Home > HomeStreet Bank > Performance and Condition Ratios
HomeStreet Bank, Performance and Condition Ratios
| 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 | 4.3833% | 2,925 |
| Cost of funding earning assets | 2.1894% | 342 |
| Net interest margin | 2.1939% | 4,430 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.9549% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.4389% | 4,561 |
| Return on assets (ROA) | -0.4389% | 4,555 |
| Pretax return on assets | -0.4803% | 4,552 |
| Return on Equity (ROE) | -5.5500% | 4,553 |
| Retained earnings to average equity (ytd only) | -11.6272% | 4,534 |
| Net charge-offs to loans | 0.0187% | 1,525 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | -32.4900% | 4,646 |
| Efficiency ratio | 84.4005% | 576 |
| Assets per employee ($millions) | 10.5499% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 4,339 |
| Loan loss allowance to noncurrent loans | 84.1563% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 1,013 |
| Noncurrent loans to loans | 0.6599% | 1,130 |
| Net loans and leases to total assets | 78.2700% | 805 |
| Net loans and leases to deposits | 111.2152% | 183 |
| Net loans and leases to core deposits | 129.3651% | 341 |
| Total domestic deposits to total assets | 70.3800% | 4,348 |
| Equity capital to assets | 7.7311% | 3,386 |
| Core capital (leverage) ratio | 8.4315% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4886% | 2,100 |
| Memoranda: | ||
| Average total assets | $9,561,446,000 | 162 |
| Average earning assets | $9,036,615,667 | 153 |
| Average equity | $756,519,000 | 197 |
| Average total loans | $7,480,078,000 | 148 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 2,820 |
| Cost of funding earning assets | 1.9718% | 319 |
| Net interest margin | 2.3195% | 4,437 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.1456% | 3,264 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.3427% | 4,182 |
| Return on assets (ROA) | 0.3428% | 4,135 |
| Pretax return on assets | 0.4260% | 4,092 |
| Return on Equity (ROE) | 4.2800% | 3,996 |
| Retained earnings to average equity (ytd only) | -4.5728% | 4,312 |
| Net charge-offs to loans | 0.0315% | 1,083 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 18.3497% | 1,490 |
| Efficiency ratio | 81.6999% | 722 |
| Assets per employee ($millions) | 10.6761% | 570 |
| Cash dividends to net income (ytd only)* | 206.7372% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5521% | 4,406 |
| Loan loss allowance to noncurrent loans | 138.3841% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 1,559 |
| Noncurrent loans to loans | 0.3990% | 1,737 |
| Net loans and leases to total assets | 75.8600% | 985 |
| Net loans and leases to deposits | 105.7584% | 256 |
| Net loans and leases to core deposits | 124.6492% | 353 |
| Total domestic deposits to total assets | 71.7300% | 4,368 |
| Equity capital to assets | 7.9489% | 3,275 |
| Core capital (leverage) ratio | 8.4691% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3718% | 2,610 |
| Memoranda: | ||
| Average total assets | $9,594,712,000 | 168 |
| Average earning assets | $9,070,239,500 | 158 |
| Average equity | $767,749,500 | 202 |
| Average total loans | $7,483,441,500 | 153 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 1,905 |
| Cost of funding earning assets | 0.7807% | 420 |
| Net interest margin | 3.1514% | 3,017 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.4169% | 2,371 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.9116% | 2,912 |
| Return on assets (ROA) | 0.9118% | 2,852 |
| Pretax return on assets | 1.1658% | 2,545 |
| Return on Equity (ROE) | 10.0500% | 2,789 |
| Retained earnings to average equity (ytd only) | 4.8783% | 3,104 |
| Net charge-offs to loans | 0.0095% | 2,022 |
| Credit loss provision to net charge-offs | -795.3822% | 4,655 |
| Earnings coverage of net charge-offs (x) | 146.0207% | 801 |
| Efficiency ratio | 68.3361% | 1,922 |
| Assets per employee ($millions) | 10.2250% | 629 |
| Cash dividends to net income (ytd only)* | 51.4451% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 4,393 |
| Loan loss allowance to noncurrent loans | 221.6999% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 2,057 |
| Noncurrent loans to loans | 0.2512% | 2,269 |
| Net loans and leases to total assets | 79.3700% | 659 |
| Net loans and leases to deposits | 99.3582% | 464 |
| Net loans and leases to core deposits | 127.2780% | 258 |
| Total domestic deposits to total assets | 79.8800% | 3,894 |
| Equity capital to assets | 8.0576% | 3,030 |
| Core capital (leverage) ratio | 8.6278% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5908% | 2,535 |
| Memoranda: | ||
| Average total assets | $8,314,213,600 | 181 |
| Average earning assets | $7,825,181,800 | 175 |
| Average equity | $754,548,800 | 203 |
| Average total loans | $6,632,533,800 | 165 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 1,859 |
| Cost of funding earning assets | 0.4476% | 988 |
| Net interest margin | 3.3127% | 2,259 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.5065% | 2,002 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 1.0710% | 2,203 |
| Return on assets (ROA) | 1.0713% | 2,164 |
| Pretax return on assets | 1.3585% | 1,854 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.0188% | 2,353 |
| Net charge-offs to loans | 0.0068% | 1,904 |
| Credit loss provision to net charge-offs | -2,810.3976% | 4,740 |
| Earnings coverage of net charge-offs (x) | 223.5046% | 584 |
| Efficiency ratio | 67.1337% | 2,143 |
| Assets per employee ($millions) | 9.9063% | 677 |
| Cash dividends to net income (ytd only)* | 38.6088% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5198% | 4,454 |
| Loan loss allowance to noncurrent loans | 169.0993% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 1,883 |
| Noncurrent loans to loans | 0.3074% | 2,145 |
| Net loans and leases to total assets | 79.5700% | 566 |
| Net loans and leases to deposits | 108.8237% | 140 |
| Net loans and leases to core deposits | 121.7182% | 232 |
| Total domestic deposits to total assets | 73.1200% | 4,477 |
| Equity capital to assets | 8.2687% | 2,710 |
| Core capital (leverage) ratio | 9.1469% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5743% | 2,631 |
| Memoranda: | ||
| Average total assets | $8,058,909,750 | 183 |
| Average earning assets | $7,570,400,250 | 179 |
| Average equity | $755,133,250 | 199 |
| Average total loans | $6,428,026,000 | 164 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 1,929 |
| Cost of funding earning assets | 0.2096% | 2,788 |
| Net interest margin | 3.3612% | 1,712 |
| Noninterest income to average assets | 0.6051% | 1,718 |
| Noninterest expense to average assets | 2.6390% | 1,527 |
| Loan and lease loss provision to assets | -0.2328% | 4,701 |
| Net operating income to assets | 1.0800% | 1,856 |
| Return on assets (ROA) | 1.0815% | 1,829 |
| Pretax return on assets | 1.3532% | 1,575 |
| Return on Equity (ROE) | 11.0357% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.8116% | 2,046 |
| Net charge-offs to loans | 0.0107% | 1,588 |
| Credit loss provision to net charge-offs | -2,878.0488% | 3,708 |
| Earnings coverage of net charge-offs (x) | 131.8049% | 701 |
| Efficiency ratio | 69.8966% | 1,975 |
| Assets per employee ($millions) | 8.9422% | 903 |
| Cash dividends to net income (ytd only)* | 38.2766% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5483% | 4,508 |
| Loan loss allowance to noncurrent loans | 184.8983% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,006 |
| Noncurrent loans to loans | 0.2965% | 2,275 |
| Net loans and leases to total assets | 79.1780% | 467 |
| Net loans and leases to deposits | 109.0517% | 101 |
| Net loans and leases to core deposits | 115.7867% | 248 |
| Total domestic deposits to total assets | 72.6059% | 4,570 |
| Equity capital to assets | 8.7471% | 2,574 |
| Core capital (leverage) ratio | 9.7785% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2868% | 2,731 |
| Memoranda: | ||
| Average total assets | $7,730,380,667 | 189 |
| Average earning assets | $7,250,289,000 | 185 |
| Average equity | $757,558,333 | 200 |
| Average total loans | $6,159,351,667 | 165 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 1,712 |
| Cost of funding earning assets | 0.1386% | 3,650 |
| Net interest margin | 3.3892% | 1,326 |
| Noninterest income to average assets | 0.7166% | 1,260 |
| Noninterest expense to average assets | 2.8788% | 999 |
| Loan and lease loss provision to assets | -0.4920% | 4,759 |
| Net operating income to assets | 1.2148% | 1,211 |
| Return on assets (ROA) | 1.2180% | 1,190 |
| Pretax return on assets | 1.5084% | 1,002 |
| Return on Equity (ROE) | 11.6941% | 1,403 |
| Retained earnings to average equity (ytd only) | 8.0198% | 1,578 |
| Net charge-offs to loans | -0.0030% | 3,187 |
| Credit loss provision to net charge-offs | 20,961.3636% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6355% | 1,785 |
| Assets per employee ($millions) | 7.8188% | 1,480 |
| Cash dividends to net income (ytd only)* | 31.4197% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 4,473 |
| Loan loss allowance to noncurrent loans | 167.2205% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 1,842 |
| Noncurrent loans to loans | 0.3824% | 2,112 |
| Net loans and leases to total assets | 78.8737% | 306 |
| Net loans and leases to deposits | 93.2166% | 394 |
| Net loans and leases to core deposits | 97.7096% | 585 |
| Total domestic deposits to total assets | 84.6133% | 3,632 |
| Equity capital to assets | 9.9571% | 1,927 |
| Core capital (leverage) ratio | 10.3020% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2348% | 2,514 |
| Memoranda: | ||
| Average total assets | $7,316,730,500 | 203 |
| Average earning assets | $6,853,752,500 | 195 |
| Average equity | $762,062,000 | 203 |
| Average total loans | $5,832,451,000 | 168 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 2,090 |
| Cost of funding earning assets | 0.1747% | 3,718 |
| Net interest margin | 3.5341% | 1,638 |
| Noninterest income to average assets | 1.5208% | 490 |
| Noninterest expense to average assets | 2.9427% | 1,072 |
| Loan and lease loss provision to assets | -0.2082% | 4,711 |
| Net operating income to assets | 1.6506% | 706 |
| Return on assets (ROA) | 1.6516% | 742 |
| Pretax return on assets | 2.1000% | 496 |
| Return on Equity (ROE) | 15.3579% | 870 |
| Retained earnings to average equity (ytd only) | 1.2889% | 4,177 |
| Net charge-offs to loans | 0.0237% | 1,771 |
| Credit loss provision to net charge-offs | -1,166.2979% | 3,958 |
| Earnings coverage of net charge-offs (x) | 100.4388% | 882 |
| Efficiency ratio | 60.5488% | 3,073 |
| Assets per employee ($millions) | 7.4106% | 1,666 |
| Cash dividends to net income (ytd only)* | 91.6074% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 4,232 |
| Loan loss allowance to noncurrent loans | 193.3648% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 1,797 |
| Noncurrent loans to loans | 0.4252% | 2,072 |
| Net loans and leases to total assets | 79.4029% | 297 |
| Net loans and leases to deposits | 92.1224% | 463 |
| Net loans and leases to core deposits | 96.0611% | 687 |
| Total domestic deposits to total assets | 86.1929% | 2,837 |
| Equity capital to assets | 10.8938% | 1,862 |
| Core capital (leverage) ratio | 10.1080% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7723% | 2,331 |
| Memoranda: | ||
| Average total assets | $7,204,333,600 | 201 |
| Average earning assets | $6,752,297,400 | 196 |
| Average equity | $774,755,600 | 199 |
| Average total loans | $5,731,822,000 | 172 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 2,260 |
| Cost of funding earning assets | 0.1827% | 3,784 |
| Net interest margin | 3.5237% | 1,801 |
| Noninterest income to average assets | 1.5415% | 523 |
| Noninterest expense to average assets | 2.9455% | 1,049 |
| Loan and lease loss provision to assets | -0.1663% | 4,705 |
| Net operating income to assets | 1.6293% | 956 |
| Return on assets (ROA) | 1.6307% | 1,005 |
| Pretax return on assets | 2.0671% | 713 |
| Return on Equity (ROE) | 15.2124% | 1,107 |
| Retained earnings to average equity (ytd only) | 0.9051% | 4,430 |
| Net charge-offs to loans | -0.0020% | 3,217 |
| Credit loss provision to net charge-offs | 11,603.5294% | 69 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4656% | 2,916 |
| Assets per employee ($millions) | 7.5114% | 1,562 |
| Cash dividends to net income (ytd only)* | 94.0499% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,027 |
| Loan loss allowance to noncurrent loans | 162.1487% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 1,569 |
| Noncurrent loans to loans | 0.5816% | 1,858 |
| Net loans and leases to total assets | 78.1106% | 400 |
| Net loans and leases to deposits | 89.6353% | 627 |
| Net loans and leases to core deposits | 94.3257% | 814 |
| Total domestic deposits to total assets | 87.1427% | 2,296 |
| Equity capital to assets | 10.5737% | 2,397 |
| Core capital (leverage) ratio | 10.1731% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7112% | 2,467 |
| Memoranda: | ||
| Average total assets | $7,215,748,000 | 201 |
| Average earning assets | $6,763,863,750 | 196 |
| Average equity | $773,481,750 | 198 |
| Average total loans | $5,731,947,000 | 172 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 2,222 |
| Cost of funding earning assets | 0.1998% | 3,750 |
| Net interest margin | 3.5427% | 1,741 |
| Noninterest income to average assets | 1.7028% | 432 |
| Noninterest expense to average assets | 3.0384% | 921 |
| Loan and lease loss provision to assets | -0.1115% | 4,646 |
| Net operating income to assets | 1.6622% | 935 |
| Return on assets (ROA) | 1.6643% | 982 |
| Pretax return on assets | 2.0979% | 685 |
| Return on Equity (ROE) | 15.4544% | 1,055 |
| Retained earnings to average equity (ytd only) | -0.5887% | 4,571 |
| Net charge-offs to loans | -0.0042% | 3,376 |
| Credit loss provision to net charge-offs | 3,794.9580% | 173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1742% | 2,997 |
| Assets per employee ($millions) | 7.2165% | 1,651 |
| Cash dividends to net income (ytd only)* | 103.8091% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,599 |
| Loan loss allowance to noncurrent loans | 156.0224% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 1,465 |
| Noncurrent loans to loans | 0.6765% | 1,732 |
| Net loans and leases to total assets | 78.8314% | 389 |
| Net loans and leases to deposits | 91.8714% | 547 |
| Net loans and leases to core deposits | 96.9103% | 765 |
| Total domestic deposits to total assets | 85.8062% | 2,799 |
| Equity capital to assets | 10.8452% | 2,108 |
| Core capital (leverage) ratio | 9.9466% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3568% | 2,222 |
| Memoranda: | ||
| Average total assets | $7,177,279,667 | 202 |
| Average earning assets | $6,724,919,000 | 197 |
| Average equity | $772,916,667 | 197 |
| Average total loans | $5,715,622,000 | 177 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6802% | 2,409 |
| Cost of funding earning assets | 0.2257% | 3,672 |
| Net interest margin | 3.4545% | 1,950 |
| Noninterest income to average assets | 1.9593% | 392 |
| Noninterest expense to average assets | 3.0712% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7147% | 913 |
| Return on assets (ROA) | 1.7147% | 962 |
| Pretax return on assets | 2.1266% | 771 |
| Return on Equity (ROE) | 15.9785% | 1,016 |
| Retained earnings to average equity (ytd only) | -0.0600% | 4,373 |
| Net charge-offs to loans | -0.0086% | 3,618 |
| Credit loss provision to net charge-offs | 299.1935% | 765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7738% | 3,193 |
| Assets per employee ($millions) | 7.2121% | 1,635 |
| Cash dividends to net income (ytd only)* | 100.3756% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,379 |
| Loan loss allowance to noncurrent loans | 154.2892% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 1,581 |
| Noncurrent loans to loans | 0.7202% | 1,804 |
| Net loans and leases to total assets | 78.9563% | 404 |
| Net loans and leases to deposits | 92.5620% | 562 |
| Net loans and leases to core deposits | 99.2329% | 748 |
| Total domestic deposits to total assets | 85.3010% | 2,997 |
| Equity capital to assets | 10.6069% | 2,167 |
| Core capital (leverage) ratio | 10.0065% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8446% | 1,946 |
| Memoranda: | ||
| Average total assets | $7,204,559,500 | 200 |
| Average earning assets | $6,754,199,000 | 196 |
| Average equity | $773,139,000 | 195 |
| Average total loans | $5,736,016,000 | 178 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,074 |
| Cost of funding earning assets | 0.5677% | 2,518 |
| Net interest margin | 3.3158% | 3,030 |
| Noninterest income to average assets | 1.9053% | 354 |
| Noninterest expense to average assets | 3.2421% | 983 |
| Loan and lease loss provision to assets | 0.2818% | 1,352 |
| Net operating income to assets | 1.1575% | 1,696 |
| Return on assets (ROA) | 1.1613% | 1,800 |
| Pretax return on assets | 1.4815% | 1,405 |
| Return on Equity (ROE) | 10.9359% | 1,652 |
| Retained earnings to average equity (ytd only) | -0.0959% | 4,529 |
| Net charge-offs to loans | 0.0209% | 2,645 |
| Credit loss provision to net charge-offs | 1,713.5739% | 498 |
| Earnings coverage of net charge-offs (x) | 106.9184% | 754 |
| Efficiency ratio | 64.4465% | 2,748 |
| Assets per employee ($millions) | 7.1327% | 1,490 |
| Cash dividends to net income (ytd only)* | 100.8773% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 3,325 |
| Loan loss allowance to noncurrent loans | 124.5646% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 1,373 |
| Noncurrent loans to loans | 0.9043% | 1,563 |
| Net loans and leases to total assets | 78.4943% | 552 |
| Net loans and leases to deposits | 96.5199% | 522 |
| Net loans and leases to core deposits | 102.4833% | 789 |
| Total domestic deposits to total assets | 81.3245% | 3,799 |
| Equity capital to assets | 10.8561% | 2,379 |
| Core capital (leverage) ratio | 9.7904% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7621% | 1,947 |
| Memoranda: | ||
| Average total assets | $7,077,201,800 | 189 |
| Average earning assets | $6,606,543,200 | 184 |
| Average equity | $751,541,600 | 193 |
| Average total loans | $5,571,503,000 | 176 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 3,288 |
| Cost of funding earning assets | 0.6531% | 2,311 |
| Net interest margin | 3.2347% | 3,381 |
| Noninterest income to average assets | 1.8002% | 370 |
| Noninterest expense to average assets | 3.1449% | 1,161 |
| Loan and lease loss provision to assets | 0.3733% | 986 |
| Net operating income to assets | 1.0213% | 2,255 |
| Return on assets (ROA) | 1.0260% | 2,369 |
| Pretax return on assets | 1.3052% | 2,026 |
| Return on Equity (ROE) | 9.7171% | 2,125 |
| Retained earnings to average equity (ytd only) | -4.5422% | 4,831 |
| Net charge-offs to loans | 0.0086% | 2,803 |
| Credit loss provision to net charge-offs | 5,543.8202% | 199 |
| Earnings coverage of net charge-offs (x) | 248.3792% | 410 |
| Efficiency ratio | 64.8777% | 2,615 |
| Assets per employee ($millions) | 7.4877% | 1,223 |
| Cash dividends to net income (ytd only)* | 146.7443% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,139 |
| Loan loss allowance to noncurrent loans | 99.3950% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 1,249 |
| Noncurrent loans to loans | 1.1196% | 1,351 |
| Net loans and leases to total assets | 78.3427% | 792 |
| Net loans and leases to deposits | 98.5477% | 594 |
| Net loans and leases to core deposits | 104.4767% | 904 |
| Total domestic deposits to total assets | 79.4972% | 3,961 |
| Equity capital to assets | 10.2249% | 3,039 |
| Core capital (leverage) ratio | 9.4043% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9486% | 2,224 |
| Memoranda: | ||
| Average total assets | $7,049,056,750 | 189 |
| Average earning assets | $6,575,028,500 | 183 |
| Average equity | $744,294,250 | 193 |
| Average total loans | $5,537,413,250 | 174 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,478 |
| Cost of funding earning assets | 0.7902% | 1,874 |
| Net interest margin | 3.1559% | 3,776 |
| Noninterest income to average assets | 1.8053% | 338 |
| Noninterest expense to average assets | 3.1695% | 1,212 |
| Loan and lease loss provision to assets | 0.5605% | 587 |
| Net operating income to assets | 0.8017% | 3,040 |
| Return on assets (ROA) | 0.8092% | 3,127 |
| Pretax return on assets | 1.0217% | 2,961 |
| Return on Equity (ROE) | 7.5795% | 2,902 |
| Retained earnings to average equity (ytd only) | -6.0680% | 4,816 |
| Net charge-offs to loans | -0.0009% | 3,744 |
| Credit loss provision to net charge-offs | -77,852.0000% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4189% | 2,457 |
| Assets per employee ($millions) | 7.5144% | 1,172 |
| Cash dividends to net income (ytd only)* | 180.0584% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,859 |
| Loan loss allowance to noncurrent loans | 159.5131% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 2,041 |
| Noncurrent loans to loans | 0.7104% | 2,099 |
| Net loans and leases to total assets | 77.6404% | 899 |
| Net loans and leases to deposits | 99.6650% | 571 |
| Net loans and leases to core deposits | 104.7061% | 958 |
| Total domestic deposits to total assets | 77.9014% | 4,197 |
| Equity capital to assets | 10.2729% | 2,946 |
| Core capital (leverage) ratio | 9.7919% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0842% | 2,144 |
| Memoranda: | ||
| Average total assets | $6,945,280,333 | 188 |
| Average earning assets | $6,463,158,000 | 183 |
| Average equity | $741,528,000 | 195 |
| Average total loans | $5,439,478,667 | 174 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 3,514 |
| Cost of funding earning assets | 1.0647% | 1,165 |
| Net interest margin | 3.0403% | 4,213 |
| Noninterest income to average assets | 1.7609% | 309 |
| Noninterest expense to average assets | 3.2166% | 1,393 |
| Loan and lease loss provision to assets | 0.7542% | 337 |
| Net operating income to assets | 0.4846% | 3,933 |
| Return on assets (ROA) | 0.4899% | 3,976 |
| Pretax return on assets | 0.6115% | 3,900 |
| Return on Equity (ROE) | 4.4964% | 3,824 |
| Retained earnings to average equity (ytd only) | -20.7910% | 4,973 |
| Net charge-offs to loans | -0.0023% | 3,679 |
| Credit loss provision to net charge-offs | -42,523.3333% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8515% | 2,378 |
| Assets per employee ($millions) | 6.9056% | 1,139 |
| Cash dividends to net income (ytd only)* | 562.3944% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,118 |
| Loan loss allowance to noncurrent loans | 171.1053% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 2,345 |
| Noncurrent loans to loans | 0.6510% | 2,365 |
| Net loans and leases to total assets | 76.5535% | 1,204 |
| Net loans and leases to deposits | 97.6188% | 769 |
| Net loans and leases to core deposits | 104.6061% | 1,146 |
| Total domestic deposits to total assets | 78.4209% | 4,151 |
| Equity capital to assets | 10.6948% | 3,143 |
| Core capital (leverage) ratio | 10.0585% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9458% | 2,313 |
| Memoranda: | ||
| Average total assets | $6,765,939,000 | 188 |
| Average earning assets | $6,264,101,500 | 185 |
| Average equity | $737,127,000 | 197 |
| Average total loans | $5,291,306,000 | 178 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 3,319 |
| Cost of funding earning assets | 1.2659% | 849 |
| Net interest margin | 3.1083% | 4,347 |
| Noninterest income to average assets | 0.8821% | 1,214 |
| Noninterest expense to average assets | 2.9354% | 2,183 |
| Loan and lease loss provision to assets | -0.0018% | 4,904 |
| Net operating income to assets | 0.6683% | 3,957 |
| Return on assets (ROA) | 0.3354% | 4,730 |
| Pretax return on assets | 0.4769% | 4,612 |
| Return on Equity (ROE) | 3.0087% | 4,662 |
| Retained earnings to average equity (ytd only) | -11.1396% | 5,079 |
| Net charge-offs to loans | -0.0076% | 4,407 |
| Credit loss provision to net charge-offs | 28.9412% | 3,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7876% | 1,172 |
| Assets per employee ($millions) | 6.4673% | 1,307 |
| Cash dividends to net income (ytd only)* | 470.2462% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 4,365 |
| Loan loss allowance to noncurrent loans | 127.8057% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 2,311 |
| Noncurrent loans to loans | 0.6110% | 2,357 |
| Net loans and leases to total assets | 78.3761% | 1,013 |
| Net loans and leases to deposits | 98.9669% | 669 |
| Net loans and leases to core deposits | 108.8978% | 918 |
| Total domestic deposits to total assets | 79.1942% | 4,151 |
| Equity capital to assets | 11.0943% | 2,910 |
| Core capital (leverage) ratio | 10.5597% | 2,897 |
| Tier 1 risk-based capital ratio | 13.5046% | 3,523 |
| Total risk-based capital ratio | 14.3708% | 3,614 |
| Memoranda: | ||
| Average total assets | $6,973,336,800 | 176 |
| Average earning assets | $6,419,487,000 | 172 |
| Average equity | $777,479,200 | 185 |
| Average total loans | $5,557,929,200 | 166 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 3,348 |
| Cost of funding earning assets | 1.2739% | 851 |
| Net interest margin | 3.1292% | 4,431 |
| Noninterest income to average assets | 0.8193% | 1,361 |
| Noninterest expense to average assets | 2.9181% | 2,202 |
| Loan and lease loss provision to assets | 0.0331% | 3,247 |
| Net operating income to assets | 0.6339% | 4,202 |
| Return on assets (ROA) | 0.2315% | 4,936 |
| Pretax return on assets | 0.3420% | 4,862 |
| Return on Equity (ROE) | 2.0735% | 4,889 |
| Retained earnings to average equity (ytd only) | -16.6325% | 5,193 |
| Net charge-offs to loans | -0.0053% | 4,219 |
| Credit loss provision to net charge-offs | -786.0360% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3240% | 1,067 |
| Assets per employee ($millions) | 6.1437% | 1,500 |
| Cash dividends to net income (ytd only)* | 902.1568% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,409 |
| Loan loss allowance to noncurrent loans | 128.3182% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 2,358 |
| Noncurrent loans to loans | 0.6238% | 2,413 |
| Net loans and leases to total assets | 79.2255% | 960 |
| Net loans and leases to deposits | 92.4801% | 1,375 |
| Net loans and leases to core deposits | 110.9559% | 900 |
| Total domestic deposits to total assets | 85.6676% | 2,131 |
| Equity capital to assets | 10.9645% | 3,126 |
| Core capital (leverage) ratio | 10.1727% | 3,455 |
| Tier 1 risk-based capital ratio | 13.4536% | 3,599 |
| Total risk-based capital ratio | 14.3719% | 3,688 |
| Memoranda: | ||
| Average total assets | $7,023,845,000 | 176 |
| Average earning assets | $6,457,141,750 | 173 |
| Average equity | $784,042,250 | 187 |
| Average total loans | $5,610,197,500 | 166 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 3,419 |
| Cost of funding earning assets | 1.2431% | 887 |
| Net interest margin | 3.1264% | 4,491 |
| Noninterest income to average assets | 0.6271% | 2,032 |
| Noninterest expense to average assets | 2.8331% | 2,478 |
| Loan and lease loss provision to assets | 0.0442% | 2,939 |
| Net operating income to assets | 0.5234% | 4,472 |
| Return on assets (ROA) | -0.0779% | 5,130 |
| Pretax return on assets | 0.0164% | 5,103 |
| Return on Equity (ROE) | -0.6943% | 5,134 |
| Retained earnings to average equity (ytd only) | -22.0230% | 5,257 |
| Net charge-offs to loans | -0.0076% | 4,242 |
| Credit loss provision to net charge-offs | -726.3889% | 4,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4116% | 936 |
| Assets per employee ($millions) | 6.0025% | 1,543 |
| Cash dividends to net income (ytd only)* | -3,071.9190% | 5,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 4,611 |
| Loan loss allowance to noncurrent loans | 119.7044% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 2,347 |
| Noncurrent loans to loans | 0.6234% | 2,392 |
| Net loans and leases to total assets | 80.3437% | 832 |
| Net loans and leases to deposits | 99.2914% | 731 |
| Net loans and leases to core deposits | 119.1082% | 571 |
| Total domestic deposits to total assets | 80.9171% | 3,838 |
| Equity capital to assets | 10.4586% | 3,550 |
| Core capital (leverage) ratio | 9.8559% | 3,750 |
| Tier 1 risk-based capital ratio | 13.2567% | 3,709 |
| Total risk-based capital ratio | 14.1513% | 3,790 |
| Memoranda: | ||
| Average total assets | $7,100,166,330 | 175 |
| Average earning assets | $6,513,869,330 | 173 |
| Average equity | $797,049,000 | 185 |
| Average total loans | $5,671,358,330 | 164 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 3,577 |
| Cost of funding earning assets | 1.1981% | 908 |
| Net interest margin | 3.0971% | 4,601 |
| Noninterest income to average assets | 0.3069% | 3,823 |
| Noninterest expense to average assets | 2.5767% | 3,277 |
| Loan and lease loss provision to assets | 0.0896% | 1,917 |
| Net operating income to assets | 0.3770% | 4,777 |
| Return on assets (ROA) | -0.0174% | 5,156 |
| Pretax return on assets | 0.0735% | 5,113 |
| Return on Equity (ROE) | -0.1496% | 5,157 |
| Retained earnings to average equity (ytd only) | -0.1496% | 4,552 |
| Net charge-offs to loans | -0.0088% | 4,186 |
| Credit loss provision to net charge-offs | -1,276.6129% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5396% | 916 |
| Assets per employee ($millions) | 3.7465% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 4,658 |
| Loan loss allowance to noncurrent loans | 96.1218% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,104 |
| Noncurrent loans to loans | 0.7807% | 2,080 |
| Net loans and leases to total assets | 80.0116% | 833 |
| Net loans and leases to deposits | 105.3429% | 342 |
| Net loans and leases to core deposits | 124.8020% | 410 |
| Total domestic deposits to total assets | 75.9535% | 4,765 |
| Equity capital to assets | 11.5674% | 2,334 |
| Core capital (leverage) ratio | 11.1678% | 2,415 |
| Tier 1 risk-based capital ratio | 14.8805% | 2,927 |
| Total risk-based capital ratio | 15.7742% | 3,020 |
| Memoranda: | ||
| Average total assets | $7,069,788,000 | 177 |
| Average earning assets | $6,460,110,500 | 175 |
| Average equity | $821,108,500 | 184 |
| Average total loans | $5,608,735,500 | 167 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 2,880 |
| Cost of funding earning assets | 0.9758% | 828 |
| Net interest margin | 3.3886% | 4,028 |
| Noninterest income to average assets | 3.1627% | 147 |
| Noninterest expense to average assets | 5.3708% | 162 |
| Loan and lease loss provision to assets | 0.0407% | 3,377 |
| Net operating income to assets | 0.7812% | 3,875 |
| Return on assets (ROA) | 0.7844% | 3,860 |
| Pretax return on assets | 0.8273% | 4,099 |
| Return on Equity (ROE) | 6.9323% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.7192% | 2,345 |
| Net charge-offs to loans | -0.0148% | 4,605 |
| Credit loss provision to net charge-offs | -355.5975% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7566% | 541 |
| Assets per employee ($millions) | 3.4943% | 4,553 |
| Cash dividends to net income (ytd only)* | 17.4994% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 4,652 |
| Loan loss allowance to noncurrent loans | 81.9626% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 1,870 |
| Noncurrent loans to loans | 0.9260% | 1,734 |
| Net loans and leases to total assets | 77.4344% | 1,367 |
| Net loans and leases to deposits | 106.9791% | 336 |
| Net loans and leases to core deposits | 129.1706% | 337 |
| Total domestic deposits to total assets | 72.3827% | 5,053 |
| Equity capital to assets | 11.6621% | 2,129 |
| Core capital (leverage) ratio | 10.1501% | 3,407 |
| Tier 1 risk-based capital ratio | 13.8182% | 3,374 |
| Total risk-based capital ratio | 14.7170% | 3,470 |
| Memoranda: | ||
| Average total assets | $6,937,863,000 | 180 |
| Average earning assets | $6,291,231,800 | 174 |
| Average equity | $785,007,200 | 181 |
| Average total loans | $5,375,886,400 | 167 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 3,049 |
| Cost of funding earning assets | 0.8997% | 926 |
| Net interest margin | 3.3779% | 4,073 |
| Noninterest income to average assets | 3.3664% | 143 |
| Noninterest expense to average assets | 5.6262% | 150 |
| Loan and lease loss provision to assets | 0.0453% | 3,082 |
| Net operating income to assets | 0.6055% | 4,485 |
| Return on assets (ROA) | 0.6091% | 4,487 |
| Pretax return on assets | 0.7610% | 4,398 |
| Return on Equity (ROE) | 5.4254% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.7914% | 3,878 |
| Net charge-offs to loans | -0.0059% | 4,259 |
| Credit loss provision to net charge-offs | -992.8270% | 4,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1612% | 448 |
| Assets per employee ($millions) | 3.4552% | 4,615 |
| Cash dividends to net income (ytd only)* | 30.1161% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,783 |
| Loan loss allowance to noncurrent loans | 82.7105% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 2,042 |
| Noncurrent loans to loans | 0.8936% | 1,908 |
| Net loans and leases to total assets | 77.7723% | 1,378 |
| Net loans and leases to deposits | 104.9393% | 488 |
| Net loans and leases to core deposits | 125.3994% | 430 |
| Total domestic deposits to total assets | 74.1117% | 4,968 |
| Equity capital to assets | 11.2327% | 2,443 |
| Core capital (leverage) ratio | 9.6988% | 3,942 |
| Tier 1 risk-based capital ratio | 13.2637% | 3,748 |
| Total risk-based capital ratio | 14.1454% | 3,868 |
| Memoranda: | ||
| Average total assets | $6,921,691,500 | 180 |
| Average earning assets | $6,273,663,250 | 174 |
| Average equity | $777,097,750 | 181 |
| Average total loans | $5,353,896,000 | 167 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 3,184 |
| Cost of funding earning assets | 0.8351% | 986 |
| Net interest margin | 3.3410% | 4,133 |
| Noninterest income to average assets | 3.5205% | 133 |
| Noninterest expense to average assets | 5.8519% | 145 |
| Loan and lease loss provision to assets | 0.0440% | 3,019 |
| Net operating income to assets | 0.5088% | 4,731 |
| Return on assets (ROA) | 0.5143% | 4,722 |
| Pretax return on assets | 0.6552% | 4,627 |
| Return on Equity (ROE) | 4.5813% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.1084% | 4,005 |
| Net charge-offs to loans | -0.0043% | 4,067 |
| Credit loss provision to net charge-offs | -1,319.1304% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0623% | 408 |
| Assets per employee ($millions) | 3.1606% | 4,970 |
| Cash dividends to net income (ytd only)* | 32.1499% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 4,901 |
| Loan loss allowance to noncurrent loans | 77.8632% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 2,030 |
| Noncurrent loans to loans | 0.9233% | 1,877 |
| Net loans and leases to total assets | 76.5610% | 1,553 |
| Net loans and leases to deposits | 106.0523% | 431 |
| Net loans and leases to core deposits | 122.5909% | 499 |
| Total domestic deposits to total assets | 72.1917% | 5,169 |
| Equity capital to assets | 10.9228% | 2,708 |
| Core capital (leverage) ratio | 9.7205% | 3,861 |
| Tier 1 risk-based capital ratio | 12.6934% | 4,064 |
| Total risk-based capital ratio | 13.5153% | 4,207 |
| Memoranda: | ||
| Average total assets | $6,901,296,670 | 179 |
| Average earning assets | $6,245,757,000 | 174 |
| Average equity | $774,674,000 | 181 |
| Average total loans | $5,314,801,670 | 165 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 3,279 |
| Cost of funding earning assets | 0.7567% | 1,155 |
| Net interest margin | 3.3303% | 4,102 |
| Noninterest income to average assets | 3.3346% | 139 |
| Noninterest expense to average assets | 5.6991% | 153 |
| Loan and lease loss provision to assets | 0.0390% | 2,968 |
| Net operating income to assets | 0.4598% | 4,790 |
| Return on assets (ROA) | 0.4702% | 4,769 |
| Pretax return on assets | 0.6162% | 4,653 |
| Return on Equity (ROE) | 4.1303% | 4,737 |
| Retained earnings to average equity (ytd only) | 1.1786% | 4,581 |
| Net charge-offs to loans | -0.0445% | 4,918 |
| Credit loss provision to net charge-offs | -114.1136% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4963% | 466 |
| Assets per employee ($millions) | 2.8870% | 5,225 |
| Cash dividends to net income (ytd only)* | 71.4644% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7379% | 4,948 |
| Loan loss allowance to noncurrent loans | 78.7934% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 2,075 |
| Noncurrent loans to loans | 0.9364% | 1,950 |
| Net loans and leases to total assets | 76.4076% | 1,479 |
| Net loans and leases to deposits | 103.6704% | 498 |
| Net loans and leases to core deposits | 116.9492% | 694 |
| Total domestic deposits to total assets | 73.7024% | 5,182 |
| Equity capital to assets | 11.1822% | 2,400 |
| Core capital (leverage) ratio | 9.5848% | 3,979 |
| Tier 1 risk-based capital ratio | 12.3040% | 4,376 |
| Total risk-based capital ratio | 13.0945% | 4,537 |
| Memoranda: | ||
| Average total assets | $6,791,499,000 | 181 |
| Average earning assets | $6,131,598,500 | 175 |
| Average equity | $773,109,500 | 183 |
| Average total loans | $5,226,550,000 | 166 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 3,139 |
| Cost of funding earning assets | 0.6309% | 1,411 |
| Net interest margin | 3.4465% | 3,700 |
| Noninterest income to average assets | 4.5923% | 117 |
| Noninterest expense to average assets | 6.5438% | 132 |
| Loan and lease loss provision to assets | 0.0114% | 4,054 |
| Net operating income to assets | 1.0886% | 1,892 |
| Return on assets (ROA) | 1.0957% | 1,889 |
| Pretax return on assets | 1.1529% | 2,972 |
| Return on Equity (ROE) | 9.7127% | 2,010 |
| Retained earnings to average equity (ytd only) | 9.1682% | 476 |
| Net charge-offs to loans | -0.0635% | 5,251 |
| Credit loss provision to net charge-offs | -23.9845% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6366% | 720 |
| Assets per employee ($millions) | 2.7699% | 5,349 |
| Cash dividends to net income (ytd only)* | 5.6064% | 4,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 4,990 |
| Loan loss allowance to noncurrent loans | 72.4886% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 1,875 |
| Noncurrent loans to loans | 1.0128% | 1,753 |
| Net loans and leases to total assets | 76.3736% | 1,527 |
| Net loans and leases to deposits | 107.0512% | 352 |
| Net loans and leases to core deposits | 117.6860% | 663 |
| Total domestic deposits to total assets | 71.3431% | 5,350 |
| Equity capital to assets | 11.5902% | 2,122 |
| Core capital (leverage) ratio | 9.6739% | 3,844 |
| Tier 1 risk-based capital ratio | 13.2205% | 3,777 |
| Total risk-based capital ratio | 14.0163% | 3,949 |
| Memoranda: | ||
| Average total assets | $6,511,399,000 | 179 |
| Average earning assets | $5,872,556,600 | 178 |
| Average equity | $734,574,000 | 180 |
| Average total loans | $4,886,395,600 | 166 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 3,349 |
| Cost of funding earning assets | 0.5956% | 1,557 |
| Net interest margin | 3.4066% | 3,830 |
| Noninterest income to average assets | 4.7487% | 119 |
| Noninterest expense to average assets | 6.6691% | 127 |
| Loan and lease loss provision to assets | 0.0180% | 3,787 |
| Net operating income to assets | 0.7841% | 3,586 |
| Return on assets (ROA) | 0.7967% | 3,581 |
| Pretax return on assets | 1.1506% | 3,113 |
| Return on Equity (ROE) | 7.1130% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.3764% | 2,021 |
| Net charge-offs to loans | -0.0603% | 5,221 |
| Credit loss provision to net charge-offs | -40.0917% | 4,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8996% | 693 |
| Assets per employee ($millions) | 2.7685% | 5,404 |
| Cash dividends to net income (ytd only)* | 10.3552% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 5,113 |
| Loan loss allowance to noncurrent loans | 70.8400% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 1,950 |
| Noncurrent loans to loans | 1.0057% | 1,933 |
| Net loans and leases to total assets | 76.4497% | 1,511 |
| Net loans and leases to deposits | 110.1937% | 268 |
| Net loans and leases to core deposits | 120.8834% | 559 |
| Total domestic deposits to total assets | 69.3776% | 5,495 |
| Equity capital to assets | 11.0410% | 2,827 |
| Core capital (leverage) ratio | 9.8568% | 3,743 |
| Tier 1 risk-based capital ratio | 12.8837% | 4,094 |
| Total risk-based capital ratio | 13.6454% | 4,292 |
| Memoranda: | ||
| Average total assets | $6,464,138,250 | 178 |
| Average earning assets | $5,826,734,000 | 177 |
| Average equity | $724,068,250 | 180 |
| Average total loans | $4,819,190,500 | 171 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 3,547 |
| Cost of funding earning assets | 0.5742% | 1,616 |
| Net interest margin | 3.3255% | 4,030 |
| Noninterest income to average assets | 4.7265% | 121 |
| Noninterest expense to average assets | 6.6642% | 135 |
| Loan and lease loss provision to assets | 0.0135% | 3,682 |
| Net operating income to assets | 0.7160% | 3,769 |
| Return on assets (ROA) | 0.7280% | 3,783 |
| Pretax return on assets | 1.0613% | 3,336 |
| Return on Equity (ROE) | 6.4667% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.4667% | 1,868 |
| Net charge-offs to loans | -0.0727% | 5,313 |
| Credit loss provision to net charge-offs | -25.1465% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8973% | 694 |
| Assets per employee ($millions) | 2.5988% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 5,147 |
| Loan loss allowance to noncurrent loans | 73.2982% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8626% | 2,055 |
| Noncurrent loans to loans | 0.9905% | 1,985 |
| Net loans and leases to total assets | 75.5063% | 1,611 |
| Net loans and leases to deposits | 103.7745% | 505 |
| Net loans and leases to core deposits | 116.3051% | 696 |
| Total domestic deposits to total assets | 72.7600% | 5,406 |
| Equity capital to assets | 11.1955% | 2,599 |
| Core capital (leverage) ratio | 10.1336% | 3,362 |
| Tier 1 risk-based capital ratio | 13.2316% | 3,853 |
| Total risk-based capital ratio | 14.0099% | 4,050 |
| Memoranda: | ||
| Average total assets | $6,367,110,000 | 181 |
| Average earning assets | $5,734,264,000 | 180 |
| Average equity | $716,810,000 | 180 |
| Average total loans | $4,691,785,330 | 175 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,353 |
| Cost of funding earning assets | 0.5753% | 1,540 |
| Net interest margin | 3.3390% | 3,887 |
| Noninterest income to average assets | 4.5773% | 131 |
| Noninterest expense to average assets | 6.6030% | 139 |
| Loan and lease loss provision to assets | -0.0028% | 5,639 |
| Net operating income to assets | 0.5779% | 4,248 |
| Return on assets (ROA) | 0.5781% | 4,292 |
| Pretax return on assets | 0.9836% | 3,437 |
| Return on Equity (ROE) | 5.1205% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.1205% | 2,819 |
| Net charge-offs to loans | -0.0684% | 5,315 |
| Credit loss provision to net charge-offs | 5.6555% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6401% | 748 |
| Assets per employee ($millions) | 2.4843% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 5,157 |
| Loan loss allowance to noncurrent loans | 65.2509% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 1,874 |
| Noncurrent loans to loans | 1.1750% | 1,730 |
| Net loans and leases to total assets | 70.7212% | 2,262 |
| Net loans and leases to deposits | 97.4461% | 815 |
| Net loans and leases to core deposits | 107.3595% | 1,011 |
| Total domestic deposits to total assets | 72.5746% | 5,513 |
| Equity capital to assets | 11.2433% | 2,389 |
| Core capital (leverage) ratio | 9.9979% | 3,502 |
| Tier 1 risk-based capital ratio | 13.1832% | 3,965 |
| Total risk-based capital ratio | 13.9476% | 4,163 |
| Memoranda: | ||
| Average total assets | $6,278,767,000 | 183 |
| Average earning assets | $5,652,608,000 | 181 |
| Average equity | $708,909,000 | 181 |
| Average total loans | $4,549,120,000 | 179 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 3,016 |
| Cost of funding earning assets | 0.4877% | 2,186 |
| Net interest margin | 3.5632% | 3,210 |
| Noninterest income to average assets | 5.9815% | 100 |
| Noninterest expense to average assets | 7.4844% | 117 |
| Loan and lease loss provision to assets | 0.0738% | 2,874 |
| Net operating income to assets | 1.0443% | 2,164 |
| Return on assets (ROA) | 1.0728% | 2,125 |
| Pretax return on assets | 1.7147% | 964 |
| Return on Equity (ROE) | 10.0419% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.2725% | 529 |
| Net charge-offs to loans | -0.0115% | 4,971 |
| Credit loss provision to net charge-offs | -835.2475% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6903% | 1,338 |
| Assets per employee ($millions) | 2.4536% | 5,677 |
| Cash dividends to net income (ytd only)* | 7.6618% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 5,252 |
| Loan loss allowance to noncurrent loans | 55.3870% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,666 |
| Noncurrent loans to loans | 1.3440% | 1,528 |
| Net loans and leases to total assets | 73.1189% | 1,996 |
| Net loans and leases to deposits | 101.9600% | 536 |
| Net loans and leases to core deposits | 109.8754% | 908 |
| Total domestic deposits to total assets | 71.7134% | 5,584 |
| Equity capital to assets | 11.3391% | 2,298 |
| Core capital (leverage) ratio | 10.2556% | 3,166 |
| Tier 1 risk-based capital ratio | 13.9189% | 3,509 |
| Total risk-based capital ratio | 14.6907% | 3,705 |
| Memoranda: | ||
| Average total assets | $5,714,561,800 | 185 |
| Average earning assets | $5,207,361,400 | 183 |
| Average equity | $610,483,200 | 190 |
| Average total loans | $4,377,471,800 | 177 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,146 |
| Cost of funding earning assets | 0.4720% | 2,345 |
| Net interest margin | 3.5482% | 3,281 |
| Noninterest income to average assets | 6.5284% | 93 |
| Noninterest expense to average assets | 7.4825% | 118 |
| Loan and lease loss provision to assets | 0.0923% | 2,384 |
| Net operating income to assets | 1.3699% | 1,126 |
| Return on assets (ROA) | 1.3721% | 1,191 |
| Pretax return on assets | 2.1988% | 386 |
| Return on Equity (ROE) | 13.0667% | 1,035 |
| Retained earnings to average equity (ytd only) | 12.0005% | 305 |
| Net charge-offs to loans | -0.0254% | 5,095 |
| Credit loss provision to net charge-offs | -470.0243% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1862% | 1,951 |
| Assets per employee ($millions) | 2.5678% | 5,695 |
| Cash dividends to net income (ytd only)* | 8.1600% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7242% | 5,376 |
| Loan loss allowance to noncurrent loans | 58.5493% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.0665% | 1,927 |
| Noncurrent loans to loans | 1.2368% | 1,814 |
| Net loans and leases to total assets | 75.2334% | 1,665 |
| Net loans and leases to deposits | 102.9377% | 507 |
| Net loans and leases to core deposits | 110.7882% | 873 |
| Total domestic deposits to total assets | 73.0864% | 5,514 |
| Equity capital to assets | 10.6761% | 3,376 |
| Core capital (leverage) ratio | 9.9090% | 3,683 |
| Tier 1 risk-based capital ratio | 13.6129% | 3,794 |
| Total risk-based capital ratio | 14.4060% | 3,971 |
| Memoranda: | ||
| Average total assets | $5,593,130,000 | 187 |
| Average earning assets | $5,110,202,500 | 184 |
| Average equity | $587,339,750 | 193 |
| Average total loans | $4,329,943,000 | 178 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 3,513 |
| Cost of funding earning assets | 0.4469% | 2,597 |
| Net interest margin | 3.4798% | 3,565 |
| Noninterest income to average assets | 6.2195% | 98 |
| Noninterest expense to average assets | 7.5430% | 120 |
| Loan and lease loss provision to assets | 0.0940% | 2,275 |
| Net operating income to assets | 1.1187% | 1,891 |
| Return on assets (ROA) | 1.1210% | 1,991 |
| Pretax return on assets | 1.7625% | 952 |
| Return on Equity (ROE) | 10.7437% | 1,742 |
| Retained earnings to average equity (ytd only) | 9.0746% | 828 |
| Net charge-offs to loans | -0.0400% | 5,265 |
| Credit loss provision to net charge-offs | -301.1876% | 4,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8627% | 1,509 |
| Assets per employee ($millions) | 2.5530% | 5,762 |
| Cash dividends to net income (ytd only)* | 15.5360% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 5,468 |
| Loan loss allowance to noncurrent loans | 70.1797% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 2,125 |
| Noncurrent loans to loans | 1.0330% | 2,215 |
| Net loans and leases to total assets | 75.5970% | 1,554 |
| Net loans and leases to deposits | 104.5516% | 434 |
| Net loans and leases to core deposits | 114.9270% | 684 |
| Total domestic deposits to total assets | 72.3060% | 5,652 |
| Equity capital to assets | 10.6484% | 3,472 |
| Core capital (leverage) ratio | 10.2822% | 3,225 |
| Tier 1 risk-based capital ratio | 13.5250% | 3,888 |
| Total risk-based capital ratio | 14.3309% | 4,072 |
| Memoranda: | ||
| Average total assets | $5,393,845,000 | 189 |
| Average earning assets | $4,923,636,330 | 188 |
| Average equity | $562,801,670 | 199 |
| Average total loans | $4,209,368,670 | 181 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,576 |
| Cost of funding earning assets | 0.4316% | 2,756 |
| Net interest margin | 3.4734% | 3,577 |
| Noninterest income to average assets | 5.4349% | 109 |
| Noninterest expense to average assets | 7.5395% | 123 |
| Loan and lease loss provision to assets | 0.1296% | 1,634 |
| Net operating income to assets | 0.6165% | 4,110 |
| Return on assets (ROA) | 0.6183% | 4,219 |
| Pretax return on assets | 0.9324% | 3,718 |
| Return on Equity (ROE) | 5.9970% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.6337% | 3,676 |
| Net charge-offs to loans | -0.0358% | 5,149 |
| Credit loss provision to net charge-offs | -456.8681% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1987% | 874 |
| Assets per employee ($millions) | 2.4002% | 5,895 |
| Cash dividends to net income (ytd only)* | 39.4077% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 5,526 |
| Loan loss allowance to noncurrent loans | 64.5211% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 1,963 |
| Noncurrent loans to loans | 1.1412% | 2,123 |
| Net loans and leases to total assets | 78.2502% | 1,071 |
| Net loans and leases to deposits | 109.9292% | 231 |
| Net loans and leases to core deposits | 119.1847% | 486 |
| Total domestic deposits to total assets | 71.1824% | 5,811 |
| Equity capital to assets | 10.4412% | 3,565 |
| Core capital (leverage) ratio | 10.1701% | 3,348 |
| Tier 1 risk-based capital ratio | 13.0854% | 4,207 |
| Total risk-based capital ratio | 13.9284% | 4,380 |
| Memoranda: | ||
| Average total assets | $5,133,151,000 | 201 |
| Average earning assets | $4,675,781,000 | 197 |
| Average equity | $529,262,500 | 208 |
| Average total loans | $4,061,855,500 | 185 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 3,586 |
| Cost of funding earning assets | 0.3770% | 3,403 |
| Net interest margin | 3.5570% | 3,295 |
| Noninterest income to average assets | 6.0352% | 104 |
| Noninterest expense to average assets | 7.8070% | 114 |
| Loan and lease loss provision to assets | 0.1147% | 2,088 |
| Net operating income to assets | 1.0057% | 2,333 |
| Return on assets (ROA) | 1.0453% | 2,235 |
| Pretax return on assets | 1.4030% | 1,886 |
| Return on Equity (ROE) | 10.3731% | 1,856 |
| Retained earnings to average equity (ytd only) | 7.5008% | 1,100 |
| Net charge-offs to loans | -0.0560% | 5,588 |
| Credit loss provision to net charge-offs | -256.6093% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7450% | 1,203 |
| Assets per employee ($millions) | 2.2964% | 5,971 |
| Cash dividends to net income (ytd only)* | 27.6897% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 5,514 |
| Loan loss allowance to noncurrent loans | 54.4393% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 1,540 |
| Noncurrent loans to loans | 1.3889% | 1,687 |
| Net loans and leases to total assets | 78.8602% | 1,012 |
| Net loans and leases to deposits | 118.3986% | 116 |
| Net loans and leases to core deposits | 126.2583% | 328 |
| Total domestic deposits to total assets | 66.6057% | 6,006 |
| Equity capital to assets | 10.1662% | 3,787 |
| Core capital (leverage) ratio | 9.4519% | 4,245 |
| Tier 1 risk-based capital ratio | 13.0271% | 4,291 |
| Total risk-based capital ratio | 13.9056% | 4,437 |
| Memoranda: | ||
| Average total assets | $4,553,443,600 | 209 |
| Average earning assets | $4,143,468,400 | 206 |
| Average equity | $458,870,600 | 227 |
| Average total loans | $3,630,756,200 | 186 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 3,762 |
| Cost of funding earning assets | 0.3675% | 3,576 |
| Net interest margin | 3.5238% | 3,452 |
| Noninterest income to average assets | 6.3121% | 104 |
| Noninterest expense to average assets | 7.8905% | 115 |
| Loan and lease loss provision to assets | 0.1114% | 2,024 |
| Net operating income to assets | 1.1602% | 1,797 |
| Return on assets (ROA) | 1.1829% | 1,779 |
| Pretax return on assets | 1.5487% | 1,541 |
| Return on Equity (ROE) | 11.7660% | 1,442 |
| Retained earnings to average equity (ytd only) | 10.1206% | 613 |
| Net charge-offs to loans | -0.0434% | 5,501 |
| Credit loss provision to net charge-offs | -321.7728% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4357% | 1,338 |
| Assets per employee ($millions) | 2.3772% | 6,022 |
| Cash dividends to net income (ytd only)* | 13.9841% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6864% | 5,758 |
| Loan loss allowance to noncurrent loans | 49.2878% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 1,690 |
| Noncurrent loans to loans | 1.3926% | 1,832 |
| Net loans and leases to total assets | 78.5882% | 1,010 |
| Net loans and leases to deposits | 117.2471% | 135 |
| Net loans and leases to core deposits | 125.5545% | 347 |
| Total domestic deposits to total assets | 67.0278% | 6,068 |
| Equity capital to assets | 10.0667% | 4,084 |
| Core capital (leverage) ratio | 9.6871% | 4,045 |
| Tier 1 risk-based capital ratio | 13.3473% | 4,218 |
| Total risk-based capital ratio | 14.1545% | 4,405 |
| Memoranda: | ||
| Average total assets | $4,473,546,250 | 215 |
| Average earning assets | $4,073,349,750 | 209 |
| Average equity | $449,737,250 | 232 |
| Average total loans | $3,570,404,750 | 190 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 3,791 |
| Cost of funding earning assets | 0.3651% | 3,647 |
| Net interest margin | 3.5078% | 3,465 |
| Noninterest income to average assets | 6.8143% | 100 |
| Noninterest expense to average assets | 8.1966% | 108 |
| Loan and lease loss provision to assets | 0.1545% | 1,376 |
| Net operating income to assets | 1.1723% | 1,688 |
| Return on assets (ROA) | 1.1723% | 1,761 |
| Pretax return on assets | 1.6583% | 1,171 |
| Return on Equity (ROE) | 11.6664% | 1,480 |
| Retained earnings to average equity (ytd only) | 9.7049% | 728 |
| Net charge-offs to loans | -0.0246% | 5,240 |
| Credit loss provision to net charge-offs | -785.8491% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4794% | 1,562 |
| Assets per employee ($millions) | 2.4862% | 6,038 |
| Cash dividends to net income (ytd only)* | 16.8137% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 5,881 |
| Loan loss allowance to noncurrent loans | 48.6285% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 1,724 |
| Noncurrent loans to loans | 1.3597% | 1,987 |
| Net loans and leases to total assets | 79.9672% | 808 |
| Net loans and leases to deposits | 116.0491% | 147 |
| Net loans and leases to core deposits | 125.2572% | 350 |
| Total domestic deposits to total assets | 68.9081% | 6,080 |
| Equity capital to assets | 9.9753% | 4,068 |
| Core capital (leverage) ratio | 9.4627% | 4,323 |
| Tier 1 risk-based capital ratio | 13.1683% | 4,415 |
| Total risk-based capital ratio | 13.9683% | 4,594 |
| Memoranda: | ||
| Average total assets | $4,312,545,000 | 221 |
| Average earning assets | $3,928,062,000 | 217 |
| Average equity | $433,328,670 | 239 |
| Average total loans | $3,453,145,000 | 195 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 4,743 |
| Cost of funding earning assets | 0.3780% | 3,554 |
| Net interest margin | 3.2056% | 4,593 |
| Noninterest income to average assets | 7.3937% | 96 |
| Noninterest expense to average assets | 8.4895% | 109 |
| Loan and lease loss provision to assets | 0.2757% | 559 |
| Net operating income to assets | 1.1663% | 1,647 |
| Return on assets (ROA) | 1.1663% | 1,751 |
| Pretax return on assets | 1.5535% | 1,377 |
| Return on Equity (ROE) | 11.5572% | 1,464 |
| Retained earnings to average equity (ytd only) | 8.9130% | 1,227 |
| Net charge-offs to loans | -0.0129% | 4,838 |
| Credit loss provision to net charge-offs | -2,682.6923% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9506% | 1,627 |
| Assets per employee ($millions) | 2.5266% | 6,091 |
| Cash dividends to net income (ytd only)* | 22.8794% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 5,957 |
| Loan loss allowance to noncurrent loans | 47.3733% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.4911% | 1,765 |
| Noncurrent loans to loans | 1.4144% | 2,030 |
| Net loans and leases to total assets | 80.6320% | 616 |
| Net loans and leases to deposits | 110.0772% | 221 |
| Net loans and leases to core deposits | 118.5799% | 441 |
| Total domestic deposits to total assets | 73.2504% | 5,958 |
| Equity capital to assets | 10.3778% | 3,683 |
| Core capital (leverage) ratio | 11.4691% | 2,022 |
| Tier 1 risk-based capital ratio | 13.7475% | 4,191 |
| Total risk-based capital ratio | 14.5670% | 4,335 |
| Memoranda: | ||
| Average total assets | $4,047,287,000 | 228 |
| Average earning assets | $3,693,188,500 | 220 |
| Average equity | $408,439,000 | 241 |
| Average total loans | $3,230,400,000 | 199 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,732 |
| Cost of funding earning assets | 0.4006% | 3,683 |
| Net interest margin | 3.3156% | 4,525 |
| Noninterest income to average assets | 5.6710% | 109 |
| Noninterest expense to average assets | 7.5376% | 122 |
| Loan and lease loss provision to assets | -0.0405% | 6,000 |
| Net operating income to assets | 0.7535% | 3,615 |
| Return on assets (ROA) | 0.8023% | 3,457 |
| Pretax return on assets | 1.2066% | 2,628 |
| Return on Equity (ROE) | 8.0774% | 3,088 |
| Retained earnings to average equity (ytd only) | 6.7821% | 1,501 |
| Net charge-offs to loans | 0.0230% | 4,381 |
| Credit loss provision to net charge-offs | -234.9911% | 5,662 |
| Earnings coverage of net charge-offs (x) | 63.3215% | 760 |
| Efficiency ratio | 86.9562% | 1,083 |
| Assets per employee ($millions) | 2.2031% | 6,305 |
| Cash dividends to net income (ytd only)* | 16.0360% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 5,765 |
| Loan loss allowance to noncurrent loans | 43.1793% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.8685% | 1,379 |
| Noncurrent loans to loans | 1.8597% | 1,529 |
| Net loans and leases to total assets | 77.4176% | 1,085 |
| Net loans and leases to deposits | 110.7000% | 218 |
| Net loans and leases to core deposits | 120.8488% | 393 |
| Total domestic deposits to total assets | 69.9345% | 6,198 |
| Equity capital to assets | 9.7186% | 4,442 |
| Core capital (leverage) ratio | 9.3575% | 4,456 |
| Tier 1 risk-based capital ratio | 13.0679% | 4,682 |
| Total risk-based capital ratio | 13.9928% | 4,799 |
| Memoranda: | ||
| Average total assets | $3,264,357,800 | 252 |
| Average earning assets | $2,912,949,200 | 252 |
| Average equity | $324,248,800 | 277 |
| Average total loans | $2,452,044,600 | 233 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,919 |
| Cost of funding earning assets | 0.4058% | 3,716 |
| Net interest margin | 3.2715% | 4,714 |
| Noninterest income to average assets | 5.5632% | 109 |
| Noninterest expense to average assets | 7.4620% | 122 |
| Loan and lease loss provision to assets | -0.0660% | 6,218 |
| Net operating income to assets | 0.7522% | 3,659 |
| Return on assets (ROA) | 0.7881% | 3,584 |
| Pretax return on assets | 1.1248% | 3,090 |
| Return on Equity (ROE) | 7.8876% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.7416% | 1,959 |
| Net charge-offs to loans | 0.0268% | 3,964 |
| Credit loss provision to net charge-offs | -330.6889% | 5,664 |
| Earnings coverage of net charge-offs (x) | 50.5157% | 971 |
| Efficiency ratio | 87.6799% | 1,030 |
| Assets per employee ($millions) | 2.1823% | 6,388 |
| Cash dividends to net income (ytd only)* | 14.5295% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 5,839 |
| Loan loss allowance to noncurrent loans | 42.5163% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 2.0023% | 1,432 |
| Noncurrent loans to loans | 1.9140% | 1,675 |
| Net loans and leases to total assets | 77.0816% | 1,082 |
| Net loans and leases to deposits | 109.1643% | 239 |
| Net loans and leases to core deposits | 113.9724% | 586 |
| Total domestic deposits to total assets | 70.6106% | 6,251 |
| Equity capital to assets | 9.6581% | 4,601 |
| Core capital (leverage) ratio | 9.6330% | 4,183 |
| Tier 1 risk-based capital ratio | 13.0318% | 4,849 |
| Total risk-based capital ratio | 13.9550% | 4,949 |
| Memoranda: | ||
| Average total assets | $3,201,976,000 | 255 |
| Average earning assets | $2,844,588,000 | 255 |
| Average equity | $319,935,500 | 274 |
| Average total loans | $2,379,459,500 | 235 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,750 |
| Cost of funding earning assets | 0.4199% | 3,658 |
| Net interest margin | 3.3140% | 4,532 |
| Noninterest income to average assets | 5.6993% | 108 |
| Noninterest expense to average assets | 7.5127% | 117 |
| Loan and lease loss provision to assets | -0.1002% | 6,374 |
| Net operating income to assets | 0.8431% | 3,114 |
| Return on assets (ROA) | 0.8768% | 3,010 |
| Pretax return on assets | 1.2585% | 2,418 |
| Return on Equity (ROE) | 8.6681% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.3997% | 1,567 |
| Net charge-offs to loans | 0.0369% | 3,483 |
| Credit loss provision to net charge-offs | -371.9048% | 5,510 |
| Earnings coverage of net charge-offs (x) | 41.2048% | 1,033 |
| Efficiency ratio | 86.6672% | 1,201 |
| Assets per employee ($millions) | 2.0994% | 6,474 |
| Cash dividends to net income (ytd only)* | 14.6327% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 5,669 |
| Loan loss allowance to noncurrent loans | 41.1918% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.2157% | 1,367 |
| Noncurrent loans to loans | 2.2325% | 1,468 |
| Net loans and leases to total assets | 73.5450% | 1,498 |
| Net loans and leases to deposits | 97.5779% | 695 |
| Net loans and leases to core deposits | 103.5996% | 1,046 |
| Total domestic deposits to total assets | 75.3705% | 5,984 |
| Equity capital to assets | 10.2057% | 3,818 |
| Core capital (leverage) ratio | 10.1743% | 3,383 |
| Tier 1 risk-based capital ratio | 13.8399% | 4,357 |
| Total risk-based capital ratio | 14.8390% | 4,473 |
| Memoranda: | ||
| Average total assets | $3,117,761,670 | 255 |
| Average earning assets | $2,750,369,330 | 259 |
| Average equity | $315,363,670 | 278 |
| Average total loans | $2,277,705,670 | 243 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,626 |
| Cost of funding earning assets | 0.4272% | 3,672 |
| Net interest margin | 3.3349% | 4,397 |
| Noninterest income to average assets | 4.5383% | 131 |
| Noninterest expense to average assets | 7.1861% | 131 |
| Loan and lease loss provision to assets | -0.1967% | 6,563 |
| Net operating income to assets | 0.3589% | 5,276 |
| Return on assets (ROA) | 0.4352% | 5,052 |
| Pretax return on assets | 0.5707% | 4,933 |
| Return on Equity (ROE) | 4.3230% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.3230% | 3,535 |
| Net charge-offs to loans | 0.0487% | 2,702 |
| Credit loss provision to net charge-offs | -557.1956% | 5,212 |
| Earnings coverage of net charge-offs (x) | 7.7491% | 2,096 |
| Efficiency ratio | 96.0027% | 641 |
| Assets per employee ($millions) | 2.1020% | 6,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,624 |
| Loan loss allowance to noncurrent loans | 36.4621% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.6325% | 1,171 |
| Noncurrent loans to loans | 2.6696% | 1,274 |
| Net loans and leases to total assets | 72.6043% | 1,478 |
| Net loans and leases to deposits | 94.8206% | 728 |
| Net loans and leases to core deposits | 102.7606% | 942 |
| Total domestic deposits to total assets | 76.5701% | 6,017 |
| Equity capital to assets | 10.1323% | 3,681 |
| Core capital (leverage) ratio | 9.9396% | 3,648 |
| Tier 1 risk-based capital ratio | 13.9882% | 4,342 |
| Total risk-based capital ratio | 15.0425% | 4,431 |
| Memoranda: | ||
| Average total assets | $3,070,594,500 | 257 |
| Average earning assets | $2,689,876,500 | 265 |
| Average equity | $309,137,000 | 279 |
| Average total loans | $2,224,427,500 | 246 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 5,467 |
| Cost of funding earning assets | 0.4945% | 3,663 |
| Net interest margin | 3.0812% | 5,369 |
| Noninterest income to average assets | 6.7595% | 96 |
| Noninterest expense to average assets | 8.1522% | 117 |
| Loan and lease loss provision to assets | 0.0331% | 4,456 |
| Net operating income to assets | 0.8830% | 2,865 |
| Return on assets (ROA) | 0.9269% | 2,736 |
| Pretax return on assets | 1.3651% | 1,915 |
| Return on Equity (ROE) | 8.3479% | 2,857 |
| Retained earnings to average equity (ytd only) | 1.9201% | 4,864 |
| Net charge-offs to loans | 0.2331% | 2,586 |
| Credit loss provision to net charge-offs | 19.9430% | 4,446 |
| Earnings coverage of net charge-offs (x) | 8.0272% | 2,743 |
| Efficiency ratio | 85.9040% | 1,422 |
| Assets per employee ($millions) | 2.0462% | 6,625 |
| Cash dividends to net income (ytd only)* | 76.9986% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 5,153 |
| Loan loss allowance to noncurrent loans | 32.9684% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 2.9627% | 1,075 |
| Noncurrent loans to loans | 3.3332% | 974 |
| Net loans and leases to total assets | 70.7644% | 1,890 |
| Net loans and leases to deposits | 97.0204% | 667 |
| Net loans and leases to core deposits | 105.1058% | 847 |
| Total domestic deposits to total assets | 72.9376% | 6,362 |
| Equity capital to assets | 10.0018% | 3,768 |
| Core capital (leverage) ratio | 9.9562% | 3,635 |
| Tier 1 risk-based capital ratio | 14.1163% | 4,217 |
| Total risk-based capital ratio | 15.2822% | 4,213 |
| Memoranda: | ||
| Average total assets | $2,746,304,800 | 276 |
| Average earning assets | $2,430,088,000 | 277 |
| Average equity | $304,928,400 | 273 |
| Average total loans | $1,957,294,800 | 260 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 5,637 |
| Cost of funding earning assets | 0.5166% | 3,605 |
| Net interest margin | 3.0049% | 5,583 |
| Noninterest income to average assets | 7.5258% | 88 |
| Noninterest expense to average assets | 8.2670% | 109 |
| Loan and lease loss provision to assets | 0.0447% | 4,121 |
| Net operating income to assets | 1.2535% | 1,476 |
| Return on assets (ROA) | 1.2537% | 1,545 |
| Pretax return on assets | 1.8818% | 736 |
| Return on Equity (ROE) | 10.9817% | 1,826 |
| Retained earnings to average equity (ytd only) | 7.9230% | 1,442 |
| Net charge-offs to loans | 0.2638% | 2,235 |
| Credit loss provision to net charge-offs | 23.8310% | 4,000 |
| Earnings coverage of net charge-offs (x) | 10.2588% | 2,381 |
| Efficiency ratio | 81.1023% | 1,955 |
| Assets per employee ($millions) | 2.0060% | 6,701 |
| Cash dividends to net income (ytd only)* | 27.8529% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 4,465 |
| Loan loss allowance to noncurrent loans | 35.0205% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.1598% | 1,144 |
| Noncurrent loans to loans | 3.6726% | 1,007 |
| Net loans and leases to total assets | 66.9583% | 2,468 |
| Net loans and leases to deposits | 90.0436% | 1,159 |
| Net loans and leases to core deposits | 98.1086% | 1,236 |
| Total domestic deposits to total assets | 74.3622% | 6,347 |
| Equity capital to assets | 10.7163% | 3,048 |
| Core capital (leverage) ratio | 10.8499% | 2,619 |
| Tier 1 risk-based capital ratio | 17.1880% | 2,631 |
| Total risk-based capital ratio | 18.4400% | 2,596 |
| Memoranda: | ||
| Average total assets | $2,672,706,750 | 280 |
| Average earning assets | $2,372,587,250 | 281 |
| Average equity | $305,129,500 | 272 |
| Average total loans | $1,902,708,750 | 262 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 5,862 |
| Cost of funding earning assets | 0.5601% | 3,313 |
| Net interest margin | 2.8583% | 5,880 |
| Noninterest income to average assets | 8.7352% | 80 |
| Noninterest expense to average assets | 8.3084% | 112 |
| Loan and lease loss provision to assets | 0.1822% | 2,086 |
| Net operating income to assets | 1.8757% | 447 |
| Return on assets (ROA) | 1.8854% | 470 |
| Pretax return on assets | 2.8056% | 179 |
| Return on Equity (ROE) | 16.1580% | 646 |
| Retained earnings to average equity (ytd only) | 13.8684% | 309 |
| Net charge-offs to loans | 0.2418% | 2,272 |
| Credit loss provision to net charge-offs | 104.0994% | 2,121 |
| Earnings coverage of net charge-offs (x) | 16.9874% | 1,629 |
| Efficiency ratio | 73.6448% | 3,192 |
| Assets per employee ($millions) | 2.1226% | 6,706 |
| Cash dividends to net income (ytd only)* | 14.1700% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 3,833 |
| Loan loss allowance to noncurrent loans | 37.1044% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 3.3602% | 1,161 |
| Noncurrent loans to loans | 3.8915% | 1,022 |
| Net loans and leases to total assets | 68.6193% | 2,120 |
| Net loans and leases to deposits | 95.9097% | 681 |
| Net loans and leases to core deposits | 100.2055% | 1,060 |
| Total domestic deposits to total assets | 71.5458% | 6,586 |
| Equity capital to assets | 11.1470% | 2,613 |
| Core capital (leverage) ratio | 11.8854% | 1,677 |
| Tier 1 risk-based capital ratio | 17.8920% | 2,353 |
| Total risk-based capital ratio | 19.1457% | 2,319 |
| Memoranda: | ||
| Average total assets | $2,620,097,330 | 286 |
| Average earning assets | $2,334,265,000 | 287 |
| Average equity | $305,730,000 | 271 |
| Average total loans | $1,896,954,000 | 262 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5246% | 5,646 |
| Cost of funding earning assets | 0.6610% | 2,556 |
| Net interest margin | 2.8635% | 5,879 |
| Noninterest income to average assets | 8.8741% | 77 |
| Noninterest expense to average assets | 8.2254% | 120 |
| Loan and lease loss provision to assets | 0.3133% | 1,085 |
| Net operating income to assets | 1.9356% | 383 |
| Return on assets (ROA) | 1.9306% | 419 |
| Pretax return on assets | 2.8903% | 172 |
| Return on Equity (ROE) | 16.1559% | 592 |
| Retained earnings to average equity (ytd only) | 11.5699% | 764 |
| Net charge-offs to loans | 0.2452% | 1,984 |
| Credit loss provision to net charge-offs | 172.9473% | 1,221 |
| Earnings coverage of net charge-offs (x) | 17.7260% | 1,297 |
| Efficiency ratio | 71.9220% | 3,631 |
| Assets per employee ($millions) | 2.0630% | 6,825 |
| Cash dividends to net income (ytd only)* | 28.3861% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 3,564 |
| Loan loss allowance to noncurrent loans | 37.9148% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 4.0837% | 963 |
| Noncurrent loans to loans | 4.1203% | 1,074 |
| Net loans and leases to total assets | 71.8190% | 1,382 |
| Net loans and leases to deposits | 91.8824% | 810 |
| Net loans and leases to core deposits | 93.4635% | 1,379 |
| Total domestic deposits to total assets | 78.1640% | 6,094 |
| Equity capital to assets | 12.3706% | 1,793 |
| Core capital (leverage) ratio | 11.9720% | 1,582 |
| Tier 1 risk-based capital ratio | 19.2120% | 1,978 |
| Total risk-based capital ratio | 20.4695% | 1,950 |
| Memoranda: | ||
| Average total assets | $2,554,710,500 | 295 |
| Average earning assets | $2,286,130,000 | 295 |
| Average equity | $305,275,000 | 277 |
| Average total loans | $1,887,789,000 | 265 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 6,059 |
| Cost of funding earning assets | 0.8537% | 2,263 |
| Net interest margin | 2.8410% | 6,332 |
| Noninterest income to average assets | 9.3176% | 76 |
| Noninterest expense to average assets | 7.0348% | 145 |
| Loan and lease loss provision to assets | 0.4708% | 1,319 |
| Net operating income to assets | 3.4290% | 82 |
| Return on assets (ROA) | 3.4773% | 78 |
| Pretax return on assets | 4.4157% | 66 |
| Return on Equity (ROE) | 35.3323% | 38 |
| Retained earnings to average equity (ytd only) | 35.3323% | 14 |
| Net charge-offs to loans | 1.5466% | 567 |
| Credit loss provision to net charge-offs | 43.0186% | 4,861 |
| Earnings coverage of net charge-offs (x) | 4.4095% | 3,372 |
| Efficiency ratio | 59.3147% | 5,650 |
| Assets per employee ($millions) | 2.4056% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,135 |
| Loan loss allowance to noncurrent loans | 39.0659% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.7851% | 1,165 |
| Noncurrent loans to loans | 3.6044% | 1,367 |
| Net loans and leases to total assets | 73.7324% | 1,233 |
| Net loans and leases to deposits | 96.4110% | 595 |
| Net loans and leases to core deposits | 98.6437% | 1,099 |
| Total domestic deposits to total assets | 76.4771% | 6,291 |
| Equity capital to assets | 11.5485% | 2,398 |
| Core capital (leverage) ratio | 11.7769% | 1,682 |
| Tier 1 risk-based capital ratio | 18.0490% | 2,244 |
| Total risk-based capital ratio | 19.3051% | 2,214 |
| Memoranda: | ||
| Average total assets | $2,426,092,400 | 299 |
| Average earning assets | $2,171,174,200 | 300 |
| Average equity | $238,770,000 | 321 |
| Average total loans | $1,716,655,200 | 277 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7305% | 6,170 |
| Cost of funding earning assets | 0.9108% | 2,101 |
| Net interest margin | 2.8197% | 6,473 |
| Noninterest income to average assets | 8.7378% | 82 |
| Noninterest expense to average assets | 6.5790% | 166 |
| Loan and lease loss provision to assets | 0.4173% | 1,536 |
| Net operating income to assets | 3.4191% | 76 |
| Return on assets (ROA) | 3.4793% | 76 |
| Pretax return on assets | 4.3353% | 73 |
| Return on Equity (ROE) | 37.1239% | 35 |
| Retained earnings to average equity (ytd only) | 37.1239% | 16 |
| Net charge-offs to loans | 1.8249% | 427 |
| Credit loss provision to net charge-offs | 32.8335% | 4,754 |
| Earnings coverage of net charge-offs (x) | 3.6800% | 3,556 |
| Efficiency ratio | 58.4472% | 5,725 |
| Assets per employee ($millions) | 2.5366% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 3,957 |
| Loan loss allowance to noncurrent loans | 37.4562% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 3.7737% | 1,305 |
| Noncurrent loans to loans | 4.0017% | 1,278 |
| Net loans and leases to total assets | 72.2270% | 1,515 |
| Net loans and leases to deposits | 89.9229% | 1,153 |
| Net loans and leases to core deposits | 92.0772% | 1,773 |
| Total domestic deposits to total assets | 80.3210% | 5,570 |
| Equity capital to assets | 11.0780% | 3,182 |
| Core capital (leverage) ratio | 10.8600% | 2,538 |
| Tier 1 risk-based capital ratio | 16.7556% | 2,869 |
| Total risk-based capital ratio | 18.0120% | 2,820 |
| Memoranda: | ||
| Average total assets | $2,378,298,750 | 303 |
| Average earning assets | $2,124,290,000 | 303 |
| Average equity | $222,898,750 | 337 |
| Average total loans | $1,656,485,500 | 282 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 6,368 |
| Cost of funding earning assets | 0.9864% | 1,847 |
| Net interest margin | 2.6937% | 6,715 |
| Noninterest income to average assets | 7.5303% | 96 |
| Noninterest expense to average assets | 6.2189% | 201 |
| Loan and lease loss provision to assets | 0.1621% | 3,487 |
| Net operating income to assets | 3.3169% | 84 |
| Return on assets (ROA) | 3.3921% | 81 |
| Pretax return on assets | 3.6364% | 97 |
| Return on Equity (ROE) | 38.7019% | 44 |
| Retained earnings to average equity (ytd only) | 38.7019% | 31 |
| Net charge-offs to loans | 2.2121% | 350 |
| Credit loss provision to net charge-offs | 10.7220% | 4,730 |
| Earnings coverage of net charge-offs (x) | 2.4592% | 3,775 |
| Efficiency ratio | 62.5859% | 5,150 |
| Assets per employee ($millions) | 2.6748% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 3,587 |
| Loan loss allowance to noncurrent loans | 40.4838% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 4.6428% | 1,047 |
| Noncurrent loans to loans | 3.9629% | 1,399 |
| Net loans and leases to total assets | 68.4061% | 2,211 |
| Net loans and leases to deposits | 85.5934% | 1,650 |
| Net loans and leases to core deposits | 87.8100% | 2,230 |
| Total domestic deposits to total assets | 79.9199% | 5,759 |
| Equity capital to assets | 10.4078% | 3,797 |
| Core capital (leverage) ratio | 10.2040% | 3,140 |
| Tier 1 risk-based capital ratio | 15.8314% | 3,259 |
| Total risk-based capital ratio | 17.0881% | 3,223 |
| Memoranda: | ||
| Average total assets | $2,338,221,330 | 308 |
| Average earning assets | $2,088,703,000 | 303 |
| Average equity | $204,935,670 | 361 |
| Average total loans | $1,597,956,000 | 288 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 6,528 |
| Cost of funding earning assets | 1.0701% | 1,555 |
| Net interest margin | 2.5679% | 6,896 |
| Noninterest income to average assets | 6.5772% | 107 |
| Noninterest expense to average assets | 5.5987% | 250 |
| Loan and lease loss provision to assets | -0.0151% | 7,111 |
| Net operating income to assets | 3.5882% | 80 |
| Return on assets (ROA) | 3.5941% | 88 |
| Pretax return on assets | 3.3090% | 140 |
| Return on Equity (ROE) | 45.4775% | 39 |
| Retained earnings to average equity (ytd only) | 45.4775% | 26 |
| Net charge-offs to loans | 1.8990% | 504 |
| Credit loss provision to net charge-offs | -1.1760% | 5,327 |
| Earnings coverage of net charge-offs (x) | 2.5566% | 3,145 |
| Efficiency ratio | 63.0008% | 5,105 |
| Assets per employee ($millions) | 2.9055% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 1,947 |
| Loan loss allowance to noncurrent loans | 30.4593% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 6.5260% | 686 |
| Noncurrent loans to loans | 7.1232% | 611 |
| Net loans and leases to total assets | 67.4465% | 2,208 |
| Net loans and leases to deposits | 78.0039% | 2,508 |
| Net loans and leases to core deposits | 80.2024% | 3,048 |
| Total domestic deposits to total assets | 86.4655% | 3,269 |
| Equity capital to assets | 9.3144% | 5,074 |
| Core capital (leverage) ratio | 9.3304% | 4,317 |
| Tier 1 risk-based capital ratio | 14.2316% | 4,290 |
| Total risk-based capital ratio | 15.4958% | 4,256 |
| Memoranda: | ||
| Average total assets | $2,300,976,000 | 305 |
| Average earning assets | $2,069,426,000 | 301 |
| Average equity | $181,848,000 | 402 |
| Average total loans | $1,558,258,000 | 289 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 6,609 |
| Cost of funding earning assets | 1.4049% | 1,016 |
| Net interest margin | 2.4990% | 7,058 |
| Noninterest income to average assets | 2.7800% | 231 |
| Noninterest expense to average assets | 4.1186% | 888 |
| Loan and lease loss provision to assets | 0.1549% | 4,689 |
| Net operating income to assets | 0.7120% | 3,430 |
| Return on assets (ROA) | 0.7597% | 3,378 |
| Pretax return on assets | 0.7504% | 4,155 |
| Return on Equity (ROE) | 14.2528% | 874 |
| Retained earnings to average equity (ytd only) | 14.2528% | 162 |
| Net charge-offs to loans | 1.5344% | 1,036 |
| Credit loss provision to net charge-offs | 14.2743% | 5,976 |
| Earnings coverage of net charge-offs (x) | 0.7904% | 5,200 |
| Efficiency ratio | 82.7665% | 1,918 |
| Assets per employee ($millions) | 3.7288% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8574% | 924 |
| Loan loss allowance to noncurrent loans | 38.0117% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 6.9747% | 657 |
| Noncurrent loans to loans | 7.5172% | 559 |
| Net loans and leases to total assets | 64.5453% | 3,069 |
| Net loans and leases to deposits | 72.1446% | 3,770 |
| Net loans and leases to core deposits | 74.6403% | 4,155 |
| Total domestic deposits to total assets | 89.4666% | 1,286 |
| Equity capital to assets | 6.4259% | 7,049 |
| Core capital (leverage) ratio | 6.0368% | 7,052 |
| Tier 1 risk-based capital ratio | 9.8795% | 6,881 |
| Total risk-based capital ratio | 11.1526% | 6,869 |
| Memoranda: | ||
| Average total assets | $2,310,274,200 | 301 |
| Average earning assets | $2,030,248,200 | 303 |
| Average equity | $123,140,800 | 562 |
| Average total loans | $1,633,581,400 | 275 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 6,707 |
| Cost of funding earning assets | 1.4732% | 943 |
| Net interest margin | 2.4489% | 7,157 |
| Noninterest income to average assets | 2.3950% | 281 |
| Noninterest expense to average assets | 3.9006% | 1,157 |
| Loan and lease loss provision to assets | 0.1989% | 4,036 |
| Net operating income to assets | 0.4137% | 4,935 |
| Return on assets (ROA) | 0.4488% | 4,980 |
| Pretax return on assets | 0.4710% | 5,254 |
| Return on Equity (ROE) | 8.8596% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.8596% | 1,196 |
| Net charge-offs to loans | 1.1571% | 1,364 |
| Credit loss provision to net charge-offs | 23.9641% | 5,506 |
| Earnings coverage of net charge-offs (x) | 0.7626% | 5,042 |
| Efficiency ratio | 86.0360% | 1,526 |
| Assets per employee ($millions) | 3.9080% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2419% | 693 |
| Loan loss allowance to noncurrent loans | 42.5023% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 8.6077% | 477 |
| Noncurrent loans to loans | 7.6277% | 608 |
| Net loans and leases to total assets | 69.0542% | 2,262 |
| Net loans and leases to deposits | 77.0631% | 3,160 |
| Net loans and leases to core deposits | 79.7005% | 3,684 |
| Total domestic deposits to total assets | 89.6073% | 1,090 |
| Equity capital to assets | 5.9059% | 7,198 |
| Core capital (leverage) ratio | 5.6395% | 7,171 |
| Tier 1 risk-based capital ratio | 8.5091% | 7,153 |
| Total risk-based capital ratio | 9.7882% | 7,155 |
| Memoranda: | ||
| Average total assets | $2,325,724,750 | 303 |
| Average earning assets | $2,031,094,500 | 309 |
| Average equity | $117,805,000 | 594 |
| Average total loans | $1,668,483,750 | 270 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 6,631 |
| Cost of funding earning assets | 1.5573% | 820 |
| Net interest margin | 2.4645% | 7,205 |
| Noninterest income to average assets | 1.2375% | 828 |
| Noninterest expense to average assets | 3.8195% | 1,318 |
| Loan and lease loss provision to assets | 0.1989% | 3,939 |
| Net operating income to assets | -0.6458% | 6,787 |
| Return on assets (ROA) | -0.6457% | 6,793 |
| Pretax return on assets | -0.6435% | 6,731 |
| Return on Equity (ROE) | -13.4822% | 7,024 |
| Retained earnings to average equity (ytd only) | -13.4822% | 6,988 |
| Net charge-offs to loans | 0.8113% | 1,879 |
| Credit loss provision to net charge-offs | 34.1119% | 4,925 |
| Earnings coverage of net charge-offs (x) | -0.7627% | 5,593 |
| Efficiency ratio | 113.1777% | 421 |
| Assets per employee ($millions) | 3.9061% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7944% | 471 |
| Loan loss allowance to noncurrent loans | 51.2044% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 10.4506% | 351 |
| Noncurrent loans to loans | 7.4104% | 654 |
| Net loans and leases to total assets | 68.3359% | 2,550 |
| Net loans and leases to deposits | 75.8324% | 3,511 |
| Net loans and leases to core deposits | 79.3781% | 3,875 |
| Total domestic deposits to total assets | 90.1143% | 913 |
| Equity capital to assets | 5.1292% | 7,318 |
| Core capital (leverage) ratio | 4.8637% | 7,308 |
| Tier 1 risk-based capital ratio | 7.3744% | 7,288 |
| Total risk-based capital ratio | 8.6591% | 7,290 |
| Memoranda: | ||
| Average total assets | $2,334,993,330 | 306 |
| Average earning assets | $2,024,898,670 | 312 |
| Average equity | $111,836,000 | 624 |
| Average total loans | $1,677,986,000 | 272 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 6,693 |
| Cost of funding earning assets | 1.6013% | 813 |
| Net interest margin | 2.4025% | 7,258 |
| Noninterest income to average assets | 0.2078% | 6,249 |
| Noninterest expense to average assets | 3.7541% | 1,436 |
| Loan and lease loss provision to assets | 0.0132% | 5,747 |
| Net operating income to assets | -1.4830% | 7,195 |
| Return on assets (ROA) | -1.4830% | 7,198 |
| Pretax return on assets | -1.4758% | 7,151 |
| Return on Equity (ROE) | -32.0131% | 7,336 |
| Retained earnings to average equity (ytd only) | -32.0131% | 7,311 |
| Net charge-offs to loans | 0.4854% | 2,257 |
| Credit loss provision to net charge-offs | 3.7619% | 4,442 |
| Earnings coverage of net charge-offs (x) | -4.1705% | 5,014 |
| Efficiency ratio | 163.8292% | 112 |
| Assets per employee ($millions) | 4.1820% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7773% | 496 |
| Loan loss allowance to noncurrent loans | 36.9571% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 11.6936% | 288 |
| Noncurrent loans to loans | 10.2208% | 389 |
| Net loans and leases to total assets | 68.0957% | 2,531 |
| Net loans and leases to deposits | 76.4806% | 3,337 |
| Net loans and leases to core deposits | 80.1489% | 3,732 |
| Total domestic deposits to total assets | 89.0366% | 1,747 |
| Equity capital to assets | 4.5781% | 7,401 |
| Core capital (leverage) ratio | 4.4881% | 7,398 |
| Tier 1 risk-based capital ratio | 6.9913% | 7,370 |
| Total risk-based capital ratio | 8.2760% | 7,373 |
| Memoranda: | ||
| Average total assets | $2,395,123,500 | 298 |
| Average earning assets | $2,077,334,500 | 309 |
| Average equity | $110,954,500 | 622 |
| Average total loans | $1,730,404,500 | 268 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 7,292 |
| Cost of funding earning assets | 2.0223% | 561 |
| Net interest margin | 1.7089% | 7,519 |
| Noninterest income to average assets | 2.1694% | 346 |
| Noninterest expense to average assets | 3.5619% | 2,028 |
| Loan and lease loss provision to assets | 1.3346% | 1,143 |
| Net operating income to assets | -1.2460% | 6,804 |
| Return on assets (ROA) | -1.0340% | 6,736 |
| Pretax return on assets | -1.0094% | 6,650 |
| Return on Equity (ROE) | -21.4412% | 7,064 |
| Retained earnings to average equity (ytd only) | -21.4412% | 7,041 |
| Net charge-offs to loans | 4.2157% | 282 |
| Credit loss provision to net charge-offs | 45.5306% | 6,322 |
| Earnings coverage of net charge-offs (x) | 0.0386% | 6,078 |
| Efficiency ratio | 96.9221% | 928 |
| Assets per employee ($millions) | 4.5314% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5353% | 586 |
| Loan loss allowance to noncurrent loans | 40.9506% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 13.3674% | 213 |
| Noncurrent loans to loans | 8.6332% | 561 |
| Net loans and leases to total assets | 71.0377% | 2,293 |
| Net loans and leases to deposits | 82.1387% | 2,772 |
| Net loans and leases to core deposits | 86.0688% | 3,309 |
| Total domestic deposits to total assets | 86.4851% | 3,086 |
| Equity capital to assets | 4.6838% | 7,461 |
| Core capital (leverage) ratio | 4.5215% | 7,457 |
| Tier 1 risk-based capital ratio | 6.8813% | 7,432 |
| Total risk-based capital ratio | 8.1627% | 7,435 |
| Memoranda: | ||
| Average total assets | $2,836,929,200 | 251 |
| Average earning assets | $2,499,575,400 | 256 |
| Average equity | $136,806,400 | 505 |
| Average total loans | $1,972,506,800 | 247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5863% | 7,502 |
| Cost of funding earning assets | 2.1145% | 516 |
| Net interest margin | 1.4718% | 7,675 |
| Noninterest income to average assets | 2.3180% | 307 |
| Noninterest expense to average assets | 3.3298% | 2,487 |
| Loan and lease loss provision to assets | 1.3499% | 1,015 |
| Net operating income to assets | -1.0224% | 6,915 |
| Return on assets (ROA) | -0.7569% | 6,803 |
| Pretax return on assets | -0.7842% | 6,729 |
| Return on Equity (ROE) | -15.6008% | 7,127 |
| Retained earnings to average equity (ytd only) | -15.6008% | 7,100 |
| Net charge-offs to loans | 4.5451% | 218 |
| Credit loss provision to net charge-offs | 43.2525% | 5,975 |
| Earnings coverage of net charge-offs (x) | 0.0935% | 5,931 |
| Efficiency ratio | 91.9396% | 1,130 |
| Assets per employee ($millions) | 4.9780% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8729% | 410 |
| Loan loss allowance to noncurrent loans | 36.1081% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 15.1505% | 153 |
| Noncurrent loans to loans | 10.7258% | 366 |
| Net loans and leases to total assets | 65.8762% | 3,717 |
| Net loans and leases to deposits | 75.4683% | 4,269 |
| Net loans and leases to core deposits | 81.5013% | 4,316 |
| Total domestic deposits to total assets | 87.2898% | 2,379 |
| Equity capital to assets | 5.1221% | 7,568 |
| Core capital (leverage) ratio | 4.9159% | 7,553 |
| Tier 1 risk-based capital ratio | 7.3953% | 7,524 |
| Total risk-based capital ratio | 8.6791% | 7,524 |
| Memoranda: | ||
| Average total assets | $2,929,896,750 | 245 |
| Average earning assets | $2,595,231,750 | 245 |
| Average equity | $142,143,250 | 479 |
| Average total loans | $2,011,808,750 | 239 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 7,558 |
| Cost of funding earning assets | 2.2687% | 375 |
| Net interest margin | 1.3774% | 7,755 |
| Noninterest income to average assets | 2.0036% | 355 |
| Noninterest expense to average assets | 3.2812% | 2,624 |
| Loan and lease loss provision to assets | 1.1621% | 1,226 |
| Net operating income to assets | -1.2117% | 7,035 |
| Return on assets (ROA) | -0.8192% | 6,882 |
| Pretax return on assets | -0.8170% | 6,792 |
| Return on Equity (ROE) | -17.1669% | 7,207 |
| Retained earnings to average equity (ytd only) | -17.1669% | 7,174 |
| Net charge-offs to loans | 3.1198% | 499 |
| Credit loss provision to net charge-offs | 54.2152% | 5,335 |
| Earnings coverage of net charge-offs (x) | -0.0221% | 5,737 |
| Efficiency ratio | 101.4682% | 753 |
| Assets per employee ($millions) | 5.0627% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6697% | 228 |
| Loan loss allowance to noncurrent loans | 29.0900% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 16.6193% | 104 |
| Noncurrent loans to loans | 16.0525% | 144 |
| Net loans and leases to total assets | 70.9411% | 2,676 |
| Net loans and leases to deposits | 82.3203% | 3,216 |
| Net loans and leases to core deposits | 93.1446% | 2,825 |
| Total domestic deposits to total assets | 86.1770% | 2,997 |
| Equity capital to assets | 5.1237% | 7,624 |
| Core capital (leverage) ratio | 4.4771% | 7,656 |
| Tier 1 risk-based capital ratio | 7.4078% | 7,567 |
| Total risk-based capital ratio | 8.7066% | 7,572 |
| Memoranda: | ||
| Average total assets | $3,020,438,000 | 241 |
| Average earning assets | $2,697,545,000 | 239 |
| Average equity | $144,138,000 | 469 |
| Average total loans | $2,075,171,330 | 230 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 7,701 |
| Cost of funding earning assets | 2.2741% | 463 |
| Net interest margin | 1.2538% | 7,859 |
| Noninterest income to average assets | 1.9697% | 346 |
| Noninterest expense to average assets | 2.7361% | 4,742 |
| Loan and lease loss provision to assets | 0.8836% | 1,439 |
| Net operating income to assets | -0.5302% | 6,848 |
| Return on assets (ROA) | -0.5098% | 6,863 |
| Pretax return on assets | -0.5098% | 6,792 |
| Return on Equity (ROE) | -11.0333% | 7,171 |
| Retained earnings to average equity (ytd only) | -11.0333% | 7,018 |
| Net charge-offs to loans | 2.2383% | 761 |
| Credit loss provision to net charge-offs | 59.5897% | 4,310 |
| Earnings coverage of net charge-offs (x) | 0.2384% | 4,827 |
| Efficiency ratio | 88.5598% | 1,537 |
| Assets per employee ($millions) | 5.7770% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0682% | 164 |
| Loan loss allowance to noncurrent loans | 31.8357% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 14.5033% | 147 |
| Noncurrent loans to loans | 15.9199% | 151 |
| Net loans and leases to total assets | 62.3025% | 4,694 |
| Net loans and leases to deposits | 85.4810% | 2,685 |
| Net loans and leases to core deposits | 98.5046% | 2,295 |
| Total domestic deposits to total assets | 72.8845% | 7,177 |
| Equity capital to assets | 4.7385% | 7,742 |
| Core capital (leverage) ratio | 4.5392% | 7,741 |
| Tier 1 risk-based capital ratio | 7.2628% | 7,676 |
| Total risk-based capital ratio | 8.5638% | 7,678 |
| Memoranda: | ||
| Average total assets | $3,168,782,000 | 243 |
| Average earning assets | $2,830,124,000 | 242 |
| Average equity | $146,429,000 | 469 |
| Average total loans | $2,099,302,500 | 240 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 7,705 |
| Cost of funding earning assets | 2.5989% | 782 |
| Net interest margin | 1.3801% | 7,888 |
| Noninterest income to average assets | 1.3841% | 765 |
| Noninterest expense to average assets | 2.6803% | 5,483 |
| Loan and lease loss provision to assets | 4.8912% | 207 |
| Net operating income to assets | -3.4820% | 7,503 |
| Return on assets (ROA) | -3.4762% | 7,510 |
| Pretax return on assets | -4.9059% | 7,689 |
| Return on Equity (ROE) | -52.9981% | 7,708 |
| Retained earnings to average equity (ytd only) | -52.9981% | 7,702 |
| Net charge-offs to loans | 4.3081% | 352 |
| Credit loss provision to net charge-offs | 150.4863% | 3,080 |
| Earnings coverage of net charge-offs (x) | -0.0070% | 6,212 |
| Efficiency ratio | 100.8275% | 1,066 |
| Assets per employee ($millions) | 5.8089% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1339% | 162 |
| Loan loss allowance to noncurrent loans | 28.3855% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 15.5612% | 126 |
| Noncurrent loans to loans | 18.0864% | 99 |
| Net loans and leases to total assets | 63.4298% | 4,719 |
| Net loans and leases to deposits | 86.7344% | 2,792 |
| Net loans and leases to core deposits | 111.6141% | 2,735 |
| Total domestic deposits to total assets | 73.1311% | 7,137 |
| Equity capital to assets | 4.5050% | 7,821 |
| Core capital (leverage) ratio | 4.5259% | 7,804 |
| Tier 1 risk-based capital ratio | 7.1937% | 7,729 |
| Total risk-based capital ratio | 8.4963% | 7,730 |
| Memoranda: | ||
| Average total assets | $3,128,404,200 | 238 |
| Average earning assets | $2,886,624,400 | 232 |
| Average equity | $205,196,000 | 345 |
| Average total loans | $2,360,253,400 | 225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 7,779 |
| Cost of funding earning assets | 2.6474% | 916 |
| Net interest margin | 1.4349% | 7,959 |
| Noninterest income to average assets | 1.6616% | 531 |
| Noninterest expense to average assets | 2.6563% | 5,505 |
| Loan and lease loss provision to assets | 4.6331% | 208 |
| Net operating income to assets | -3.5344% | 7,693 |
| Return on assets (ROA) | -3.5307% | 7,696 |
| Pretax return on assets | -4.2910% | 7,730 |
| Return on Equity (ROE) | -49.8327% | 7,832 |
| Retained earnings to average equity (ytd only) | -49.8327% | 7,828 |
| Net charge-offs to loans | 4.1375% | 330 |
| Credit loss provision to net charge-offs | 144.2228% | 3,383 |
| Earnings coverage of net charge-offs (x) | 0.1051% | 5,932 |
| Efficiency ratio | 88.6923% | 1,805 |
| Assets per employee ($millions) | 5.8526% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0221% | 295 |
| Loan loss allowance to noncurrent loans | 20.4352% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 15.9226% | 100 |
| Noncurrent loans to loans | 19.6823% | 67 |
| Net loans and leases to total assets | 67.9350% | 3,979 |
| Net loans and leases to deposits | 93.9715% | 1,884 |
| Net loans and leases to core deposits | 119.2280% | 2,313 |
| Total domestic deposits to total assets | 72.2932% | 7,174 |
| Equity capital to assets | 5.3864% | 7,928 |
| Core capital (leverage) ratio | 5.1684% | 7,910 |
| Tier 1 risk-based capital ratio | 7.9692% | 7,795 |
| Total risk-based capital ratio | 9.2601% | 7,806 |
| Memoranda: | ||
| Average total assets | $3,113,230,000 | 251 |
| Average earning assets | $2,890,769,500 | 244 |
| Average equity | $220,578,000 | 335 |
| Average total loans | $2,417,239,000 | 233 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 7,789 |
| Cost of funding earning assets | 2.6880% | 1,066 |
| Net interest margin | 1.5913% | 7,993 |
| Noninterest income to average assets | 1.9755% | 383 |
| Noninterest expense to average assets | 2.5801% | 5,820 |
| Loan and lease loss provision to assets | 4.9525% | 212 |
| Net operating income to assets | -2.5684% | 7,578 |
| Return on assets (ROA) | -2.5684% | 7,568 |
| Pretax return on assets | -4.0768% | 7,762 |
| Return on Equity (ROE) | -33.4670% | 7,759 |
| Retained earnings to average equity (ytd only) | -33.4670% | 7,736 |
| Net charge-offs to loans | 3.2082% | 502 |
| Credit loss provision to net charge-offs | 192.9023% | 2,369 |
| Earnings coverage of net charge-offs (x) | 0.3411% | 5,342 |
| Efficiency ratio | 74.6338% | 3,932 |
| Assets per employee ($millions) | 5.7831% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9482% | 272 |
| Loan loss allowance to noncurrent loans | 22.9386% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 14.0180% | 121 |
| Noncurrent loans to loans | 17.2120% | 89 |
| Net loans and leases to total assets | 71.2819% | 3,406 |
| Net loans and leases to deposits | 100.5681% | 1,228 |
| Net loans and leases to core deposits | 127.7126% | 1,731 |
| Total domestic deposits to total assets | 70.8792% | 7,383 |
| Equity capital to assets | 6.6481% | 7,769 |
| Core capital (leverage) ratio | 6.6677% | 7,714 |
| Tier 1 risk-based capital ratio | 9.6225% | 7,299 |
| Total risk-based capital ratio | 10.9101% | 7,209 |
| Memoranda: | ||
| Average total assets | $3,081,890,330 | 259 |
| Average earning assets | $2,866,971,000 | 252 |
| Average equity | $236,519,330 | 312 |
| Average total loans | $2,466,267,670 | 237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 7,595 |
| Cost of funding earning assets | 2.7546% | 1,101 |
| Net interest margin | 1.8692% | 7,954 |
| Noninterest income to average assets | 2.1901% | 309 |
| Noninterest expense to average assets | 2.6624% | 5,171 |
| Loan and lease loss provision to assets | 5.1132% | 156 |
| Net operating income to assets | -2.4199% | 7,753 |
| Return on assets (ROA) | -2.4199% | 7,753 |
| Pretax return on assets | -3.8412% | 7,884 |
| Return on Equity (ROE) | -29.4114% | 7,902 |
| Retained earnings to average equity (ytd only) | -29.4114% | 7,851 |
| Net charge-offs to loans | 1.7731% | 818 |
| Credit loss provision to net charge-offs | 346.7757% | 1,450 |
| Earnings coverage of net charge-offs (x) | 0.8627% | 4,331 |
| Efficiency ratio | 67.6449% | 5,033 |
| Assets per employee ($millions) | 5.5347% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4715% | 329 |
| Loan loss allowance to noncurrent loans | 30.5483% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 10.3253% | 210 |
| Noncurrent loans to loans | 11.3638% | 207 |
| Net loans and leases to total assets | 77.3590% | 1,959 |
| Net loans and leases to deposits | 113.3737% | 467 |
| Net loans and leases to core deposits | 141.2473% | 1,053 |
| Total domestic deposits to total assets | 68.2336% | 7,581 |
| Equity capital to assets | 7.7449% | 7,134 |
| Core capital (leverage) ratio | 7.5730% | 7,060 |
| Tier 1 risk-based capital ratio | 10.0764% | 6,830 |
| Total risk-based capital ratio | 11.3572% | 6,715 |
| Memoranda: | ||
| Average total assets | $3,003,570,500 | 267 |
| Average earning assets | $2,803,059,000 | 256 |
| Average equity | $247,129,000 | 305 |
| Average total loans | $2,497,713,500 | 234 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2913% | 4,009 |
| Cost of funding earning assets | 3.2016% | 1,185 |
| Net interest margin | 3.0897% | 6,679 |
| Noninterest income to average assets | 1.0001% | 1,579 |
| Noninterest expense to average assets | 2.3451% | 6,578 |
| Loan and lease loss provision to assets | 1.1989% | 1,198 |
| Net operating income to assets | 0.2681% | 5,653 |
| Return on assets (ROA) | 0.2948% | 5,375 |
| Pretax return on assets | 0.4068% | 5,244 |
| Return on Equity (ROE) | 3.3562% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.3562% | 3,061 |
| Net charge-offs to loans | 0.5646% | 2,124 |
| Credit loss provision to net charge-offs | 235.6918% | 2,013 |
| Earnings coverage of net charge-offs (x) | 3.0837% | 4,545 |
| Efficiency ratio | 59.8953% | 6,362 |
| Assets per employee ($millions) | 5.3959% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 858 |
| Loan loss allowance to noncurrent loans | 60.2739% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 4.0144% | 1,022 |
| Noncurrent loans to loans | 3.8069% | 1,306 |
| Net loans and leases to total assets | 84.3349% | 836 |
| Net loans and leases to deposits | 129.2547% | 222 |
| Net loans and leases to core deposits | 180.5039% | 282 |
| Total domestic deposits to total assets | 65.2471% | 7,703 |
| Equity capital to assets | 8.7332% | 5,756 |
| Core capital (leverage) ratio | 8.7021% | 5,190 |
| Tier 1 risk-based capital ratio | 10.5270% | 6,182 |
| Total risk-based capital ratio | 11.7920% | 6,062 |
| Memoranda: | ||
| Average total assets | $2,875,739,000 | 264 |
| Average earning assets | $2,711,815,400 | 254 |
| Average equity | $252,575,200 | 305 |
| Average total loans | $2,591,031,000 | 225 |