ||
Average total assets | $25,913,219,500 | 86 |
Average earning assets | $23,860,667,500 | 84 |
Average equity | $3,056,390,250 | 74 |
Average total loans | $18,754,740,250 | 73 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0380% | 3,977 |
Cost of funding earning assets | 0.1703% | 4,039 |
Net interest margin | 2.8676% | 3,641 |
Noninterest income to average assets | 0.8786% | 1,332 |
Noninterest expense to average assets | 2.2938% | 2,784 |
Loan and lease loss provision to assets | -0.0697% | 4,564 |
Net operating income to assets | 1.0767% | 2,618 |
Return on assets (ROA) | 1.2867% | 1,979 |
Pretax return on assets | 1.5504% | 1,870 |
Return on Equity (ROE) | 10.8685% | 2,470 |
Retained earnings to average equity (ytd only) | 2.6858% | 3,945 |
Net charge-offs to loans | 0.1390% | 575 |
Credit loss provision to net charge-offs | -71.5591% | 3,019 |
Earnings coverage of net charge-offs (x) | 12.0484% | 1,733 |
Efficiency ratio | 65.0944% | 2,287 |
Assets per employee ($millions) | 8.1212% | 1,153 |
Cash dividends to net income (ytd only)* | 75.2885% | 571 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3678% | 2,115 |
Loan loss allowance to noncurrent loans | 165.8961% | 2,724 |
Noncurrent assets plus other real estate owned to assets | 0.6038% | 1,386 |
Noncurrent loans to loans | 0.8245% | 1,487 |
Net loans and leases to total assets | 70.9431% | 1,092 |
Net loans and leases to deposits | 84.0915% | 1,064 |
Net loans and leases to core deposits | 86.1980% | 1,402 |
Total domestic deposits to total assets | 84.3641% | 3,326 |
Equity capital to assets | 11.8463% | 1,438 |
Core capital (leverage) ratio | 10.1482% | 2,262 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3044% | 2,248 |
Memoranda: | ||
Average total assets | $25,807,230,333 | 85 |
Average earning assets | $23,774,947,667 | 84 |
Average equity | $3,055,225,333 | 73 |
Average total loans | $18,896,576,000 | 73 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1117% | 3,857 |
Cost of funding earning assets | 0.2043% | 3,870 |
Net interest margin | 2.9074% | 3,494 |
Noninterest income to average assets | 0.9545% | 1,211 |
Noninterest expense to average assets | 2.5052% | 2,164 |
Loan and lease loss provision to assets | -0.0854% | 4,702 |
Net operating income to assets | 1.0015% | 2,802 |
Return on assets (ROA) | 1.4275% | 1,573 |
Pretax return on assets | 1.7266% | 1,435 |
Return on Equity (ROE) | 12.0620% | 1,990 |
Retained earnings to average equity (ytd only) | 5.4990% | 3,062 |
Net charge-offs to loans | 0.1300% | 566 |
Credit loss provision to net charge-offs | -87.3504% | 2,815 |
Earnings coverage of net charge-offs (x) | 11.7326% | 1,442 |
Efficiency ratio | 68.9280% | 1,821 |
Assets per employee ($millions) | 8.0596% | 1,176 |
Cash dividends to net income (ytd only)* | 54.4105% | 1,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3968% | 1,971 |
Loan loss allowance to noncurrent loans | 174.4926% | 2,576 |
Noncurrent assets plus other real estate owned to assets | 0.6064% | 1,574 |
Noncurrent loans to loans | 0.8005% | 1,657 |
Net loans and leases to total assets | 72.9383% | 904 |
Net loans and leases to deposits | 86.4342% | 931 |
Net loans and leases to core deposits | 88.8676% | 1,299 |
Total domestic deposits to total assets | 84.3860% | 3,315 |
Equity capital to assets | 11.8452% | 1,363 |
Core capital (leverage) ratio | 10.0701% | 2,470 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2998% | 2,162 |
Memoranda: | ||
Average total assets | $25,749,451,000 | 85 |
Average earning assets | $23,712,639,000 | 85 |
Average equity | $3,047,394,000 | 74 |
Average total loans | $19,022,138,000 | 74 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3901% | 4,206 |
Cost of funding earning assets | 0.3916% | 3,633 |
Net interest margin | 2.9985% | 3,887 |
Noninterest income to average assets | 0.9216% | 1,213 |
Noninterest expense to average assets | 2.3124% | 3,376 |
Loan and lease loss provision to assets | 0.3235% | 1,130 |
Net operating income to assets | 0.8775% | 2,799 |
Return on assets (ROA) | 0.8820% | 2,911 |
Pretax return on assets | 1.0254% | 2,958 |
Return on Equity (ROE) | 7.4208% | 3,029 |
Retained earnings to average equity (ytd only) | 5.6708% | 1,958 |
Net charge-offs to loans | 0.0524% | 2,040 |
Credit loss provision to net charge-offs | 815.2653% | 886 |
Earnings coverage of net charge-offs (x) | 33.8372% | 1,509 |
Efficiency ratio | 63.2058% | 2,942 |
Assets per employee ($millions) | 7.9294% | 1,062 |
Cash dividends to net income (ytd only)* | 23.5828% | 3,105 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4607% | 1,729 |
Loan loss allowance to noncurrent loans | 188.6581% | 2,432 |
Noncurrent assets plus other real estate owned to assets | 0.5875% | 1,793 |
Noncurrent loans to loans | 0.7743% | 1,780 |
Net loans and leases to total assets | 72.7040% | 1,200 |
Net loans and leases to deposits | 88.9051% | 1,009 |
Net loans and leases to core deposits | 91.8065% | 1,397 |
Total domestic deposits to total assets | 81.7771% | 3,713 |
Equity capital to assets | 11.8253% | 1,664 |
Core capital (leverage) ratio | 10.1068% | 2,506 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1317% | 2,191 |
Memoranda: | ||
Average total assets | $24,037,739,800 | 84 |
Average earning assets | $21,912,224,600 | 83 |
Average equity | $2,857,076,200 | 78 |
Average total loans | $18,193,829,800 | 75 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4712% | 4,255 |
Cost of funding earning assets | 0.4419% | 3,574 |
Net interest margin | 3.0293% | 3,907 |
Noninterest income to average assets | 0.9558% | 1,107 |
Noninterest expense to average assets | 2.3123% | 3,390 |
Loan and lease loss provision to assets | 0.3974% | 893 |
Net operating income to assets | 0.8558% | 2,883 |
Return on assets (ROA) | 0.8638% | 2,983 |
Pretax return on assets | 1.0129% | 3,020 |
Return on Equity (ROE) | 7.2575% | 3,106 |
Retained earnings to average equity (ytd only) | 4.8851% | 2,608 |
Net charge-offs to loans | 0.0954% | 1,351 |
Credit loss provision to net charge-offs | 546.2733% | 1,223 |
Earnings coverage of net charge-offs (x) | 19.2425% | 1,941 |
Efficiency ratio | 62.2321% | 3,030 |
Assets per employee ($millions) | 7.5599% | 1,177 |
Cash dividends to net income (ytd only)* | 32.6896% | 2,248 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3941% | 1,759 |
Loan loss allowance to noncurrent loans | 187.7938% | 2,320 |
Noncurrent assets plus other real estate owned to assets | 0.5773% | 1,998 |
Noncurrent loans to loans | 0.7423% | 1,953 |
Net loans and leases to total assets | 74.3009% | 1,336 |
Net loans and leases to deposits | 90.7921% | 1,184 |
Net loans and leases to core deposits | 93.9008% | 1,647 |
Total domestic deposits to total assets | 81.8363% | 3,465 |
Equity capital to assets | 11.7104% | 1,869 |
Core capital (leverage) ratio | 10.1040% | 2,615 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0644% | 2,169 |
Memoranda: | ||
Average total assets | $23,608,492,500 | 82 |
Average earning assets | $21,480,073,500 | 83 |
Average equity | $2,809,952,250 | 79 |
Average total loans | $17,991,713,000 | 75 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6364% | 4,200 |
Cost of funding earning assets | 0.5141% | 3,444 |
Net interest margin | 3.1223% | 3,858 |
Noninterest income to average assets | 0.9237% | 1,116 |
Noninterest expense to average assets | 2.4107% | 3,235 |
Loan and lease loss provision to assets | 0.5426% | 622 |
Net operating income to assets | 0.6884% | 3,430 |
Return on assets (ROA) | 0.7038% | 3,489 |
Pretax return on assets | 0.8262% | 3,517 |
Return on Equity (ROE) | 5.8782% | 3,558 |
Retained earnings to average equity (ytd only) | 2.2486% | 3,661 |
Net charge-offs to loans | 0.1731% | 862 |
Credit loss provision to net charge-offs | 409.6726% | 1,387 |
Earnings coverage of net charge-offs (x) | 10.1885% | 2,170 |
Efficiency ratio | 64.0506% | 2,819 |
Assets per employee ($millions) | 7.0869% | 1,396 |
Cash dividends to net income (ytd only)* | 61.7475% | 1,188 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3645% | 1,715 |
Loan loss allowance to noncurrent loans | 183.4989% | 2,283 |
Noncurrent assets plus other real estate owned to assets | 0.5929% | 2,032 |
Noncurrent loans to loans | 0.7436% | 2,016 |
Net loans and leases to total assets | 75.7127% | 1,184 |
Net loans and leases to deposits | 92.8187% | 1,068 |
Net loans and leases to core deposits | 96.5755% | 1,531 |
Total domestic deposits to total assets | 81.5706% | 3,482 |
Equity capital to assets | 11.8245% | 1,769 |
Core capital (leverage) ratio | 10.2098% | 2,629 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8778% | 2,230 |
Memoranda: | ||
Average total assets | $23,010,874,667 | 83 |
Average earning assets | $20,904,020,333 | 83 |
Average equity | $2,755,073,000 | 80 |
Average total loans | $17,608,867,667 | 74 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9448% | 3,946 |
Cost of funding earning assets | 0.6577% | 3,128 |
Net interest margin | 3.2870% | 3,624 |
Noninterest income to average assets | 0.9767% | 902 |
Noninterest expense to average assets | 2.5561% | 3,112 |
Loan and lease loss provision to assets | 0.7235% | 359 |
Net operating income to assets | 0.5934% | 3,612 |
Return on assets (ROA) | 0.5858% | 3,702 |
Pretax return on assets | 0.6738% | 3,762 |
Return on Equity (ROE) | 4.8592% | 3,685 |
Retained earnings to average equity (ytd only) | -2.5908% | 4,307 |
Net charge-offs to loans | 0.2614% | 560 |
Credit loss provision to net charge-offs | 362.3280% | 1,063 |
Earnings coverage of net charge-offs (x) | 7.0355% | 1,950 |
Efficiency ratio | 64.4726% | 3,158 |
Assets per employee ($millions) | 6.5973% | 1,298 |
Cash dividends to net income (ytd only)* | 153.3178% | 444 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3920% | 1,731 |
Loan loss allowance to noncurrent loans | 170.4493% | 2,319 |
Noncurrent assets plus other real estate owned to assets | 0.6432% | 2,075 |
Noncurrent loans to loans | 0.8167% | 1,972 |
Net loans and leases to total assets | 74.1670% | 1,575 |
Net loans and leases to deposits | 96.6899% | 842 |
Net loans and leases to core deposits | 101.1783% | 1,385 |
Total domestic deposits to total assets | 76.7060% | 4,391 |
Equity capital to assets | 12.3509% | 1,832 |
Core capital (leverage) ratio | 10.8943% | 2,569 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4901% | 2,482 |
Memoranda: | ||
Average total assets | $22,270,107,000 | 84 |
Average earning assets | $20,218,096,500 | 84 |
Average equity | $2,684,561,000 | 82 |
Average total loans | $17,013,104,000 | 75 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2604% | 3,646 |
Cost of funding earning assets | 0.8402% | 2,487 |
Net interest margin | 3.4202% | 3,681 |
Noninterest income to average assets | 0.9849% | 1,007 |
Noninterest expense to average assets | 2.5980% | 3,178 |
Loan and lease loss provision to assets | 0.1458% | 1,468 |
Net operating income to assets | 1.1553% | 2,237 |
Return on assets (ROA) | 1.1633% | 2,299 |
Pretax return on assets | 1.3730% | 2,257 |
Return on Equity (ROE) | 9.9193% | 2,333 |
Retained earnings to average equity (ytd only) | 2.0460% | 3,977 |
Net charge-offs to loans | 0.0970% | 1,752 |
Credit loss provision to net charge-offs | 194.1342% | 1,361 |
Earnings coverage of net charge-offs (x) | 20.0715% | 1,957 |
Efficiency ratio | 63.1171% | 3,204 |
Assets per employee ($millions) | 10.3559% | 334 |
Cash dividends to net income (ytd only)* | 79.3737% | 824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0384% | 3,281 |
Loan loss allowance to noncurrent loans | 108.9784% | 3,135 |
Noncurrent assets plus other real estate owned to assets | 0.7717% | 1,676 |
Noncurrent loans to loans | 0.9529% | 1,607 |
Net loans and leases to total assets | 76.8852% | 1,278 |
Net loans and leases to deposits | 96.0473% | 935 |
Net loans and leases to core deposits | 100.2908% | 1,539 |
Total domestic deposits to total assets | 80.0493% | 3,971 |
Equity capital to assets | 11.7687% | 2,307 |
Core capital (leverage) ratio | 9.7807% | 3,751 |
Tier 1 risk-based capital ratio | 11.1878% | 4,784 |
Total risk-based capital ratio | 12.1535% | 4,798 |
Memoranda: | ||
Average total assets | $21,335,702,600 | 81 |
Average earning assets | $19,466,612,400 | 80 |
Average equity | $2,502,113,000 | 85 |
Average total loans | $16,519,863,800 | 72 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3169% | 3,605 |
Cost of funding earning assets | 0.8599% | 2,414 |
Net interest margin | 3.4569% | 3,712 |
Noninterest income to average assets | 0.9745% | 988 |
Noninterest expense to average assets | 2.6448% | 3,024 |
Loan and lease loss provision to assets | 0.0911% | 2,086 |
Net operating income to assets | 1.1774% | 2,269 |
Return on assets (ROA) | 1.1914% | 2,306 |
Pretax return on assets | 1.4116% | 2,263 |
Return on Equity (ROE) | 10.1682% | 2,366 |
Retained earnings to average equity (ytd only) | 0.4118% | 4,685 |
Net charge-offs to loans | 0.0723% | 1,792 |
Credit loss provision to net charge-offs | 162.8607% | 1,534 |
Earnings coverage of net charge-offs (x) | 26.5318% | 1,741 |
Efficiency ratio | 63.8573% | 3,032 |
Assets per employee ($millions) | 10.2153% | 330 |
Cash dividends to net income (ytd only)* | 95.9506% | 371 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9926% | 3,605 |
Loan loss allowance to noncurrent loans | 122.1814% | 2,983 |
Noncurrent assets plus other real estate owned to assets | 0.6663% | 2,022 |
Noncurrent loans to loans | 0.8124% | 1,940 |
Net loans and leases to total assets | 76.8485% | 1,340 |
Net loans and leases to deposits | 95.1211% | 1,110 |
Net loans and leases to core deposits | 99.6287% | 1,688 |
Total domestic deposits to total assets | 80.7902% | 3,808 |
Equity capital to assets | 11.7032% | 2,501 |
Core capital (leverage) ratio | 9.6621% | 4,010 |
Tier 1 risk-based capital ratio | 11.0066% | 4,904 |
Total risk-based capital ratio | 11.9470% | 4,937 |
Memoranda: | ||
Average total assets | $21,227,628,000 | 82 |
Average earning assets | $19,371,007,500 | 81 |
Average equity | $2,487,189,750 | 85 |
Average total loans | $16,421,833,000 | 73 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3755% | 3,396 |
Cost of funding earning assets | 0.8615% | 2,344 |
Net interest margin | 3.5140% | 3,556 |
Noninterest income to average assets | 1.0560% | 775 |
Noninterest expense to average assets | 2.7223% | 2,832 |
Loan and lease loss provision to assets | 0.0989% | 1,891 |
Net operating income to assets | 1.2205% | 2,068 |
Return on assets (ROA) | 1.2065% | 2,191 |
Pretax return on assets | 1.4371% | 2,077 |
Return on Equity (ROE) | 10.4788% | 2,185 |
Retained earnings to average equity (ytd only) | 0.2150% | 4,634 |
Net charge-offs to loans | 0.0185% | 2,504 |
Credit loss provision to net charge-offs | 685.0245% | 473 |
Earnings coverage of net charge-offs (x) | 107.3322% | 663 |
Efficiency ratio | 63.6613% | 3,188 |
Assets per employee ($millions) | 9.6945% | 369 |
Cash dividends to net income (ytd only)* | 97.9480% | 459 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0035% | 3,599 |
Loan loss allowance to noncurrent loans | 131.6614% | 2,855 |
Noncurrent assets plus other real estate owned to assets | 0.6304% | 2,146 |
Noncurrent loans to loans | 0.7622% | 2,076 |
Net loans and leases to total assets | 77.0122% | 1,386 |
Net loans and leases to deposits | 99.3414% | 724 |
Net loans and leases to core deposits | 104.2749% | 1,362 |
Total domestic deposits to total assets | 77.5228% | 4,481 |
Equity capital to assets | 11.4809% | 2,618 |
Core capital (leverage) ratio | 9.6875% | 3,945 |
Tier 1 risk-based capital ratio | 11.1439% | 4,851 |
Total risk-based capital ratio | 12.1149% | 4,887 |
Memoranda: | ||
Average total assets | $16,924,327,000 | 94 |
Average earning assets | $15,490,194,000 | 94 |
Average equity | $1,948,608,000 | 107 |
Average total loans | $13,211,546,000 | 84 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3702% | 3,340 |
Cost of funding earning assets | 0.8939% | 2,036 |
Net interest margin | 3.4763% | 3,659 |
Noninterest income to average assets | 1.1253% | 642 |
Noninterest expense to average assets | 2.8280% | 2,475 |
Loan and lease loss provision to assets | 0.0131% | 3,267 |
Net operating income to assets | 1.2548% | 1,868 |
Return on assets (ROA) | 1.2368% | 1,977 |
Pretax return on assets | 1.4598% | 1,887 |
Return on Equity (ROE) | 11.0751% | 1,920 |
Retained earnings to average equity (ytd only) | 6.8214% | 2,111 |
Net charge-offs to loans | 0.0910% | 1,208 |
Credit loss provision to net charge-offs | 17.7606% | 2,146 |
Earnings coverage of net charge-offs (x) | 20.1935% | 1,566 |
Efficiency ratio | 65.4044% | 3,024 |
Assets per employee ($millions) | 9.3469% | 421 |
Cash dividends to net income (ytd only)* | 38.4074% | 1,972 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8131% | 4,476 |
Loan loss allowance to noncurrent loans | 113.6408% | 3,172 |
Noncurrent assets plus other real estate owned to assets | 0.6109% | 2,240 |
Noncurrent loans to loans | 0.7155% | 2,234 |
Net loans and leases to total assets | 80.1767% | 814 |
Net loans and leases to deposits | 105.8779% | 323 |
Net loans and leases to core deposits | 111.7617% | 843 |
Total domestic deposits to total assets | 75.7256% | 4,793 |
Equity capital to assets | 11.2412% | 2,612 |
Core capital (leverage) ratio | 10.1195% | 3,466 |
Tier 1 risk-based capital ratio | 11.2497% | 4,863 |
Total risk-based capital ratio | 12.0689% | 4,962 |
Memoranda: | ||
Average total assets | $12,630,697,500 | 119 |
Average earning assets | $11,602,584,500 | 116 |
Average equity | $1,410,551,000 | 135 |
Average total loans | $10,242,755,500 | 108 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1242% | 3,669 |
Cost of funding earning assets | 0.6954% | 2,118 |
Net interest margin | 3.4288% | 3,915 |
Noninterest income to average assets | 1.2423% | 605 |
Noninterest expense to average assets | 2.9206% | 2,276 |
Loan and lease loss provision to assets | 0.3404% | 454 |
Net operating income to assets | 1.0445% | 2,829 |
Return on assets (ROA) | 1.0290% | 2,878 |
Pretax return on assets | 1.1285% | 3,176 |
Return on Equity (ROE) | 9.0476% | 2,971 |
Retained earnings to average equity (ytd only) | 0.6900% | 4,809 |
Net charge-offs to loans | 0.4734% | 387 |
Credit loss provision to net charge-offs | 88.6353% | 2,740 |
Earnings coverage of net charge-offs (x) | 3.8648% | 3,371 |
Efficiency ratio | 66.3047% | 2,827 |
Assets per employee ($millions) | 9.1939% | 436 |
Cash dividends to net income (ytd only)* | 92.3740% | 390 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8359% | 4,413 |
Loan loss allowance to noncurrent loans | 116.2784% | 3,173 |
Noncurrent assets plus other real estate owned to assets | 0.6175% | 2,194 |
Noncurrent loans to loans | 0.7189% | 2,187 |
Net loans and leases to total assets | 80.6772% | 840 |
Net loans and leases to deposits | 105.0347% | 419 |
Net loans and leases to core deposits | 114.8753% | 740 |
Total domestic deposits to total assets | 76.8100% | 4,660 |
Equity capital to assets | 11.0933% | 2,599 |
Core capital (leverage) ratio | 10.0477% | 3,527 |
Tier 1 risk-based capital ratio | 11.2534% | 4,836 |
Total risk-based capital ratio | 12.1099% | 4,924 |
Memoranda: | ||
Average total assets | $12,308,681,400 | 115 |
Average earning assets | $11,352,714,800 | 112 |
Average equity | $1,399,918,600 | 132 |
Average total loans | $9,984,096,600 | 106 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0922% | 3,663 |
Cost of funding earning assets | 0.6723% | 2,023 |
Net interest margin | 3.4199% | 3,946 |
Noninterest income to average assets | 1.2792% | 592 |
Noninterest expense to average assets | 2.9302% | 2,230 |
Loan and lease loss provision to assets | 0.4488% | 265 |
Net operating income to assets | 0.9470% | 3,315 |
Return on assets (ROA) | 0.9318% | 3,393 |
Pretax return on assets | 1.0357% | 3,621 |
Return on Equity (ROE) | 8.1259% | 3,498 |
Retained earnings to average equity (ytd only) | 4.5580% | 3,474 |
Net charge-offs to loans | 0.6315% | 229 |
Credit loss provision to net charge-offs | 86.6903% | 2,456 |
Earnings coverage of net charge-offs (x) | 2.8960% | 3,208 |
Efficiency ratio | 66.1504% | 2,847 |
Assets per employee ($millions) | 9.1155% | 434 |
Cash dividends to net income (ytd only)* | 43.9076% | 1,867 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8493% | 4,467 |
Loan loss allowance to noncurrent loans | 120.8810% | 3,135 |
Noncurrent assets plus other real estate owned to assets | 0.6056% | 2,365 |
Noncurrent loans to loans | 0.7026% | 2,317 |
Net loans and leases to total assets | 80.8453% | 894 |
Net loans and leases to deposits | 104.5162% | 520 |
Net loans and leases to core deposits | 113.8658% | 827 |
Total domestic deposits to total assets | 77.3520% | 4,583 |
Equity capital to assets | 11.4703% | 2,284 |
Core capital (leverage) ratio | 10.3129% | 3,276 |
Tier 1 risk-based capital ratio | 11.6045% | 4,730 |
Total risk-based capital ratio | 12.4843% | 4,828 |
Memoranda: | ||
Average total assets | $11,568,136,500 | 120 |
Average earning assets | $10,656,359,250 | 119 |
Average equity | $1,326,545,750 | 136 |
Average total loans | $9,484,966,250 | 106 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0084% | 3,761 |
Cost of funding earning assets | 0.6249% | 2,075 |
Net interest margin | 3.3835% | 4,004 |
Noninterest income to average assets | 1.2534% | 611 |
Noninterest expense to average assets | 3.0170% | 1,999 |
Loan and lease loss provision to assets | 0.5344% | 206 |
Net operating income to assets | 0.7596% | 3,996 |
Return on assets (ROA) | 0.7462% | 4,049 |
Pretax return on assets | 0.8090% | 4,219 |
Return on Equity (ROE) | 6.5074% | 4,062 |
Retained earnings to average equity (ytd only) | 3.7055% | 3,746 |
Net charge-offs to loans | 0.8893% | 151 |
Credit loss provision to net charge-offs | 73.1558% | 2,323 |
Earnings coverage of net charge-offs (x) | 1.8569% | 3,023 |
Efficiency ratio | 68.9836% | 2,489 |
Assets per employee ($millions) | 9.0083% | 445 |
Cash dividends to net income (ytd only)* | 43.0573% | 1,976 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8002% | 4,695 |
Loan loss allowance to noncurrent loans | 106.4642% | 3,362 |
Noncurrent assets plus other real estate owned to assets | 0.6471% | 2,289 |
Noncurrent loans to loans | 0.7516% | 2,237 |
Net loans and leases to total assets | 80.9243% | 869 |
Net loans and leases to deposits | 109.1099% | 308 |
Net loans and leases to core deposits | 116.8333% | 675 |
Total domestic deposits to total assets | 74.1678% | 5,029 |
Equity capital to assets | 11.4350% | 2,242 |
Core capital (leverage) ratio | 10.2677% | 3,268 |
Tier 1 risk-based capital ratio | 11.5231% | 4,776 |
Total risk-based capital ratio | 12.3924% | 4,881 |
Memoranda: | ||
Average total assets | $11,516,674,000 | 120 |
Average earning assets | $10,619,874,670 | 118 |
Average equity | $1,320,524,330 | 134 |
Average total loans | $9,460,526,330 | 106 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9204% | 3,871 |
Cost of funding earning assets | 0.5800% | 2,172 |
Net interest margin | 3.3404% | 4,075 |
Noninterest income to average assets | 1.2287% | 613 |
Noninterest expense to average assets | 3.2102% | 1,544 |
Loan and lease loss provision to assets | -0.0509% | 5,466 |
Net operating income to assets | 1.0227% | 2,766 |
Return on assets (ROA) | 1.0054% | 2,853 |
Pretax return on assets | 1.1366% | 3,019 |
Return on Equity (ROE) | 8.7565% | 3,024 |
Retained earnings to average equity (ytd only) | 3.1350% | 3,951 |
Net charge-offs to loans | 0.1331% | 1,009 |
Credit loss provision to net charge-offs | -46.3593% | 3,619 |
Earnings coverage of net charge-offs (x) | 10.0521% | 1,925 |
Efficiency ratio | 74.4273% | 1,837 |
Assets per employee ($millions) | 8.8689% | 465 |
Cash dividends to net income (ytd only)* | 64.1982% | 1,148 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8758% | 4,549 |
Loan loss allowance to noncurrent loans | 102.2165% | 3,426 |
Noncurrent assets plus other real estate owned to assets | 0.7496% | 2,076 |
Noncurrent loans to loans | 0.8569% | 2,108 |
Net loans and leases to total assets | 81.9757% | 668 |
Net loans and leases to deposits | 110.6860% | 235 |
Net loans and leases to core deposits | 118.1587% | 643 |
Total domestic deposits to total assets | 74.0615% | 5,148 |
Equity capital to assets | 11.5543% | 2,088 |
Core capital (leverage) ratio | 10.2649% | 3,225 |
Tier 1 risk-based capital ratio | 11.4556% | 4,881 |
Total risk-based capital ratio | 12.3924% | 4,957 |
Memoranda: | ||
Average total assets | $11,464,634,000 | 119 |
Average earning assets | $10,586,316,000 | 117 |
Average equity | $1,316,368,000 | 132 |
Average total loans | $9,450,850,000 | 106 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7323% | 4,264 |
Cost of funding earning assets | 0.5057% | 2,280 |
Net interest margin | 3.2266% | 4,371 |
Noninterest income to average assets | 1.3343% | 590 |
Noninterest expense to average assets | 2.7892% | 2,811 |
Loan and lease loss provision to assets | 0.0846% | 2,514 |
Net operating income to assets | 1.0569% | 2,031 |
Return on assets (ROA) | 1.0311% | 2,153 |
Pretax return on assets | 1.3968% | 2,002 |
Return on Equity (ROE) | 9.1212% | 2,257 |
Retained earnings to average equity (ytd only) | 7.3849% | 958 |
Net charge-offs to loans | 0.1421% | 1,654 |
Credit loss provision to net charge-offs | 73.5308% | 3,038 |
Earnings coverage of net charge-offs (x) | 13.1287% | 2,421 |
Efficiency ratio | 64.8665% | 3,469 |
Assets per employee ($millions) | 9.0595% | 442 |
Cash dividends to net income (ytd only)* | 19.0359% | 3,704 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9197% | 4,373 |
Loan loss allowance to noncurrent loans | 105.6925% | 3,418 |
Noncurrent assets plus other real estate owned to assets | 0.7528% | 2,074 |
Noncurrent loans to loans | 0.8701% | 2,049 |
Net loans and leases to total assets | 81.4170% | 756 |
Net loans and leases to deposits | 108.5156% | 306 |
Net loans and leases to core deposits | 114.7246% | 767 |
Total domestic deposits to total assets | 75.0279% | 5,090 |
Equity capital to assets | 11.4105% | 2,270 |
Core capital (leverage) ratio | 9.9755% | 3,489 |
Tier 1 risk-based capital ratio | 11.3496% | 4,948 |
Total risk-based capital ratio | 12.2668% | 5,018 |
Memoranda: | ||
Average total assets | $11,208,976,400 | 115 |
Average earning assets | $10,302,111,000 | 113 |
Average equity | $1,267,058,800 | 126 |
Average total loans | $9,079,506,400 | 105 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6878% | 4,355 |
Cost of funding earning assets | 0.4849% | 2,391 |
Net interest margin | 3.2030% | 4,440 |
Noninterest income to average assets | 1.3069% | 626 |
Noninterest expense to average assets | 2.7497% | 2,900 |
Loan and lease loss provision to assets | 0.0838% | 2,417 |
Net operating income to assets | 1.0843% | 2,155 |
Return on assets (ROA) | 1.0671% | 2,289 |
Pretax return on assets | 1.3973% | 2,129 |
Return on Equity (ROE) | 9.4632% | 2,371 |
Retained earnings to average equity (ytd only) | 7.8694% | 1,274 |
Net charge-offs to loans | 0.1180% | 1,611 |
Credit loss provision to net charge-offs | 88.0473% | 2,483 |
Earnings coverage of net charge-offs (x) | 15.7387% | 2,206 |
Efficiency ratio | 64.7223% | 3,418 |
Assets per employee ($millions) | 9.1731% | 407 |
Cash dividends to net income (ytd only)* | 16.8420% | 3,263 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9705% | 4,234 |
Loan loss allowance to noncurrent loans | 105.5349% | 3,437 |
Noncurrent assets plus other real estate owned to assets | 0.7717% | 2,208 |
Noncurrent loans to loans | 0.9196% | 2,084 |
Net loans and leases to total assets | 78.4902% | 1,198 |
Net loans and leases to deposits | 102.2589% | 598 |
Net loans and leases to core deposits | 108.1216% | 1,129 |
Total domestic deposits to total assets | 76.7563% | 4,932 |
Equity capital to assets | 11.1350% | 2,731 |
Core capital (leverage) ratio | 9.9226% | 3,665 |
Tier 1 risk-based capital ratio | 11.3135% | 5,065 |
Total risk-based capital ratio | 12.2306% | 5,148 |
Memoranda: | ||
Average total assets | $11,128,042,250 | 114 |
Average earning assets | $10,220,014,250 | 112 |
Average equity | $1,254,838,000 | 128 |
Average total loans | $8,980,197,000 | 105 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6547% | 4,349 |
Cost of funding earning assets | 0.4527% | 2,574 |
Net interest margin | 3.2020% | 4,414 |
Noninterest income to average assets | 1.3180% | 604 |
Noninterest expense to average assets | 2.7553% | 2,906 |
Loan and lease loss provision to assets | 0.1069% | 1,898 |
Net operating income to assets | 1.0612% | 2,161 |
Return on assets (ROA) | 1.0467% | 2,263 |
Pretax return on assets | 1.3769% | 2,111 |
Return on Equity (ROE) | 9.2415% | 2,393 |
Retained earnings to average equity (ytd only) | 6.8235% | 1,680 |
Net charge-offs to loans | 0.1637% | 1,186 |
Credit loss provision to net charge-offs | 80.4258% | 2,256 |
Earnings coverage of net charge-offs (x) | 11.2692% | 2,289 |
Efficiency ratio | 64.7817% | 3,538 |
Assets per employee ($millions) | 8.7507% | 456 |
Cash dividends to net income (ytd only)* | 26.1643% | 2,893 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9749% | 4,294 |
Loan loss allowance to noncurrent loans | 113.0152% | 3,345 |
Noncurrent assets plus other real estate owned to assets | 0.7510% | 2,320 |
Noncurrent loans to loans | 0.8626% | 2,257 |
Net loans and leases to total assets | 80.3990% | 887 |
Net loans and leases to deposits | 107.3937% | 341 |
Net loans and leases to core deposits | 111.3668% | 932 |
Total domestic deposits to total assets | 74.8638% | 5,214 |
Equity capital to assets | 11.2241% | 2,567 |
Core capital (leverage) ratio | 10.1020% | 3,403 |
Tier 1 risk-based capital ratio | 11.0559% | 5,225 |
Total risk-based capital ratio | 11.9748% | 5,301 |
Memoranda: | ||
Average total assets | $10,954,108,330 | 113 |
Average earning assets | $10,041,270,000 | 113 |
Average equity | $1,240,713,330 | 127 |
Average total loans | $8,895,730,670 | 105 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6468% | 4,290 |
Cost of funding earning assets | 0.4352% | 2,659 |
Net interest margin | 3.2116% | 4,301 |
Noninterest income to average assets | 1.2814% | 622 |
Noninterest expense to average assets | 2.7266% | 3,045 |
Loan and lease loss provision to assets | 0.1004% | 1,885 |
Net operating income to assets | 1.0703% | 1,980 |
Return on assets (ROA) | 1.0554% | 2,095 |
Pretax return on assets | 1.3817% | 1,943 |
Return on Equity (ROE) | 9.2743% | 2,283 |
Retained earnings to average equity (ytd only) | 9.2743% | 990 |
Net charge-offs to loans | 0.1115% | 1,278 |
Credit loss provision to net charge-offs | 110.8340% | 1,472 |
Earnings coverage of net charge-offs (x) | 16.5225% | 1,638 |
Efficiency ratio | 64.5591% | 3,738 |
Assets per employee ($millions) | 8.6799% | 474 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0282% | 4,109 |
Loan loss allowance to noncurrent loans | 127.9550% | 3,155 |
Noncurrent assets plus other real estate owned to assets | 0.7115% | 2,513 |
Noncurrent loans to loans | 0.8035% | 2,443 |
Net loans and leases to total assets | 80.5241% | 764 |
Net loans and leases to deposits | 103.4821% | 421 |
Net loans and leases to core deposits | 107.7884% | 986 |
Total domestic deposits to total assets | 77.8146% | 4,989 |
Equity capital to assets | 11.4619% | 2,208 |
Core capital (leverage) ratio | 10.1175% | 3,354 |
Tier 1 risk-based capital ratio | 11.3972% | 5,091 |
Total risk-based capital ratio | 12.3726% | 5,141 |
Memoranda: | ||
Average total assets | $10,800,090,000 | 114 |
Average earning assets | $9,893,598,000 | 113 |
Average equity | $1,229,035,500 | 128 |
Average total loans | $8,771,697,000 | 105 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5665% | 4,600 |
Cost of funding earning assets | 0.4360% | 2,648 |
Net interest margin | 3.1305% | 4,642 |
Noninterest income to average assets | 1.3646% | 617 |
Noninterest expense to average assets | 2.7293% | 3,255 |
Loan and lease loss provision to assets | 0.0969% | 2,431 |
Net operating income to assets | 1.0793% | 1,990 |
Return on assets (ROA) | 1.0662% | 2,160 |
Pretax return on assets | 1.3876% | 1,992 |
Return on Equity (ROE) | 9.1087% | 2,365 |
Retained earnings to average equity (ytd only) | 4.0941% | 2,997 |
Net charge-offs to loans | 0.0740% | 2,642 |
Credit loss provision to net charge-offs | 162.4025% | 1,702 |
Earnings coverage of net charge-offs (x) | 25.0808% | 1,601 |
Efficiency ratio | 64.5787% | 3,839 |
Assets per employee ($millions) | 8.6556% | 479 |
Cash dividends to net income (ytd only)* | 55.0526% | 2,037 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0400% | 4,075 |
Loan loss allowance to noncurrent loans | 122.5452% | 3,215 |
Noncurrent assets plus other real estate owned to assets | 0.7489% | 2,488 |
Noncurrent loans to loans | 0.8486% | 2,408 |
Net loans and leases to total assets | 80.2322% | 867 |
Net loans and leases to deposits | 103.6652% | 441 |
Net loans and leases to core deposits | 107.8138% | 1,032 |
Total domestic deposits to total assets | 77.3955% | 5,064 |
Equity capital to assets | 11.2970% | 2,330 |
Core capital (leverage) ratio | 10.0983% | 3,375 |
Tier 1 risk-based capital ratio | 11.2415% | 5,196 |
Total risk-based capital ratio | 12.2279% | 5,248 |
Memoranda: | ||
Average total assets | $10,306,982,400 | 110 |
Average earning assets | $9,421,819,400 | 113 |
Average equity | $1,206,458,800 | 124 |
Average total loans | $8,318,758,000 | 102 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5753% | 4,621 |
Cost of funding earning assets | 0.4378% | 2,662 |
Net interest margin | 3.1375% | 4,678 |
Noninterest income to average assets | 1.3426% | 652 |
Noninterest expense to average assets | 2.7237% | 3,280 |
Loan and lease loss provision to assets | 0.0847% | 2,526 |
Net operating income to assets | 1.0725% | 2,106 |
Return on assets (ROA) | 1.0585% | 2,283 |
Pretax return on assets | 1.3880% | 2,077 |
Return on Equity (ROE) | 8.9609% | 2,508 |
Retained earnings to average equity (ytd only) | 4.4786% | 3,151 |
Net charge-offs to loans | 0.1044% | 1,903 |
Credit loss provision to net charge-offs | 100.6835% | 2,337 |
Earnings coverage of net charge-offs (x) | 17.6620% | 2,042 |
Efficiency ratio | 64.6951% | 3,818 |
Assets per employee ($millions) | 8.5337% | 477 |
Cash dividends to net income (ytd only)* | 50.0210% | 1,879 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0291% | 4,254 |
Loan loss allowance to noncurrent loans | 108.1340% | 3,451 |
Noncurrent assets plus other real estate owned to assets | 0.8232% | 2,485 |
Noncurrent loans to loans | 0.9517% | 2,341 |
Net loans and leases to total assets | 79.0491% | 1,031 |
Net loans and leases to deposits | 100.8663% | 647 |
Net loans and leases to core deposits | 105.5661% | 1,223 |
Total domestic deposits to total assets | 78.3702% | 4,841 |
Equity capital to assets | 11.6050% | 2,429 |
Core capital (leverage) ratio | 10.1272% | 3,404 |
Tier 1 risk-based capital ratio | 11.5083% | 5,082 |
Total risk-based capital ratio | 12.4847% | 5,142 |
Memoranda: | ||
Average total assets | $10,198,333,750 | 110 |
Average earning assets | $9,320,570,750 | 110 |
Average equity | $1,204,705,000 | 124 |
Average total loans | $8,221,256,000 | 102 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5915% | 4,616 |
Cost of funding earning assets | 0.4362% | 2,688 |
Net interest margin | 3.1552% | 4,678 |
Noninterest income to average assets | 1.3440% | 631 |
Noninterest expense to average assets | 2.7648% | 3,150 |
Loan and lease loss provision to assets | 0.0779% | 2,588 |
Net operating income to assets | 1.0622% | 2,110 |
Return on assets (ROA) | 1.0487% | 2,311 |
Pretax return on assets | 1.3742% | 2,120 |
Return on Equity (ROE) | 8.8234% | 2,575 |
Retained earnings to average equity (ytd only) | 5.4008% | 2,486 |
Net charge-offs to loans | 0.1393% | 1,491 |
Credit loss provision to net charge-offs | 69.1088% | 2,485 |
Earnings coverage of net charge-offs (x) | 13.0030% | 2,154 |
Efficiency ratio | 65.3642% | 3,781 |
Assets per employee ($millions) | 8.4589% | 485 |
Cash dividends to net income (ytd only)* | 38.7898% | 2,481 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0233% | 4,386 |
Loan loss allowance to noncurrent loans | 128.6733% | 3,175 |
Noncurrent assets plus other real estate owned to assets | 0.7052% | 2,866 |
Noncurrent loans to loans | 0.7952% | 2,757 |
Net loans and leases to total assets | 78.7398% | 1,107 |
Net loans and leases to deposits | 104.1284% | 456 |
Net loans and leases to core deposits | 108.8033% | 995 |
Total domestic deposits to total assets | 75.6180% | 5,338 |
Equity capital to assets | 11.6897% | 2,365 |
Core capital (leverage) ratio | 10.4162% | 3,057 |
Tier 1 risk-based capital ratio | 11.4624% | 5,184 |
Total risk-based capital ratio | 12.4219% | 5,249 |
Memoranda: | ||
Average total assets | $10,079,032,670 | 111 |
Average earning assets | $9,218,670,000 | 111 |
Average equity | $1,197,922,670 | 123 |
Average total loans | $8,151,213,330 | 103 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6692% | 4,424 |
Cost of funding earning assets | 0.4426% | 2,659 |
Net interest margin | 3.2266% | 4,491 |
Noninterest income to average assets | 1.3216% | 627 |
Noninterest expense to average assets | 2.8218% | 2,988 |
Loan and lease loss provision to assets | 0.0879% | 2,215 |
Net operating income to assets | 1.0384% | 2,126 |
Return on assets (ROA) | 1.0263% | 2,293 |
Pretax return on assets | 1.3541% | 2,073 |
Return on Equity (ROE) | 8.5606% | 2,629 |
Retained earnings to average equity (ytd only) | 5.1901% | 2,825 |
Net charge-offs to loans | 0.2340% | 877 |
Credit loss provision to net charge-offs | 46.0627% | 2,087 |
Earnings coverage of net charge-offs (x) | 7.6128% | 2,138 |
Efficiency ratio | 66.0082% | 3,801 |
Assets per employee ($millions) | 8.0973% | 546 |
Cash dividends to net income (ytd only)* | 39.3716% | 2,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0436% | 4,367 |
Loan loss allowance to noncurrent loans | 124.2219% | 3,159 |
Noncurrent assets plus other real estate owned to assets | 0.7529% | 2,821 |
Noncurrent loans to loans | 0.8401% | 2,744 |
Net loans and leases to total assets | 80.2083% | 786 |
Net loans and leases to deposits | 100.6709% | 586 |
Net loans and leases to core deposits | 104.7757% | 1,147 |
Total domestic deposits to total assets | 79.6738% | 4,824 |
Equity capital to assets | 12.0317% | 2,016 |
Core capital (leverage) ratio | 10.3632% | 3,112 |
Tier 1 risk-based capital ratio | 11.3320% | 5,327 |
Total risk-based capital ratio | 12.2856% | 5,394 |
Memoranda: | ||
Average total assets | $9,899,433,000 | 114 |
Average earning assets | $9,061,190,500 | 111 |
Average equity | $1,186,787,500 | 125 |
Average total loans | $8,074,814,500 | 103 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6697% | 4,458 |
Cost of funding earning assets | 0.4520% | 2,605 |
Net interest margin | 3.2177% | 4,564 |
Noninterest income to average assets | 1.3331% | 676 |
Noninterest expense to average assets | 2.7733% | 3,340 |
Loan and lease loss provision to assets | 0.1304% | 1,835 |
Net operating income to assets | 1.0271% | 2,218 |
Return on assets (ROA) | 1.0312% | 2,291 |
Pretax return on assets | 1.3868% | 1,949 |
Return on Equity (ROE) | 8.6464% | 2,649 |
Retained earnings to average equity (ytd only) | 1.9141% | 4,635 |
Net charge-offs to loans | 0.1620% | 1,750 |
Credit loss provision to net charge-offs | 99.5694% | 2,564 |
Earnings coverage of net charge-offs (x) | 11.5052% | 2,568 |
Efficiency ratio | 64.7873% | 4,117 |
Assets per employee ($millions) | 8.0914% | 536 |
Cash dividends to net income (ytd only)* | 77.8621% | 941 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0729% | 4,194 |
Loan loss allowance to noncurrent loans | 115.5636% | 3,351 |
Noncurrent assets plus other real estate owned to assets | 0.8256% | 2,609 |
Noncurrent loans to loans | 0.9284% | 2,481 |
Net loans and leases to total assets | 81.2074% | 670 |
Net loans and leases to deposits | 103.8969% | 445 |
Net loans and leases to core deposits | 107.3251% | 1,017 |
Total domestic deposits to total assets | 78.1616% | 5,135 |
Equity capital to assets | 11.9447% | 1,998 |
Core capital (leverage) ratio | 10.2159% | 3,249 |
Tier 1 risk-based capital ratio | 11.1997% | 5,425 |
Total risk-based capital ratio | 12.1859% | 5,463 |
Memoranda: | ||
Average total assets | $9,752,579,000 | 112 |
Average earning assets | $8,932,458,200 | 108 |
Average equity | $1,163,089,800 | 120 |
Average total loans | $7,886,850,000 | 102 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6692% | 4,523 |
Cost of funding earning assets | 0.4598% | 2,591 |
Net interest margin | 3.2094% | 4,642 |
Noninterest income to average assets | 1.3164% | 702 |
Noninterest expense to average assets | 2.7847% | 3,254 |
Loan and lease loss provision to assets | 0.1377% | 1,622 |
Net operating income to assets | 0.9954% | 2,494 |
Return on assets (ROA) | 1.0043% | 2,541 |
Pretax return on assets | 1.3496% | 2,213 |
Return on Equity (ROE) | 8.4247% | 2,857 |
Retained earnings to average equity (ytd only) | 0.5730% | 5,448 |
Net charge-offs to loans | 0.2201% | 1,185 |
Credit loss provision to net charge-offs | 77.6275% | 2,650 |
Earnings coverage of net charge-offs (x) | 8.2920% | 2,829 |
Efficiency ratio | 65.4378% | 3,983 |
Assets per employee ($millions) | 8.2195% | 495 |
Cash dividends to net income (ytd only)* | 93.1991% | 476 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0460% | 4,494 |
Loan loss allowance to noncurrent loans | 116.6396% | 3,344 |
Noncurrent assets plus other real estate owned to assets | 0.7765% | 2,951 |
Noncurrent loans to loans | 0.8968% | 2,734 |
Net loans and leases to total assets | 79.1361% | 938 |
Net loans and leases to deposits | 102.8743% | 504 |
Net loans and leases to core deposits | 106.7662% | 1,046 |
Total domestic deposits to total assets | 76.9251% | 5,355 |
Equity capital to assets | 11.5989% | 2,420 |
Core capital (leverage) ratio | 10.2422% | 3,316 |
Tier 1 risk-based capital ratio | 11.1983% | 5,549 |
Total risk-based capital ratio | 12.1693% | 5,613 |
Memoranda: | ||
Average total assets | $9,728,900,500 | 115 |
Average earning assets | $8,908,481,750 | 112 |
Average equity | $1,159,804,750 | 122 |
Average total loans | $7,837,697,500 | 104 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6998% | 4,409 |
Cost of funding earning assets | 0.4707% | 2,509 |
Net interest margin | 3.2291% | 4,566 |
Noninterest income to average assets | 1.3239% | 700 |
Noninterest expense to average assets | 2.8005% | 3,236 |
Loan and lease loss provision to assets | 0.1284% | 1,729 |
Net operating income to assets | 1.0053% | 2,368 |
Return on assets (ROA) | 1.0262% | 2,372 |
Pretax return on assets | 1.3823% | 2,058 |
Return on Equity (ROE) | 8.5285% | 2,785 |
Retained earnings to average equity (ytd only) | 0.1916% | 5,444 |
Net charge-offs to loans | 0.3131% | 845 |
Credit loss provision to net charge-offs | 50.7556% | 2,696 |
Earnings coverage of net charge-offs (x) | 5.8435% | 2,874 |
Efficiency ratio | 65.4532% | 4,105 |
Assets per employee ($millions) | 7.9094% | 547 |
Cash dividends to net income (ytd only)* | 97.7535% | 561 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0321% | 4,703 |
Loan loss allowance to noncurrent loans | 111.2677% | 3,461 |
Noncurrent assets plus other real estate owned to assets | 0.8197% | 2,925 |
Noncurrent loans to loans | 0.9276% | 2,813 |
Net loans and leases to total assets | 80.2175% | 771 |
Net loans and leases to deposits | 103.6652% | 470 |
Net loans and leases to core deposits | 107.6058% | 982 |
Total domestic deposits to total assets | 77.3813% | 5,393 |
Equity capital to assets | 11.9725% | 2,049 |
Core capital (leverage) ratio | 10.4124% | 3,071 |
Tier 1 risk-based capital ratio | 11.4786% | 5,477 |
Total risk-based capital ratio | 12.4394% | 5,547 |
Memoranda: | ||
Average total assets | $9,629,260,330 | 119 |
Average earning assets | $8,810,297,670 | 117 |
Average equity | $1,158,702,000 | 124 |
Average total loans | $7,777,091,000 | 107 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7337% | 4,251 |
Cost of funding earning assets | 0.4909% | 2,371 |
Net interest margin | 3.2428% | 4,444 |
Noninterest income to average assets | 1.2781% | 700 |
Noninterest expense to average assets | 2.8081% | 3,227 |
Loan and lease loss provision to assets | 0.0684% | 2,574 |
Net operating income to assets | 1.0194% | 2,165 |
Return on assets (ROA) | 1.0715% | 2,088 |
Pretax return on assets | 1.4474% | 1,729 |
Return on Equity (ROE) | 8.8819% | 2,506 |
Retained earnings to average equity (ytd only) | 0.8469% | 5,122 |
Net charge-offs to loans | 0.1101% | 1,640 |
Credit loss provision to net charge-offs | 77.1214% | 1,857 |
Earnings coverage of net charge-offs (x) | 16.2311% | 1,583 |
Efficiency ratio | 66.0935% | 4,141 |
Assets per employee ($millions) | 7.9765% | 555 |
Cash dividends to net income (ytd only)* | 90.4644% | 821 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1104% | 4,457 |
Loan loss allowance to noncurrent loans | 111.8263% | 3,425 |
Noncurrent assets plus other real estate owned to assets | 0.8744% | 2,890 |
Noncurrent loans to loans | 0.9930% | 2,782 |
Net loans and leases to total assets | 78.9738% | 793 |
Net loans and leases to deposits | 105.1181% | 340 |
Net loans and leases to core deposits | 107.9941% | 823 |
Total domestic deposits to total assets | 75.1286% | 5,817 |
Equity capital to assets | 11.9481% | 2,065 |
Core capital (leverage) ratio | 10.4740% | 3,003 |
Tier 1 risk-based capital ratio | 12.0017% | 5,236 |
Total risk-based capital ratio | 13.0722% | 5,254 |
Memoranda: | ||
Average total assets | $9,615,211,500 | 117 |
Average earning assets | $8,806,948,000 | 115 |
Average equity | $1,159,937,500 | 120 |
Average total loans | $7,751,799,500 | 106 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8616% | 4,278 |
Cost of funding earning assets | 0.4810% | 2,871 |
Net interest margin | 3.3806% | 4,276 |
Noninterest income to average assets | 1.3306% | 697 |
Noninterest expense to average assets | 2.7302% | 3,751 |
Loan and lease loss provision to assets | 0.0875% | 2,722 |
Net operating income to assets | 1.1598% | 1,721 |
Return on assets (ROA) | 1.1508% | 1,837 |
Pretax return on assets | 1.5724% | 1,312 |
Return on Equity (ROE) | 9.6169% | 2,292 |
Retained earnings to average equity (ytd only) | 2.3602% | 4,550 |
Net charge-offs to loans | 0.2286% | 1,840 |
Credit loss provision to net charge-offs | 48.2659% | 3,519 |
Earnings coverage of net charge-offs (x) | 9.1935% | 2,780 |
Efficiency ratio | 62.0818% | 4,905 |
Assets per employee ($millions) | 7.2623% | 730 |
Cash dividends to net income (ytd only)* | 75.4580% | 1,074 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1223% | 4,436 |
Loan loss allowance to noncurrent loans | 130.7262% | 3,111 |
Noncurrent assets plus other real estate owned to assets | 0.8016% | 3,203 |
Noncurrent loans to loans | 0.8585% | 3,167 |
Net loans and leases to total assets | 80.4848% | 669 |
Net loans and leases to deposits | 105.5257% | 378 |
Net loans and leases to core deposits | 108.2795% | 875 |
Total domestic deposits to total assets | 76.2703% | 5,694 |
Equity capital to assets | 12.1818% | 1,881 |
Core capital (leverage) ratio | 10.4750% | 2,977 |
Tier 1 risk-based capital ratio | 12.1474% | 5,265 |
Total risk-based capital ratio | 13.2396% | 5,273 |
Memoranda: | ||
Average total assets | $9,558,119,400 | 116 |
Average earning assets | $8,669,707,400 | 113 |
Average equity | $1,143,763,200 | 117 |
Average total loans | $7,581,552,000 | 103 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8560% | 4,344 |
Cost of funding earning assets | 0.4744% | 3,012 |
Net interest margin | 3.3817% | 4,305 |
Noninterest income to average assets | 1.3275% | 688 |
Noninterest expense to average assets | 2.7019% | 3,814 |
Loan and lease loss provision to assets | 0.1040% | 2,309 |
Net operating income to assets | 1.1590% | 1,828 |
Return on assets (ROA) | 1.1520% | 1,919 |
Pretax return on assets | 1.5777% | 1,399 |
Return on Equity (ROE) | 9.6698% | 2,364 |
Retained earnings to average equity (ytd only) | 3.2396% | 4,323 |
Net charge-offs to loans | 0.2062% | 1,816 |
Credit loss provision to net charge-offs | 63.9643% | 2,875 |
Earnings coverage of net charge-offs (x) | 10.3730% | 2,551 |
Efficiency ratio | 61.5673% | 4,948 |
Assets per employee ($millions) | 7.3027% | 700 |
Cash dividends to net income (ytd only)* | 66.4982% | 1,143 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1977% | 4,240 |
Loan loss allowance to noncurrent loans | 136.2527% | 2,948 |
Noncurrent assets plus other real estate owned to assets | 0.8029% | 3,413 |
Noncurrent loans to loans | 0.8790% | 3,372 |
Net loans and leases to total assets | 78.4567% | 909 |
Net loans and leases to deposits | 103.3869% | 433 |
Net loans and leases to core deposits | 106.1208% | 951 |
Total domestic deposits to total assets | 75.8865% | 5,834 |
Equity capital to assets | 11.9969% | 2,062 |
Core capital (leverage) ratio | 10.5169% | 3,023 |
Tier 1 risk-based capital ratio | 12.2099% | 5,358 |
Total risk-based capital ratio | 13.3652% | 5,333 |
Memoranda: | ||
Average total assets | $9,572,873,250 | 116 |
Average earning assets | $8,662,838,750 | 114 |
Average equity | $1,140,412,500 | 114 |
Average total loans | $7,543,912,000 | 104 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8420% | 4,362 |
Cost of funding earning assets | 0.4686% | 3,121 |
Net interest margin | 3.3734% | 4,296 |
Noninterest income to average assets | 1.3298% | 682 |
Noninterest expense to average assets | 2.6934% | 3,891 |
Loan and lease loss provision to assets | 0.1028% | 2,301 |
Net operating income to assets | 1.1611% | 1,718 |
Return on assets (ROA) | 1.1582% | 1,803 |
Pretax return on assets | 1.5848% | 1,291 |
Return on Equity (ROE) | 9.7456% | 2,264 |
Retained earnings to average equity (ytd only) | 4.4623% | 3,330 |
Net charge-offs to loans | 0.2764% | 1,432 |
Credit loss provision to net charge-offs | 47.3025% | 2,831 |
Earnings coverage of net charge-offs (x) | 7.7603% | 2,582 |
Efficiency ratio | 61.4917% | 5,075 |
Assets per employee ($millions) | 7.1827% | 736 |
Cash dividends to net income (ytd only)* | 54.2123% | 1,746 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1998% | 4,426 |
Loan loss allowance to noncurrent loans | 130.5594% | 3,002 |
Noncurrent assets plus other real estate owned to assets | 0.8263% | 3,493 |
Noncurrent loans to loans | 0.9189% | 3,426 |
Net loans and leases to total assets | 77.5868% | 963 |
Net loans and leases to deposits | 108.1515% | 245 |
Net loans and leases to core deposits | 111.1721% | 641 |
Total domestic deposits to total assets | 71.7390% | 6,269 |
Equity capital to assets | 12.0289% | 1,958 |
Core capital (leverage) ratio | 10.5379% | 2,899 |
Tier 1 risk-based capital ratio | 12.3510% | 5,334 |
Total risk-based capital ratio | 13.5074% | 5,303 |
Memoranda: | ||
Average total assets | $9,555,526,330 | 114 |
Average earning assets | $8,638,176,000 | 111 |
Average equity | $1,135,652,330 | 114 |
Average total loans | $7,510,907,000 | 102 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8538% | 4,277 |
Cost of funding earning assets | 0.4586% | 3,326 |
Net interest margin | 3.3952% | 4,137 |
Noninterest income to average assets | 1.2830% | 678 |
Noninterest expense to average assets | 2.5493% | 4,452 |
Loan and lease loss provision to assets | 0.0740% | 2,656 |
Net operating income to assets | 1.2576% | 1,322 |
Return on assets (ROA) | 1.2395% | 1,430 |
Pretax return on assets | 1.7170% | 942 |
Return on Equity (ROE) | 10.4933% | 1,869 |
Retained earnings to average equity (ytd only) | 6.0575% | 2,508 |
Net charge-offs to loans | 0.2468% | 1,334 |
Credit loss provision to net charge-offs | 38.1210% | 2,315 |
Earnings coverage of net charge-offs (x) | 9.3272% | 1,944 |
Efficiency ratio | 58.4662% | 5,603 |
Assets per employee ($millions) | 7.0392% | 793 |
Cash dividends to net income (ytd only)* | 42.2726% | 1,918 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2503% | 4,372 |
Loan loss allowance to noncurrent loans | 125.4589% | 3,047 |
Noncurrent assets plus other real estate owned to assets | 0.9055% | 3,471 |
Noncurrent loans to loans | 0.9966% | 3,425 |
Net loans and leases to total assets | 77.0801% | 875 |
Net loans and leases to deposits | 107.2948% | 205 |
Net loans and leases to core deposits | 110.4124% | 573 |
Total domestic deposits to total assets | 71.8395% | 6,370 |
Equity capital to assets | 11.9683% | 1,888 |
Core capital (leverage) ratio | 10.3781% | 3,081 |
Tier 1 risk-based capital ratio | 12.3073% | 5,435 |
Total risk-based capital ratio | 13.6915% | 5,285 |
Memoranda: | ||
Average total assets | $9,542,448,000 | 112 |
Average earning assets | $8,647,033,500 | 111 |
Average equity | $1,127,192,500 | 116 |
Average total loans | $7,504,161,500 | 103 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9940% | 4,099 |
Cost of funding earning assets | 0.5057% | 3,550 |
Net interest margin | 3.4884% | 3,954 |
Noninterest income to average assets | 1.4166% | 700 |
Noninterest expense to average assets | 2.8059% | 3,700 |
Loan and lease loss provision to assets | 0.2755% | 1,274 |
Net operating income to assets | 1.1038% | 1,922 |
Return on assets (ROA) | 1.1082% | 1,978 |
Pretax return on assets | 1.5059% | 1,432 |
Return on Equity (ROE) | 9.5507% | 2,309 |
Retained earnings to average equity (ytd only) | 4.6894% | 2,820 |
Net charge-offs to loans | 0.3961% | 1,705 |
Credit loss provision to net charge-offs | 88.2476% | 2,810 |
Earnings coverage of net charge-offs (x) | 5.6701% | 3,241 |
Efficiency ratio | 61.2319% | 5,325 |
Assets per employee ($millions) | 6.7475% | 873 |
Cash dividends to net income (ytd only)* | 50.8995% | 2,234 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2632% | 4,329 |
Loan loss allowance to noncurrent loans | 132.1386% | 2,941 |
Noncurrent assets plus other real estate owned to assets | 0.8819% | 3,685 |
Noncurrent loans to loans | 0.9559% | 3,602 |
Net loans and leases to total assets | 78.2197% | 800 |
Net loans and leases to deposits | 111.3078% | 152 |
Net loans and leases to core deposits | 114.2960% | 464 |
Total domestic deposits to total assets | 70.2733% | 6,512 |
Equity capital to assets | 11.6574% | 2,059 |
Core capital (leverage) ratio | 10.0259% | 3,524 |
Tier 1 risk-based capital ratio | 11.7470% | 5,779 |
Total risk-based capital ratio | 13.1402% | 5,622 |
Memoranda: | ||
Average total assets | $9,484,600,600 | 115 |
Average earning assets | $8,590,421,200 | 113 |
Average equity | $1,100,537,800 | 118 |
Average total loans | $7,476,223,400 | 99 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0144% | 4,075 |
Cost of funding earning assets | 0.5197% | 3,568 |
Net interest margin | 3.4948% | 3,905 |
Noninterest income to average assets | 1.4554% | 695 |
Noninterest expense to average assets | 2.8207% | 3,591 |
Loan and lease loss provision to assets | 0.3367% | 970 |
Net operating income to assets | 1.0758% | 2,097 |
Return on assets (ROA) | 1.0867% | 2,136 |
Pretax return on assets | 1.4783% | 1,673 |
Return on Equity (ROE) | 9.3765% | 2,451 |
Retained earnings to average equity (ytd only) | 4.6964% | 3,314 |
Net charge-offs to loans | 0.4577% | 1,400 |
Credit loss provision to net charge-offs | 93.4506% | 2,550 |
Earnings coverage of net charge-offs (x) | 4.9816% | 3,310 |
Efficiency ratio | 61.0970% | 5,265 |
Assets per employee ($millions) | 6.7860% | 824 |
Cash dividends to net income (ytd only)* | 49.9125% | 1,869 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2936% | 4,427 |
Loan loss allowance to noncurrent loans | 123.9892% | 2,939 |
Noncurrent assets plus other real estate owned to assets | 0.9626% | 3,741 |
Noncurrent loans to loans | 1.0433% | 3,715 |
Net loans and leases to total assets | 77.2480% | 841 |
Net loans and leases to deposits | 108.6237% | 177 |
Net loans and leases to core deposits | 111.6147% | 517 |
Total domestic deposits to total assets | 71.1152% | 6,542 |
Equity capital to assets | 11.4594% | 2,329 |
Core capital (leverage) ratio | 9.7640% | 4,012 |
Tier 1 risk-based capital ratio | 11.5864% | 6,014 |
Total risk-based capital ratio | 13.0048% | 5,879 |
Memoranda: | ||
Average total assets | $9,463,766,000 | 116 |
Average earning assets | $8,557,813,250 | 114 |
Average equity | $1,096,830,000 | 116 |
Average total loans | $7,450,339,250 | 99 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0206% | 4,031 |
Cost of funding earning assets | 0.5335% | 3,566 |
Net interest margin | 3.4871% | 3,830 |
Noninterest income to average assets | 1.4740% | 728 |
Noninterest expense to average assets | 2.7752% | 3,765 |
Loan and lease loss provision to assets | 0.3561% | 929 |
Net operating income to assets | 1.1104% | 1,892 |
Return on assets (ROA) | 1.1307% | 1,926 |
Pretax return on assets | 1.5354% | 1,525 |
Return on Equity (ROE) | 9.7188% | 2,309 |
Retained earnings to average equity (ytd only) | 5.1499% | 2,959 |
Net charge-offs to loans | 0.4363% | 1,487 |
Credit loss provision to net charge-offs | 103.4594% | 2,139 |
Earnings coverage of net charge-offs (x) | 5.4004% | 2,903 |
Efficiency ratio | 59.8727% | 5,504 |
Assets per employee ($millions) | 6.8163% | 786 |
Cash dividends to net income (ytd only)* | 47.0110% | 1,993 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3119% | 4,446 |
Loan loss allowance to noncurrent loans | 98.9038% | 3,488 |
Noncurrent assets plus other real estate owned to assets | 1.1950% | 3,354 |
Noncurrent loans to loans | 1.3264% | 3,343 |
Net loans and leases to total assets | 77.8826% | 762 |
Net loans and leases to deposits | 115.7556% | 85 |
Net loans and leases to core deposits | 118.3839% | 341 |
Total domestic deposits to total assets | 67.2819% | 6,734 |
Equity capital to assets | 11.3914% | 2,389 |
Core capital (leverage) ratio | 9.9474% | 3,591 |
Tier 1 risk-based capital ratio | 11.3819% | 6,164 |
Total risk-based capital ratio | 12.7971% | 6,044 |
Memoranda: | ||
Average total assets | $9,406,294,330 | 117 |
Average earning assets | $8,523,948,000 | 114 |
Average equity | $1,094,358,000 | 115 |
Average total loans | $7,420,015,670 | 98 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0527% | 3,910 |
Cost of funding earning assets | 0.5503% | 3,564 |
Net interest margin | 3.5024% | 3,686 |
Noninterest income to average assets | 1.4098% | 772 |
Noninterest expense to average assets | 2.7220% | 3,975 |
Loan and lease loss provision to assets | 0.3264% | 1,033 |
Net operating income to assets | 1.1395% | 1,718 |
Return on assets (ROA) | 1.1403% | 1,830 |
Pretax return on assets | 1.5376% | 1,463 |
Return on Equity (ROE) | 9.6960% | 2,196 |
Retained earnings to average equity (ytd only) | 5.1196% | 3,159 |
Net charge-offs to loans | 0.5317% | 1,132 |
Credit loss provision to net charge-offs | 77.8417% | 2,183 |
Earnings coverage of net charge-offs (x) | 4.4298% | 2,561 |
Efficiency ratio | 59.4239% | 5,665 |
Assets per employee ($millions) | 6.6186% | 929 |
Cash dividends to net income (ytd only)* | 47.1983% | 1,660 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3084% | 4,656 |
Loan loss allowance to noncurrent loans | 88.3672% | 3,678 |
Noncurrent assets plus other real estate owned to assets | 1.3932% | 3,184 |
Noncurrent loans to loans | 1.4806% | 3,342 |
Net loans and leases to total assets | 78.2898% | 583 |
Net loans and leases to deposits | 110.5831% | 119 |
Net loans and leases to core deposits | 113.3398% | 408 |
Total domestic deposits to total assets | 70.7973% | 6,723 |
Equity capital to assets | 11.7644% | 2,206 |
Core capital (leverage) ratio | 10.0896% | 3,285 |
Tier 1 risk-based capital ratio | 11.4467% | 6,211 |
Total risk-based capital ratio | 13.0422% | 6,010 |
Memoranda: | ||
Average total assets | $9,290,338,000 | 121 |
Average earning assets | $8,407,938,000 | 116 |
Average equity | $1,092,576,000 | 119 |
Average total loans | $7,326,887,500 | 101 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3581% | 3,996 |
Cost of funding earning assets | 0.6872% | 3,593 |
Net interest margin | 3.6709% | 3,779 |
Noninterest income to average assets | 1.7141% | 553 |
Noninterest expense to average assets | 2.7747% | 4,122 |
Loan and lease loss provision to assets | 0.4825% | 1,267 |
Net operating income to assets | 1.2590% | 1,427 |
Return on assets (ROA) | 1.2468% | 1,619 |
Pretax return on assets | 1.7605% | 997 |
Return on Equity (ROE) | 10.5890% | 1,943 |
Retained earnings to average equity (ytd only) | 3.1077% | 4,047 |
Net charge-offs to loans | 0.8723% | 1,312 |
Credit loss provision to net charge-offs | 71.3810% | 4,118 |
Earnings coverage of net charge-offs (x) | 3.3342% | 3,773 |
Efficiency ratio | 55.0775% | 6,161 |
Assets per employee ($millions) | 6.6155% | 942 |
Cash dividends to net income (ytd only)* | 70.6513% | 1,346 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3715% | 4,302 |
Loan loss allowance to noncurrent loans | 96.1716% | 3,429 |
Noncurrent assets plus other real estate owned to assets | 1.3201% | 3,439 |
Noncurrent loans to loans | 1.4261% | 3,461 |
Net loans and leases to total assets | 77.3222% | 759 |
Net loans and leases to deposits | 106.1434% | 222 |
Net loans and leases to core deposits | 108.8205% | 575 |
Total domestic deposits to total assets | 72.8469% | 6,636 |
Equity capital to assets | 11.7563% | 2,216 |
Core capital (leverage) ratio | 10.1477% | 3,203 |
Tier 1 risk-based capital ratio | 11.5130% | 6,097 |
Total risk-based capital ratio | 13.1364% | 5,810 |
Memoranda: | ||
Average total assets | $9,109,872,800 | 121 |
Average earning assets | $8,225,117,000 | 120 |
Average equity | $1,072,681,800 | 120 |
Average total loans | $7,059,004,000 | 100 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4122% | 3,998 |
Cost of funding earning assets | 0.7126% | 3,656 |
Net interest margin | 3.6996% | 3,795 |
Noninterest income to average assets | 1.6379% | 564 |
Noninterest expense to average assets | 2.7303% | 4,250 |
Loan and lease loss provision to assets | 0.5284% | 1,127 |
Net operating income to assets | 1.2415% | 1,598 |
Return on assets (ROA) | 1.2269% | 1,819 |
Pretax return on assets | 1.7089% | 1,243 |
Return on Equity (ROE) | 10.4158% | 2,169 |
Retained earnings to average equity (ytd only) | 3.5288% | 4,393 |
Net charge-offs to loans | 0.9598% | 1,113 |
Credit loss provision to net charge-offs | 71.2600% | 3,874 |
Earnings coverage of net charge-offs (x) | 3.0361% | 3,819 |
Efficiency ratio | 54.7026% | 6,176 |
Assets per employee ($millions) | 6.5401% | 935 |
Cash dividends to net income (ytd only)* | 66.1210% | 1,052 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4501% | 4,156 |
Loan loss allowance to noncurrent loans | 104.6916% | 3,106 |
Noncurrent assets plus other real estate owned to assets | 1.2822% | 3,725 |
Noncurrent loans to loans | 1.3851% | 3,723 |
Net loans and leases to total assets | 76.5571% | 888 |
Net loans and leases to deposits | 101.9476% | 352 |
Net loans and leases to core deposits | 104.6254% | 832 |
Total domestic deposits to total assets | 75.0946% | 6,508 |
Equity capital to assets | 11.8766% | 2,371 |
Core capital (leverage) ratio | 10.0386% | 3,495 |
Tier 1 risk-based capital ratio | 11.6969% | 6,115 |
Total risk-based capital ratio | 13.3317% | 5,877 |
Memoranda: | ||
Average total assets | $9,080,189,750 | 120 |
Average earning assets | $8,207,081,250 | 119 |
Average equity | $1,069,617,250 | 120 |
Average total loans | $7,015,007,500 | 102 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4467% | 3,996 |
Cost of funding earning assets | 0.7311% | 3,760 |
Net interest margin | 3.7156% | 3,752 |
Noninterest income to average assets | 1.6337% | 555 |
Noninterest expense to average assets | 2.7259% | 4,303 |
Loan and lease loss provision to assets | 0.5204% | 1,206 |
Net operating income to assets | 1.2491% | 1,570 |
Return on assets (ROA) | 1.2342% | 1,788 |
Pretax return on assets | 1.7306% | 1,181 |
Return on Equity (ROE) | 10.5059% | 2,165 |
Retained earnings to average equity (ytd only) | 5.3959% | 3,049 |
Net charge-offs to loans | 0.9786% | 1,134 |
Credit loss provision to net charge-offs | 68.9680% | 3,589 |
Earnings coverage of net charge-offs (x) | 3.0025% | 3,547 |
Efficiency ratio | 54.5042% | 6,272 |
Assets per employee ($millions) | 6.5675% | 919 |
Cash dividends to net income (ytd only)* | 48.6399% | 1,796 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4996% | 4,010 |
Loan loss allowance to noncurrent loans | 96.3001% | 3,302 |
Noncurrent assets plus other real estate owned to assets | 1.4366% | 3,557 |
Noncurrent loans to loans | 1.5572% | 3,575 |
Net loans and leases to total assets | 76.5926% | 897 |
Net loans and leases to deposits | 106.9516% | 206 |
Net loans and leases to core deposits | 110.0765% | 576 |
Total domestic deposits to total assets | 71.6142% | 6,823 |
Equity capital to assets | 11.7984% | 2,316 |
Core capital (leverage) ratio | 10.0448% | 3,360 |
Tier 1 risk-based capital ratio | 11.5298% | 6,197 |
Total risk-based capital ratio | 13.1595% | 5,956 |
Memoranda: | ||
Average total assets | $9,078,846,000 | 119 |
Average earning assets | $8,204,887,330 | 120 |
Average equity | $1,066,523,330 | 120 |
Average total loans | $7,001,025,330 | 101 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4820% | 3,996 |
Cost of funding earning assets | 0.7517% | 3,851 |
Net interest margin | 3.7303% | 3,695 |
Noninterest income to average assets | 1.5876% | 572 |
Noninterest expense to average assets | 2.6907% | 4,457 |
Loan and lease loss provision to assets | 0.5045% | 1,204 |
Net operating income to assets | 1.2563% | 1,588 |
Return on assets (ROA) | 1.2412% | 1,809 |
Pretax return on assets | 1.7482% | 1,200 |
Return on Equity (ROE) | 10.5886% | 2,197 |
Retained earnings to average equity (ytd only) | 5.7883% | 3,083 |
Net charge-offs to loans | 0.7948% | 1,293 |
Credit loss provision to net charge-offs | 82.6609% | 2,680 |
Earnings coverage of net charge-offs (x) | 3.7151% | 2,774 |
Efficiency ratio | 54.1433% | 6,332 |
Assets per employee ($millions) | 6.5649% | 944 |
Cash dividends to net income (ytd only)* | 45.3349% | 1,601 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6417% | 3,571 |
Loan loss allowance to noncurrent loans | 90.3901% | 3,332 |
Noncurrent assets plus other real estate owned to assets | 1.6407% | 3,392 |
Noncurrent loans to loans | 1.8162% | 3,386 |
Net loans and leases to total assets | 75.4694% | 863 |
Net loans and leases to deposits | 105.2055% | 228 |
Net loans and leases to core deposits | 108.4797% | 591 |
Total domestic deposits to total assets | 71.7353% | 6,892 |
Equity capital to assets | 11.7803% | 2,198 |
Core capital (leverage) ratio | 10.0040% | 3,363 |
Tier 1 risk-based capital ratio | 11.5937% | 6,224 |
Total risk-based capital ratio | 13.4258% | 5,819 |
Memoranda: | ||
Average total assets | $9,063,732,500 | 119 |
Average earning assets | $8,189,647,500 | 119 |
Average equity | $1,062,424,000 | 121 |
Average total loans | $6,959,992,000 | 102 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6872% | 4,299 |
Cost of funding earning assets | 0.8951% | 4,160 |
Net interest margin | 3.7921% | 3,864 |
Noninterest income to average assets | 1.5057% | 577 |
Noninterest expense to average assets | 2.5497% | 5,297 |
Loan and lease loss provision to assets | 0.4921% | 2,147 |
Net operating income to assets | 1.3453% | 1,151 |
Return on assets (ROA) | 1.3344% | 1,252 |
Pretax return on assets | 1.8807% | 691 |
Return on Equity (ROE) | 11.4991% | 1,557 |
Retained earnings to average equity (ytd only) | 5.8033% | 2,124 |
Net charge-offs to loans | 1.0930% | 1,574 |
Credit loss provision to net charge-offs | 58.1031% | 5,221 |
Earnings coverage of net charge-offs (x) | 2.8119% | 3,809 |
Efficiency ratio | 51.4911% | 6,741 |
Assets per employee ($millions) | 6.5901% | 909 |
Cash dividends to net income (ytd only)* | 49.5330% | 2,070 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6816% | 3,274 |
Loan loss allowance to noncurrent loans | 90.7016% | 3,304 |
Noncurrent assets plus other real estate owned to assets | 1.6810% | 3,428 |
Noncurrent loans to loans | 1.8540% | 3,405 |
Net loans and leases to total assets | 75.5578% | 1,012 |
Net loans and leases to deposits | 101.9610% | 382 |
Net loans and leases to core deposits | 105.1140% | 836 |
Total domestic deposits to total assets | 74.1046% | 6,706 |
Equity capital to assets | 11.6628% | 2,370 |
Core capital (leverage) ratio | 9.8335% | 3,538 |
Tier 1 risk-based capital ratio | 11.3390% | 6,262 |
Total risk-based capital ratio | 13.1690% | 5,865 |
Memoranda: | ||
Average total assets | $8,850,365,800 | 121 |
Average earning assets | $7,994,411,400 | 118 |
Average equity | $1,027,058,800 | 122 |
Average total loans | $6,857,753,400 | 96 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7264% | 4,331 |
Cost of funding earning assets | 0.9203% | 4,271 |
Net interest margin | 3.8061% | 3,843 |
Noninterest income to average assets | 1.5497% | 547 |
Noninterest expense to average assets | 2.5553% | 5,259 |
Loan and lease loss provision to assets | 0.5404% | 1,822 |
Net operating income to assets | 1.3431% | 1,281 |
Return on assets (ROA) | 1.3287% | 1,396 |
Pretax return on assets | 1.8797% | 820 |
Return on Equity (ROE) | 11.4647% | 1,699 |
Retained earnings to average equity (ytd only) | 7.0866% | 1,924 |
Net charge-offs to loans | 1.0872% | 1,463 |
Credit loss provision to net charge-offs | 64.0141% | 4,671 |
Earnings coverage of net charge-offs (x) | 2.8828% | 3,700 |
Efficiency ratio | 50.9943% | 6,764 |
Assets per employee ($millions) | 6.5775% | 912 |
Cash dividends to net income (ytd only)* | 38.1880% | 2,111 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8613% | 2,745 |
Loan loss allowance to noncurrent loans | 85.1822% | 3,385 |
Noncurrent assets plus other real estate owned to assets | 1.9955% | 3,146 |
Noncurrent loans to loans | 2.1851% | 3,133 |
Net loans and leases to total assets | 75.1172% | 1,124 |
Net loans and leases to deposits | 100.4627% | 451 |
Net loans and leases to core deposits | 103.7080% | 999 |
Total domestic deposits to total assets | 74.7712% | 6,667 |
Equity capital to assets | 11.6895% | 2,508 |
Core capital (leverage) ratio | 9.8945% | 3,580 |
Tier 1 risk-based capital ratio | 11.3267% | 6,342 |
Total risk-based capital ratio | 13.1616% | 5,939 |
Memoranda: | ||
Average total assets | $8,802,542,250 | 120 |
Average earning assets | $7,953,852,250 | 117 |
Average equity | $1,020,195,250 | 123 |
Average total loans | $6,835,060,250 | 97 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7541% | 4,276 |
Cost of funding earning assets | 0.9522% | 4,303 |
Net interest margin | 3.8020% | 3,774 |
Noninterest income to average assets | 1.5304% | 543 |
Noninterest expense to average assets | 2.5374% | 5,404 |
Loan and lease loss provision to assets | 0.7084% | 1,333 |
Net operating income to assets | 1.2286% | 1,500 |
Return on assets (ROA) | 1.2175% | 1,602 |
Pretax return on assets | 1.7120% | 1,032 |
Return on Equity (ROE) | 10.5361% | 1,940 |
Retained earnings to average equity (ytd only) | 6.5744% | 2,095 |
Net charge-offs to loans | 1.1166% | 1,408 |
Credit loss provision to net charge-offs | 81.3047% | 3,730 |
Earnings coverage of net charge-offs (x) | 2.7884% | 3,454 |
Efficiency ratio | 50.8360% | 6,882 |
Assets per employee ($millions) | 6.3678% | 983 |
Cash dividends to net income (ytd only)* | 37.6018% | 2,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0738% | 2,173 |
Loan loss allowance to noncurrent loans | 88.6577% | 3,211 |
Noncurrent assets plus other real estate owned to assets | 2.1726% | 3,020 |
Noncurrent loans to loans | 2.3391% | 3,051 |
Net loans and leases to total assets | 76.5072% | 998 |
Net loans and leases to deposits | 104.2742% | 309 |
Net loans and leases to core deposits | 107.7294% | 828 |
Total domestic deposits to total assets | 73.3712% | 6,896 |
Equity capital to assets | 11.8418% | 2,216 |
Core capital (leverage) ratio | 9.7598% | 3,578 |
Tier 1 risk-based capital ratio | 11.2015% | 6,379 |
Total risk-based capital ratio | 13.0472% | 5,928 |
Memoranda: | ||
Average total assets | $8,737,378,000 | 120 |
Average earning assets | $7,897,454,670 | 117 |
Average equity | $1,009,650,670 | 122 |
Average total loans | $6,817,657,000 | 98 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7528% | 4,287 |
Cost of funding earning assets | 0.9710% | 4,417 |
Net interest margin | 3.7818% | 3,697 |
Noninterest income to average assets | 1.4760% | 591 |
Noninterest expense to average assets | 2.4804% | 5,626 |
Loan and lease loss provision to assets | 0.8358% | 996 |
Net operating income to assets | 1.1331% | 1,727 |
Return on assets (ROA) | 1.1392% | 1,750 |
Pretax return on assets | 1.5922% | 1,212 |
Return on Equity (ROE) | 9.9814% | 2,101 |
Retained earnings to average equity (ytd only) | 5.9762% | 2,654 |
Net charge-offs to loans | 1.0892% | 1,263 |
Credit loss provision to net charge-offs | 98.4123% | 2,777 |
Earnings coverage of net charge-offs (x) | 2.8415% | 2,948 |
Efficiency ratio | 50.4278% | 6,956 |
Assets per employee ($millions) | 6.3926% | 978 |
Cash dividends to net income (ytd only)* | 40.1268% | 1,745 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1762% | 2,017 |
Loan loss allowance to noncurrent loans | 90.0475% | 3,177 |
Noncurrent assets plus other real estate owned to assets | 2.2065% | 3,056 |
Noncurrent loans to loans | 2.4167% | 3,072 |
Net loans and leases to total assets | 76.4439% | 974 |
Net loans and leases to deposits | 103.7802% | 320 |
Net loans and leases to core deposits | 107.7730% | 850 |
Total domestic deposits to total assets | 73.6595% | 6,933 |
Equity capital to assets | 11.5737% | 2,209 |
Core capital (leverage) ratio | 9.4766% | 3,852 |
Tier 1 risk-based capital ratio | 11.0039% | 6,507 |
Total risk-based capital ratio | 13.0500% | 5,861 |
Memoranda: | ||
Average total assets | $8,750,519,500 | 123 |
Average earning assets | $7,908,235,500 | 119 |
Average equity | $998,701,000 | 123 |
Average total loans | $6,823,609,000 | 99 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9079% | 4,992 |
Cost of funding earning assets | 1.2327% | 4,338 |
Net interest margin | 3.6752% | 4,468 |
Noninterest income to average assets | 1.4765% | 664 |
Noninterest expense to average assets | 2.4626% | 5,910 |
Loan and lease loss provision to assets | 0.8203% | 1,996 |
Net operating income to assets | 1.0832% | 1,747 |
Return on assets (ROA) | 1.0266% | 2,054 |
Pretax return on assets | 1.4479% | 1,517 |
Return on Equity (ROE) | 9.7393% | 2,024 |
Retained earnings to average equity (ytd only) | 6.7355% | 1,437 |
Net charge-offs to loans | 1.0144% | 2,167 |
Credit loss provision to net charge-offs | 106.8860% | 4,170 |
Earnings coverage of net charge-offs (x) | 3.0507% | 3,546 |
Efficiency ratio | 50.9791% | 7,061 |
Assets per employee ($millions) | 6.4616% | 962 |
Cash dividends to net income (ytd only)* | 30.8423% | 3,005 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1648% | 1,933 |
Loan loss allowance to noncurrent loans | 89.0252% | 3,208 |
Noncurrent assets plus other real estate owned to assets | 2.1830% | 3,116 |
Noncurrent loans to loans | 2.4316% | 3,087 |
Net loans and leases to total assets | 76.1318% | 1,249 |
Net loans and leases to deposits | 106.5473% | 302 |
Net loans and leases to core deposits | 110.8973% | 875 |
Total domestic deposits to total assets | 71.4536% | 7,136 |
Equity capital to assets | 11.2542% | 2,448 |
Core capital (leverage) ratio | 9.1797% | 4,209 |
Tier 1 risk-based capital ratio | 10.6407% | 6,607 |
Total risk-based capital ratio | 12.6747% | 5,966 |
Memoranda: | ||
Average total assets | $8,921,893,000 | 120 |
Average earning assets | $8,077,544,600 | 119 |
Average equity | $940,467,800 | 124 |
Average total loans | $6,749,938,200 | 99 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9064% | 5,239 |
Cost of funding earning assets | 1.2837% | 4,336 |
Net interest margin | 3.6227% | 4,768 |
Noninterest income to average assets | 1.4777% | 620 |
Noninterest expense to average assets | 2.4577% | 5,865 |
Loan and lease loss provision to assets | 0.7785% | 1,961 |
Net operating income to assets | 1.0886% | 1,925 |
Return on assets (ROA) | 1.0258% | 2,258 |
Pretax return on assets | 1.4391% | 1,774 |
Return on Equity (ROE) | 9.8409% | 2,189 |
Retained earnings to average equity (ytd only) | 7.8423% | 1,473 |
Net charge-offs to loans | 0.8541% | 2,310 |
Credit loss provision to net charge-offs | 120.9887% | 3,403 |
Earnings coverage of net charge-offs (x) | 3.5719% | 3,390 |
Efficiency ratio | 51.4464% | 7,034 |
Assets per employee ($millions) | 6.6470% | 905 |
Cash dividends to net income (ytd only)* | 20.3096% | 2,960 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2183% | 1,767 |
Loan loss allowance to noncurrent loans | 93.2860% | 2,955 |
Noncurrent assets plus other real estate owned to assets | 2.1313% | 3,290 |
Noncurrent loans to loans | 2.3780% | 3,259 |
Net loans and leases to total assets | 74.8140% | 1,617 |
Net loans and leases to deposits | 104.4027% | 412 |
Net loans and leases to core deposits | 108.1213% | 1,156 |
Total domestic deposits to total assets | 71.6591% | 7,166 |
Equity capital to assets | 11.2309% | 2,749 |
Core capital (leverage) ratio | 9.0585% | 4,590 |
Tier 1 risk-based capital ratio | 10.5692% | 6,733 |
Total risk-based capital ratio | 12.6471% | 6,010 |
Memoranda: | ||
Average total assets | $8,479,936,750 | 127 |
Average earning assets | $7,673,497,500 | 123 |
Average equity | $883,907,750 | 126 |
Average total loans | $6,388,133,500 | 103 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8948% | 5,414 |
Cost of funding earning assets | 1.3353% | 4,296 |
Net interest margin | 3.5594% | 5,003 |
Noninterest income to average assets | 1.3755% | 662 |
Noninterest expense to average assets | 2.4076% | 6,047 |
Loan and lease loss provision to assets | 0.7981% | 1,813 |
Net operating income to assets | 1.0064% | 2,168 |
Return on assets (ROA) | 0.9200% | 2,574 |
Pretax return on assets | 1.2811% | 2,149 |
Return on Equity (ROE) | 9.0585% | 2,438 |
Retained earnings to average equity (ytd only) | 5.9870% | 2,333 |
Net charge-offs to loans | 0.8384% | 2,156 |
Credit loss provision to net charge-offs | 127.0281% | 3,165 |
Earnings coverage of net charge-offs (x) | 3.4897% | 3,302 |
Efficiency ratio | 52.0984% | 7,056 |
Assets per employee ($millions) | 6.8345% | 825 |
Cash dividends to net income (ytd only)* | 33.9074% | 2,368 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0897% | 1,981 |
Loan loss allowance to noncurrent loans | 94.2346% | 2,916 |
Noncurrent assets plus other real estate owned to assets | 1.8781% | 3,649 |
Noncurrent loans to loans | 2.2175% | 3,460 |
Net loans and leases to total assets | 72.5027% | 2,277 |
Net loans and leases to deposits | 107.9893% | 324 |
Net loans and leases to core deposits | 112.5529% | 1,000 |
Total domestic deposits to total assets | 67.1388% | 7,472 |
Equity capital to assets | 10.5970% | 3,282 |
Core capital (leverage) ratio | 8.6128% | 5,210 |
Tier 1 risk-based capital ratio | 10.2707% | 6,860 |
Total risk-based capital ratio | 12.3538% | 6,118 |
Memoranda: | ||
Average total assets | $8,494,904,000 | 125 |
Average earning assets | $7,695,852,330 | 123 |
Average equity | $862,768,000 | 127 |
Average total loans | $6,366,260,000 | 104 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9613% | 5,189 |
Cost of funding earning assets | 1.3943% | 4,218 |
Net interest margin | 3.5670% | 4,871 |
Noninterest income to average assets | 1.3352% | 677 |
Noninterest expense to average assets | 2.4106% | 6,050 |
Loan and lease loss provision to assets | 0.8328% | 1,521 |
Net operating income to assets | 0.9642% | 2,315 |
Return on assets (ROA) | 0.8293% | 2,932 |
Pretax return on assets | 1.1409% | 2,583 |
Return on Equity (ROE) | 8.3526% | 2,713 |
Retained earnings to average equity (ytd only) | 2.0024% | 4,932 |
Net charge-offs to loans | 0.8966% | 1,780 |
Credit loss provision to net charge-offs | 123.1787% | 2,841 |
Earnings coverage of net charge-offs (x) | 3.1834% | 2,994 |
Efficiency ratio | 52.5874% | 7,094 |
Assets per employee ($millions) | 6.5443% | 975 |
Cash dividends to net income (ytd only)* | 76.0271% | 919 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1257% | 1,895 |
Loan loss allowance to noncurrent loans | 114.8586% | 2,404 |
Noncurrent assets plus other real estate owned to assets | 1.6662% | 3,975 |
Noncurrent loans to loans | 1.8507% | 3,987 |
Net loans and leases to total assets | 74.4651% | 1,870 |
Net loans and leases to deposits | 109.2678% | 308 |
Net loans and leases to core deposits | 114.2819% | 1,030 |
Total domestic deposits to total assets | 68.1492% | 7,519 |
Equity capital to assets | 9.9928% | 3,886 |
Core capital (leverage) ratio | 7.8780% | 6,406 |
Tier 1 risk-based capital ratio | 9.0759% | 7,463 |
Total risk-based capital ratio | 11.3597% | 6,945 |
Memoranda: | ||
Average total assets | $8,405,883,000 | 127 |
Average earning assets | $7,606,014,000 | 121 |
Average equity | $834,617,000 | 128 |
Average total loans | $6,338,225,000 | 104 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0622% | 6,222 |
Cost of funding earning assets | 1.7222% | 4,398 |
Net interest margin | 3.3399% | 5,585 |
Noninterest income to average assets | 1.4612% | 672 |
Noninterest expense to average assets | 2.5549% | 5,937 |
Loan and lease loss provision to assets | 1.1271% | 2,023 |
Net operating income to assets | 0.6426% | 3,167 |
Return on assets (ROA) | 0.5824% | 3,471 |
Pretax return on assets | 0.7516% | 3,400 |
Return on Equity (ROE) | 6.0324% | 3,197 |
Retained earnings to average equity (ytd only) | 1.1746% | 4,220 |
Net charge-offs to loans | 0.6946% | 3,101 |
Credit loss provision to net charge-offs | 214.0887% | 1,792 |
Earnings coverage of net charge-offs (x) | 3.7064% | 3,236 |
Efficiency ratio | 56.4012% | 6,964 |
Assets per employee ($millions) | 6.2623% | 1,103 |
Cash dividends to net income (ytd only)* | 80.5290% | 1,161 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1233% | 1,783 |
Loan loss allowance to noncurrent loans | 109.8032% | 2,572 |
Noncurrent assets plus other real estate owned to assets | 1.6416% | 3,912 |
Noncurrent loans to loans | 1.9337% | 3,751 |
Net loans and leases to total assets | 73.5968% | 2,363 |
Net loans and leases to deposits | 109.8491% | 388 |
Net loans and leases to core deposits | 129.9607% | 1,291 |
Total domestic deposits to total assets | 66.9981% | 7,601 |
Equity capital to assets | 9.7490% | 4,069 |
Core capital (leverage) ratio | 7.8632% | 6,368 |
Tier 1 risk-based capital ratio | 8.8649% | 7,519 |
Total risk-based capital ratio | 11.1303% | 6,944 |
Memoranda: | ||
Average total assets | $8,348,181,600 | 122 |
Average earning assets | $7,611,092,400 | 119 |
Average equity | $805,917,000 | 127 |
Average total loans | $6,327,158,200 | 105 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0182% | 6,550 |
Cost of funding earning assets | 1.7396% | 4,697 |
Net interest margin | 3.2786% | 5,717 |
Noninterest income to average assets | 1.2476% | 990 |
Noninterest expense to average assets | 2.2418% | 6,868 |
Loan and lease loss provision to assets | 1.0738% | 1,813 |
Net operating income to assets | 0.6961% | 3,224 |
Return on assets (ROA) | 0.6455% | 3,487 |
Pretax return on assets | 0.8625% | 3,349 |
Return on Equity (ROE) | 6.7034% | 3,217 |
Retained earnings to average equity (ytd only) | 4.7832% | 2,615 |
Net charge-offs to loans | 0.6736% | 2,670 |
Credit loss provision to net charge-offs | 209.9149% | 2,099 |
Earnings coverage of net charge-offs (x) | 3.9065% | 3,342 |
Efficiency ratio | 52.5486% | 7,365 |
Assets per employee ($millions) | 7.3434% | 682 |
Cash dividends to net income (ytd only)* | 28.6458% | 2,931 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8144% | 2,233 |
Loan loss allowance to noncurrent loans | 91.6638% | 2,997 |
Noncurrent assets plus other real estate owned to assets | 1.7053% | 3,820 |
Noncurrent loans to loans | 1.9794% | 3,671 |
Net loans and leases to total assets | 75.6550% | 2,065 |
Net loans and leases to deposits | 111.9922% | 391 |
Net loans and leases to core deposits | 133.2999% | 1,252 |
Total domestic deposits to total assets | 67.5538% | 7,606 |
Equity capital to assets | 9.9884% | 4,103 |
Core capital (leverage) ratio | 8.1058% | 6,174 |
Tier 1 risk-based capital ratio | 9.0301% | 7,610 |
Total risk-based capital ratio | 11.2808% | 6,898 |
Memoranda: | ||
Average total assets | $8,327,962,250 | 129 |
Average earning assets | $7,601,516,000 | 123 |
Average equity | $801,958,000 | 132 |
Average total loans | $6,324,424,750 | 110 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9875% | 6,813 |
Cost of funding earning assets | 1.7644% | 4,931 |
Net interest margin | 3.2231% | 5,834 |
Noninterest income to average assets | 1.2799% | 931 |
Noninterest expense to average assets | 2.2831% | 6,804 |
Loan and lease loss provision to assets | 1.0310% | 1,645 |
Net operating income to assets | 0.6791% | 3,349 |
Return on assets (ROA) | 0.6192% | 3,708 |
Pretax return on assets | 0.8297% | 3,572 |
Return on Equity (ROE) | 6.5098% | 3,433 |
Retained earnings to average equity (ytd only) | 6.5098% | 1,791 |
Net charge-offs to loans | 0.6934% | 2,317 |
Credit loss provision to net charge-offs | 196.7387% | 2,322 |
Earnings coverage of net charge-offs (x) | 3.6925% | 3,335 |
Efficiency ratio | 53.7948% | 7,354 |
Assets per employee ($millions) | 7.5446% | 602 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5826% | 2,819 |
Loan loss allowance to noncurrent loans | 83.0586% | 3,403 |
Noncurrent assets plus other real estate owned to assets | 1.6838% | 3,663 |
Noncurrent loans to loans | 1.9054% | 3,662 |
Net loans and leases to total assets | 74.0394% | 2,685 |
Net loans and leases to deposits | 120.2041% | 230 |
Net loans and leases to core deposits | 145.0084% | 800 |
Total domestic deposits to total assets | 61.5947% | 7,904 |
Equity capital to assets | 9.5177% | 4,591 |
Core capital (leverage) ratio | 8.0116% | 6,308 |
Tier 1 risk-based capital ratio | 8.8320% | 7,777 |
Total risk-based capital ratio | 11.0614% | 7,069 |
Memoranda: | ||
Average total assets | $8,355,086,000 | 133 |
Average earning assets | $7,616,774,000 | 126 |
Average equity | $794,710,670 | 136 |
Average total loans | $6,314,483,330 | 117 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9749% | 6,996 |
Cost of funding earning assets | 1.7754% | 5,239 |
Net interest margin | 3.1995% | 5,859 |
Noninterest income to average assets | 1.3009% | 845 |
Noninterest expense to average assets | 2.2222% | 6,797 |
Loan and lease loss provision to assets | 1.0383% | 1,261 |
Net operating income to assets | 0.7227% | 3,452 |
Return on assets (ROA) | 0.6844% | 3,820 |
Pretax return on assets | 0.9166% | 3,654 |
Return on Equity (ROE) | 7.1981% | 3,504 |
Retained earnings to average equity (ytd only) | 7.1981% | 2,134 |
Net charge-offs to loans | 0.8908% | 1,472 |
Credit loss provision to net charge-offs | 153.8725% | 2,713 |
Earnings coverage of net charge-offs (x) | 2.9643% | 3,321 |
Efficiency ratio | 52.2779% | 7,388 |
Assets per employee ($millions) | 7.3892% | 654 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3736% | 3,644 |
Loan loss allowance to noncurrent loans | 77.2585% | 3,787 |
Noncurrent assets plus other real estate owned to assets | 1.6073% | 3,509 |
Noncurrent loans to loans | 1.7780% | 3,596 |
Net loans and leases to total assets | 75.0329% | 2,495 |
Net loans and leases to deposits | 123.3282% | 224 |
Net loans and leases to core deposits | 149.8912% | 714 |
Total domestic deposits to total assets | 60.8401% | 7,949 |
Equity capital to assets | 9.6455% | 4,461 |
Core capital (leverage) ratio | 7.9761% | 6,499 |
Tier 1 risk-based capital ratio | 8.6954% | 7,907 |
Total risk-based capital ratio | 10.9242% | 7,196 |
Memoranda: | ||
Average total assets | $8,296,341,500 | 135 |
Average earning assets | $7,576,021,500 | 130 |
Average equity | $788,870,000 | 135 |
Average total loans | $6,284,767,500 | 118 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7209% | 6,705 |
Cost of funding earning assets | 2.3457% | 4,944 |
Net interest margin | 3.3753% | 5,765 |
Noninterest income to average assets | 1.2031% | 1,030 |
Noninterest expense to average assets | 2.1089% | 7,217 |
Loan and lease loss provision to assets | 0.6769% | 2,145 |
Net operating income to assets | 1.0470% | 2,367 |
Return on assets (ROA) | 0.9168% | 2,779 |
Pretax return on assets | 1.2956% | 2,323 |
Return on Equity (ROE) | 10.1546% | 2,203 |
Retained earnings to average equity (ytd only) | 8.3878% | 735 |
Net charge-offs to loans | 0.3825% | 2,916 |
Credit loss provision to net charge-offs | 248.6285% | 1,875 |
Earnings coverage of net charge-offs (x) | 7.9187% | 2,992 |
Efficiency ratio | 49.0567% | 7,729 |
Assets per employee ($millions) | 7.3665% | 606 |
Cash dividends to net income (ytd only)* | 17.3991% | 4,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2939% | 3,827 |
Loan loss allowance to noncurrent loans | 85.9927% | 3,921 |
Noncurrent assets plus other real estate owned to assets | 1.3702% | 3,449 |
Noncurrent loans to loans | 1.5046% | 3,537 |
Net loans and leases to total assets | 74.4569% | 3,000 |
Net loans and leases to deposits | 127.9250% | 239 |
Net loans and leases to core deposits | 149.8231% | 863 |
Total domestic deposits to total assets | 58.2035% | 8,008 |
Equity capital to assets | 9.3735% | 4,855 |
Core capital (leverage) ratio | 7.7116% | 6,908 |
Tier 1 risk-based capital ratio | 8.6549% | 7,954 |
Total risk-based capital ratio | 10.8413% | 7,108 |
Memoranda: | ||
Average total assets | $8,462,767,800 | 125 |
Average earning assets | $7,676,454,800 | 125 |
Average equity | $764,083,600 | 141 |
Average total loans | $6,022,779,600 | 119 |