Home > HSBC Bank USA > Performance and Condition Ratios
HSBC Bank USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 3,167 |
| Cost of funding earning assets | 2.9825% | 150 |
| Net interest margin | 1.4782% | 4,509 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 1.6692% | 4,171 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6354% | 3,350 |
| Return on assets (ROA) | 0.5171% | 3,625 |
| Pretax return on assets | 0.6575% | 3,522 |
| Return on Equity (ROE) | 5.3500% | 3,661 |
| Retained earnings to average equity (ytd only) | -6.9070% | 4,427 |
| Net charge-offs to loans | 0.0777% | 1,089 |
| Credit loss provision to net charge-offs | 98.4270% | 1,867 |
| Earnings coverage of net charge-offs (x) | 30.7667% | 1,620 |
| Efficiency ratio | 66.7817% | 2,250 |
| Assets per employee ($millions) | 86.5679% | 23 |
| Cash dividends to net income (ytd only)* | 228.9901% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,241 |
| Loan loss allowance to noncurrent loans | 71.1087% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 1,153 |
| Noncurrent loans to loans | 1.4256% | 490 |
| Net loans and leases to total assets | 33.7300% | 4,216 |
| Net loans and leases to deposits | 41.1346% | 4,173 |
| Net loans and leases to core deposits | 59.5353% | 3,777 |
| Total domestic deposits to total assets | 78.8200% | 3,633 |
| Equity capital to assets | 9.3665% | 2,443 |
| Core capital (leverage) ratio | 10.1529% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9297% | 698 |
| Memoranda: | ||
| Average total assets | $163,721,699,200 | 23 |
| Average earning assets | $154,555,597,000 | 23 |
| Average equity | $15,809,449,400 | 19 |
| Average total loans | $56,869,138,200 | 28 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 3,215 |
| Cost of funding earning assets | 2.8460% | 145 |
| Net interest margin | 1.4937% | 4,531 |
| Noninterest income to average assets | 1.1200% | 543 |
| Noninterest expense to average assets | 1.5203% | 4,300 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7352% | 3,219 |
| Return on assets (ROA) | 0.7322% | 3,210 |
| Pretax return on assets | 0.9682% | 2,939 |
| Return on Equity (ROE) | 7.5300% | 3,307 |
| Retained earnings to average equity (ytd only) | -1.7196% | 4,306 |
| Net charge-offs to loans | 0.0935% | 828 |
| Credit loss provision to net charge-offs | 61.0473% | 1,854 |
| Earnings coverage of net charge-offs (x) | 30.8185% | 1,580 |
| Efficiency ratio | 60.1947% | 2,942 |
| Assets per employee ($millions) | 85.9828% | 24 |
| Cash dividends to net income (ytd only)* | 122.8494% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,338 |
| Loan loss allowance to noncurrent loans | 91.9653% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 1,529 |
| Noncurrent loans to loans | 1.0920% | 722 |
| Net loans and leases to total assets | 33.8900% | 4,245 |
| Net loans and leases to deposits | 40.8163% | 4,186 |
| Net loans and leases to core deposits | 57.1294% | 3,812 |
| Total domestic deposits to total assets | 79.4100% | 3,621 |
| Equity capital to assets | 9.6658% | 2,007 |
| Core capital (leverage) ratio | 10.8277% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5771% | 653 |
| Memoranda: | ||
| Average total assets | $163,359,222,750 | 24 |
| Average earning assets | $154,096,214,500 | 24 |
| Average equity | $15,894,121,750 | 20 |
| Average total loans | $57,015,493,500 | 29 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 3,259 |
| Cost of funding earning assets | 2.6488% | 141 |
| Net interest margin | 1.5688% | 4,572 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 1.4961% | 4,334 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7251% | 3,282 |
| Return on assets (ROA) | 0.7241% | 3,288 |
| Pretax return on assets | 0.9587% | 3,022 |
| Return on Equity (ROE) | 7.4300% | 3,379 |
| Retained earnings to average equity (ytd only) | -5.9077% | 4,447 |
| Net charge-offs to loans | 0.0298% | 1,293 |
| Credit loss provision to net charge-offs | 200.1047% | 1,045 |
| Earnings coverage of net charge-offs (x) | 97.0017% | 953 |
| Efficiency ratio | 59.5537% | 3,013 |
| Assets per employee ($millions) | 88.2032% | 21 |
| Cash dividends to net income (ytd only)* | 179.5528% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,361 |
| Loan loss allowance to noncurrent loans | 103.6506% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 1,560 |
| Noncurrent loans to loans | 0.9796% | 773 |
| Net loans and leases to total assets | 34.2000% | 4,232 |
| Net loans and leases to deposits | 40.8841% | 4,193 |
| Net loans and leases to core deposits | 56.1664% | 3,810 |
| Total domestic deposits to total assets | 79.8000% | 3,608 |
| Equity capital to assets | 9.4391% | 2,201 |
| Core capital (leverage) ratio | 10.5911% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6979% | 744 |
| Memoranda: | ||
| Average total assets | $164,044,355,333 | 24 |
| Average earning assets | $155,005,459,667 | 24 |
| Average equity | $15,995,054,000 | 20 |
| Average total loans | $57,611,539,000 | 29 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,288 |
| Cost of funding earning assets | 2.4150% | 115 |
| Net interest margin | 1.6652% | 4,625 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 1.4786% | 4,404 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8076% | 3,173 |
| Return on assets (ROA) | 0.8092% | 3,118 |
| Pretax return on assets | 1.0728% | 2,788 |
| Return on Equity (ROE) | 8.1700% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.3709% | 2,401 |
| Net charge-offs to loans | 0.0565% | 806 |
| Credit loss provision to net charge-offs | 100.4281% | 1,110 |
| Earnings coverage of net charge-offs (x) | 55.6776% | 1,061 |
| Efficiency ratio | 57.0336% | 3,301 |
| Assets per employee ($millions) | 87.3563% | 22 |
| Cash dividends to net income (ytd only)* | 9.7469% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,593 |
| Loan loss allowance to noncurrent loans | 114.4937% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 1,643 |
| Noncurrent loans to loans | 0.8568% | 887 |
| Net loans and leases to total assets | 35.0300% | 4,222 |
| Net loans and leases to deposits | 41.7698% | 4,171 |
| Net loans and leases to core deposits | 53.9856% | 3,832 |
| Total domestic deposits to total assets | 80.6600% | 3,683 |
| Equity capital to assets | 10.0343% | 1,807 |
| Core capital (leverage) ratio | 11.0704% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1762% | 726 |
| Memoranda: | ||
| Average total assets | $163,464,199,000 | 24 |
| Average earning assets | $154,298,078,000 | 25 |
| Average equity | $16,195,627,500 | 21 |
| Average total loans | $57,875,468,000 | 31 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3772% | 4,539 |
| Cost of funding earning assets | 0.9206% | 234 |
| Net interest margin | 1.4566% | 4,640 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 1.5581% | 4,357 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.4750% | 4,121 |
| Return on assets (ROA) | 0.4784% | 4,083 |
| Pretax return on assets | 0.6322% | 3,973 |
| Return on Equity (ROE) | 4.4300% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.6596% | 3,512 |
| Net charge-offs to loans | 0.0100% | 1,995 |
| Credit loss provision to net charge-offs | 2,184.9313% | 245 |
| Earnings coverage of net charge-offs (x) | 206.6465% | 635 |
| Efficiency ratio | 68.7348% | 1,871 |
| Assets per employee ($millions) | 77.9820% | 22 |
| Cash dividends to net income (ytd only)* | 17.3536% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,438 |
| Loan loss allowance to noncurrent loans | 127.4292% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 1,773 |
| Noncurrent loans to loans | 0.7778% | 956 |
| Net loans and leases to total assets | 35.0900% | 4,257 |
| Net loans and leases to deposits | 41.6373% | 4,195 |
| Net loans and leases to core deposits | 55.3170% | 3,751 |
| Total domestic deposits to total assets | 79.9000% | 3,890 |
| Equity capital to assets | 9.7796% | 1,840 |
| Core capital (leverage) ratio | 10.9333% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8502% | 735 |
| Memoranda: | ||
| Average total assets | $172,160,711,800 | 24 |
| Average earning assets | $162,223,750,400 | 22 |
| Average equity | $18,600,171,800 | 17 |
| Average total loans | $58,852,526,600 | 31 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9970% | 4,609 |
| Cost of funding earning assets | 0.6003% | 440 |
| Net interest margin | 1.3967% | 4,651 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 1.4921% | 4,426 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.4688% | 4,133 |
| Return on assets (ROA) | 0.4757% | 4,074 |
| Pretax return on assets | 0.6336% | 3,926 |
| Return on Equity (ROE) | 4.3100% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.6545% | 3,566 |
| Net charge-offs to loans | 0.0135% | 1,619 |
| Credit loss provision to net charge-offs | 1,691.2623% | 280 |
| Earnings coverage of net charge-offs (x) | 152.3132% | 743 |
| Efficiency ratio | 68.0865% | 2,011 |
| Assets per employee ($millions) | 73.7898% | 25 |
| Cash dividends to net income (ytd only)* | 15.1791% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 3,833 |
| Loan loss allowance to noncurrent loans | 96.2475% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 1,587 |
| Noncurrent loans to loans | 0.9407% | 829 |
| Net loans and leases to total assets | 35.6500% | 4,242 |
| Net loans and leases to deposits | 43.5738% | 4,126 |
| Net loans and leases to core deposits | 56.6443% | 3,586 |
| Total domestic deposits to total assets | 77.5100% | 4,294 |
| Equity capital to assets | 10.6073% | 1,328 |
| Core capital (leverage) ratio | 11.9298% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0125% | 643 |
| Memoranda: | ||
| Average total assets | $174,591,755,500 | 24 |
| Average earning assets | $164,612,797,000 | 21 |
| Average equity | $19,278,785,500 | 16 |
| Average total loans | $59,174,297,750 | 31 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6551% | 4,688 |
| Cost of funding earning assets | 0.3514% | 1,244 |
| Net interest margin | 1.3036% | 4,706 |
| Noninterest income to average assets | 0.9126% | 819 |
| Noninterest expense to average assets | 1.5004% | 4,418 |
| Loan and lease loss provision to assets | 0.0871% | 1,131 |
| Net operating income to assets | 0.4252% | 4,067 |
| Return on assets (ROA) | 0.4390% | 3,983 |
| Pretax return on assets | 0.5757% | 3,862 |
| Return on Equity (ROE) | 3.9270% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.3661% | 3,322 |
| Net charge-offs to loans | 0.0242% | 1,237 |
| Credit loss provision to net charge-offs | 1,287.9523% | 337 |
| Earnings coverage of net charge-offs (x) | 80.1909% | 932 |
| Efficiency ratio | 69.8393% | 1,982 |
| Assets per employee ($millions) | 71.9135% | 25 |
| Cash dividends to net income (ytd only)* | 14.2845% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,000 |
| Loan loss allowance to noncurrent loans | 100.2871% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 1,747 |
| Noncurrent loans to loans | 0.8814% | 960 |
| Net loans and leases to total assets | 35.3345% | 4,278 |
| Net loans and leases to deposits | 42.8568% | 4,164 |
| Net loans and leases to core deposits | 55.4740% | 3,613 |
| Total domestic deposits to total assets | 77.4763% | 4,382 |
| Equity capital to assets | 11.3456% | 1,082 |
| Core capital (leverage) ratio | 12.1269% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0387% | 532 |
| Memoranda: | ||
| Average total assets | $177,200,694,667 | 21 |
| Average earning assets | $167,616,891,667 | 20 |
| Average equity | $19,808,604,333 | 16 |
| Average total loans | $58,898,773,333 | 31 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4234% | 4,727 |
| Cost of funding earning assets | 0.2355% | 2,315 |
| Net interest margin | 1.1879% | 4,734 |
| Noninterest income to average assets | 1.0054% | 670 |
| Noninterest expense to average assets | 1.4580% | 4,473 |
| Loan and lease loss provision to assets | 0.0245% | 1,920 |
| Net operating income to assets | 0.4887% | 3,741 |
| Return on assets (ROA) | 0.5070% | 3,661 |
| Pretax return on assets | 0.6716% | 3,472 |
| Return on Equity (ROE) | 4.5674% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.0654% | 2,911 |
| Net charge-offs to loans | 0.0788% | 603 |
| Credit loss provision to net charge-offs | 275.0567% | 693 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,183 |
| Efficiency ratio | 68.2510% | 2,472 |
| Assets per employee ($millions) | 70.3383% | 24 |
| Cash dividends to net income (ytd only)* | 10.9904% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 4,223 |
| Loan loss allowance to noncurrent loans | 83.7949% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 1,836 |
| Noncurrent loans to loans | 0.9686% | 936 |
| Net loans and leases to total assets | 32.6517% | 4,350 |
| Net loans and leases to deposits | 40.2037% | 4,240 |
| Net loans and leases to core deposits | 49.6658% | 3,891 |
| Total domestic deposits to total assets | 78.1633% | 4,397 |
| Equity capital to assets | 11.2421% | 1,218 |
| Core capital (leverage) ratio | 11.3193% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0626% | 555 |
| Memoranda: | ||
| Average total assets | $181,338,588,500 | 21 |
| Average earning assets | $171,833,849,000 | 19 |
| Average equity | $20,130,093,500 | 16 |
| Average total loans | $58,237,601,000 | 30 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4385% | 4,753 |
| Cost of funding earning assets | 0.2438% | 3,007 |
| Net interest margin | 1.1947% | 4,760 |
| Noninterest income to average assets | 0.5651% | 2,300 |
| Noninterest expense to average assets | 1.4787% | 4,564 |
| Loan and lease loss provision to assets | -0.2928% | 4,773 |
| Net operating income to assets | 0.3903% | 4,290 |
| Return on assets (ROA) | 0.4170% | 4,286 |
| Pretax return on assets | 0.5490% | 4,179 |
| Return on Equity (ROE) | 3.7864% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.3136% | 3,490 |
| Net charge-offs to loans | 0.2164% | 429 |
| Credit loss provision to net charge-offs | -330.9445% | 3,639 |
| Earnings coverage of net charge-offs (x) | 3.3052% | 2,553 |
| Efficiency ratio | 86.7293% | 432 |
| Assets per employee ($millions) | 58.0831% | 31 |
| Cash dividends to net income (ytd only)* | 12.4855% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 4,332 |
| Loan loss allowance to noncurrent loans | 32.3307% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 840 |
| Noncurrent loans to loans | 2.3430% | 300 |
| Net loans and leases to total assets | 31.1309% | 4,477 |
| Net loans and leases to deposits | 37.5066% | 4,428 |
| Net loans and leases to core deposits | 45.4794% | 4,206 |
| Total domestic deposits to total assets | 80.4331% | 4,173 |
| Equity capital to assets | 10.9696% | 1,808 |
| Core capital (leverage) ratio | 10.4744% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0768% | 552 |
| Memoranda: | ||
| Average total assets | $195,045,133,400 | 15 |
| Average earning assets | $185,465,763,000 | 14 |
| Average equity | $21,478,984,800 | 16 |
| Average total loans | $60,647,710,600 | 28 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4467% | 4,835 |
| Cost of funding earning assets | 0.2531% | 3,091 |
| Net interest margin | 1.1937% | 4,845 |
| Noninterest income to average assets | 0.5616% | 2,364 |
| Noninterest expense to average assets | 1.4091% | 4,681 |
| Loan and lease loss provision to assets | -0.3641% | 4,849 |
| Net operating income to assets | 0.4876% | 4,228 |
| Return on assets (ROA) | 0.5115% | 4,224 |
| Pretax return on assets | 0.6805% | 4,102 |
| Return on Equity (ROE) | 4.6409% | 4,198 |
| Retained earnings to average equity (ytd only) | 4.1723% | 3,524 |
| Net charge-offs to loans | 0.2839% | 285 |
| Credit loss provision to net charge-offs | -314.6850% | 3,504 |
| Earnings coverage of net charge-offs (x) | 3.2482% | 2,318 |
| Efficiency ratio | 82.9280% | 582 |
| Assets per employee ($millions) | 57.8756% | 30 |
| Cash dividends to net income (ytd only)* | 10.0972% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 4,343 |
| Loan loss allowance to noncurrent loans | 31.1196% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 940 |
| Noncurrent loans to loans | 2.5825% | 282 |
| Net loans and leases to total assets | 29.3876% | 4,607 |
| Net loans and leases to deposits | 35.3346% | 4,593 |
| Net loans and leases to core deposits | 43.3004% | 4,404 |
| Total domestic deposits to total assets | 79.5470% | 4,292 |
| Equity capital to assets | 10.9050% | 2,083 |
| Core capital (leverage) ratio | 10.9944% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7399% | 550 |
| Memoranda: | ||
| Average total assets | $196,817,227,750 | 15 |
| Average earning assets | $186,927,327,000 | 14 |
| Average equity | $21,694,227,000 | 16 |
| Average total loans | $61,069,827,500 | 29 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4778% | 4,872 |
| Cost of funding earning assets | 0.2703% | 3,086 |
| Net interest margin | 1.2075% | 4,879 |
| Noninterest income to average assets | 0.6146% | 2,152 |
| Noninterest expense to average assets | 1.4650% | 4,657 |
| Loan and lease loss provision to assets | -0.4660% | 4,899 |
| Net operating income to assets | 0.5634% | 4,067 |
| Return on assets (ROA) | 0.5972% | 4,042 |
| Pretax return on assets | 0.8029% | 3,863 |
| Return on Equity (ROE) | 5.3988% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.9293% | 3,210 |
| Net charge-offs to loans | 0.3946% | 214 |
| Credit loss provision to net charge-offs | -283.8516% | 3,301 |
| Earnings coverage of net charge-offs (x) | 2.3651% | 2,126 |
| Efficiency ratio | 83.0972% | 606 |
| Assets per employee ($millions) | 53.9513% | 31 |
| Cash dividends to net income (ytd only)* | 8.6962% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 4,057 |
| Loan loss allowance to noncurrent loans | 33.5176% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 932 |
| Noncurrent loans to loans | 2.7827% | 274 |
| Net loans and leases to total assets | 29.8058% | 4,655 |
| Net loans and leases to deposits | 35.8089% | 4,638 |
| Net loans and leases to core deposits | 44.5504% | 4,444 |
| Total domestic deposits to total assets | 79.5410% | 4,288 |
| Equity capital to assets | 11.1466% | 1,878 |
| Core capital (leverage) ratio | 10.7657% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2908% | 592 |
| Memoranda: | ||
| Average total assets | $195,885,368,333 | 15 |
| Average earning assets | $185,652,335,333 | 14 |
| Average equity | $21,669,677,333 | 16 |
| Average total loans | $61,714,183,667 | 29 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5021% | 4,902 |
| Cost of funding earning assets | 0.2873% | 3,128 |
| Net interest margin | 1.2149% | 4,911 |
| Noninterest income to average assets | 0.6703% | 1,957 |
| Noninterest expense to average assets | 1.3378% | 4,792 |
| Loan and lease loss provision to assets | -0.4638% | 4,909 |
| Net operating income to assets | 0.6949% | 3,721 |
| Return on assets (ROA) | 0.7386% | 3,675 |
| Pretax return on assets | 1.0018% | 3,362 |
| Return on Equity (ROE) | 6.7017% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.2323% | 2,821 |
| Net charge-offs to loans | 0.1100% | 639 |
| Credit loss provision to net charge-offs | -827.3736% | 3,306 |
| Earnings coverage of net charge-offs (x) | 13.6259% | 1,395 |
| Efficiency ratio | 73.3008% | 1,370 |
| Assets per employee ($millions) | 51.4550% | 27 |
| Cash dividends to net income (ytd only)* | 7.0042% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,099 |
| Loan loss allowance to noncurrent loans | 47.3506% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 912 |
| Noncurrent loans to loans | 2.8959% | 278 |
| Net loans and leases to total assets | 31.4835% | 4,646 |
| Net loans and leases to deposits | 37.9344% | 4,623 |
| Net loans and leases to core deposits | 51.6130% | 4,212 |
| Total domestic deposits to total assets | 79.3015% | 4,296 |
| Equity capital to assets | 11.0083% | 1,854 |
| Core capital (leverage) ratio | 10.5118% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8378% | 596 |
| Memoranda: | ||
| Average total assets | $196,445,966,500 | 15 |
| Average earning assets | $185,990,337,000 | 14 |
| Average equity | $21,649,687,500 | 16 |
| Average total loans | $63,272,512,500 | 28 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9102% | 4,924 |
| Cost of funding earning assets | 0.6250% | 2,154 |
| Net interest margin | 1.2852% | 4,938 |
| Noninterest income to average assets | 0.7103% | 1,833 |
| Noninterest expense to average assets | 2.0066% | 4,130 |
| Loan and lease loss provision to assets | 0.3701% | 890 |
| Net operating income to assets | -0.4641% | 4,877 |
| Return on assets (ROA) | -0.3936% | 4,875 |
| Pretax return on assets | -0.3901% | 4,862 |
| Return on Equity (ROE) | -3.5746% | 4,879 |
| Retained earnings to average equity (ytd only) | -4.1246% | 4,814 |
| Net charge-offs to loans | 0.2690% | 640 |
| Credit loss provision to net charge-offs | 388.4805% | 1,468 |
| Earnings coverage of net charge-offs (x) | -0.9500% | 3,350 |
| Efficiency ratio | 83.8103% | 649 |
| Assets per employee ($millions) | 49.6689% | 29 |
| Cash dividends to net income (ytd only)* | -15.3853% | 4,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,361 |
| Loan loss allowance to noncurrent loans | 58.7179% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 1,144 |
| Noncurrent loans to loans | 2.6863% | 356 |
| Net loans and leases to total assets | 31.9790% | 4,706 |
| Net loans and leases to deposits | 39.6586% | 4,664 |
| Net loans and leases to core deposits | 54.9631% | 4,209 |
| Total domestic deposits to total assets | 77.9616% | 4,322 |
| Equity capital to assets | 11.0329% | 2,224 |
| Core capital (leverage) ratio | 10.3386% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0500% | 579 |
| Memoranda: | ||
| Average total assets | $197,268,416,400 | 14 |
| Average earning assets | $185,085,939,400 | 14 |
| Average equity | $21,722,694,000 | 15 |
| Average total loans | $69,868,878,400 | 26 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9917% | 4,965 |
| Cost of funding earning assets | 0.7212% | 1,897 |
| Net interest margin | 1.2704% | 4,985 |
| Noninterest income to average assets | 0.7482% | 1,649 |
| Noninterest expense to average assets | 2.1536% | 3,805 |
| Loan and lease loss provision to assets | 0.5214% | 550 |
| Net operating income to assets | -0.7199% | 4,919 |
| Return on assets (ROA) | -0.6454% | 4,917 |
| Pretax return on assets | -0.6616% | 4,910 |
| Return on Equity (ROE) | -5.8639% | 4,926 |
| Retained earnings to average equity (ytd only) | -6.4391% | 4,879 |
| Net charge-offs to loans | 0.2979% | 528 |
| Credit loss provision to net charge-offs | 484.0639% | 1,313 |
| Earnings coverage of net charge-offs (x) | -2.0069% | 3,168 |
| Efficiency ratio | 83.6126% | 632 |
| Assets per employee ($millions) | 48.1672% | 27 |
| Cash dividends to net income (ytd only)* | -9.8083% | 4,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 1,153 |
| Loan loss allowance to noncurrent loans | 86.8692% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 1,886 |
| Noncurrent loans to loans | 1.8206% | 726 |
| Net loans and leases to total assets | 33.2915% | 4,760 |
| Net loans and leases to deposits | 41.0722% | 4,720 |
| Net loans and leases to core deposits | 58.1670% | 4,297 |
| Total domestic deposits to total assets | 78.2206% | 4,162 |
| Equity capital to assets | 10.7738% | 2,570 |
| Core capital (leverage) ratio | 10.1549% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1928% | 652 |
| Memoranda: | ||
| Average total assets | $197,090,434,750 | 14 |
| Average earning assets | $184,485,312,750 | 14 |
| Average equity | $21,692,623,000 | 15 |
| Average total loans | $71,254,390,000 | 25 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1488% | 5,007 |
| Cost of funding earning assets | 0.8694% | 1,500 |
| Net interest margin | 1.2795% | 5,029 |
| Noninterest income to average assets | 0.8347% | 1,333 |
| Noninterest expense to average assets | 2.4875% | 2,996 |
| Loan and lease loss provision to assets | 0.8657% | 263 |
| Net operating income to assets | -1.2505% | 4,981 |
| Return on assets (ROA) | -1.1925% | 4,977 |
| Pretax return on assets | -1.2637% | 4,970 |
| Return on Equity (ROE) | -10.7564% | 4,993 |
| Retained earnings to average equity (ytd only) | -11.3775% | 4,938 |
| Net charge-offs to loans | 0.3435% | 468 |
| Credit loss provision to net charge-offs | 681.9692% | 1,016 |
| Earnings coverage of net charge-offs (x) | -3.6203% | 2,970 |
| Efficiency ratio | 82.9048% | 701 |
| Assets per employee ($millions) | 48.4271% | 27 |
| Cash dividends to net income (ytd only)* | -5.7740% | 5,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 864 |
| Loan loss allowance to noncurrent loans | 101.1244% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 2,127 |
| Noncurrent loans to loans | 1.6567% | 881 |
| Net loans and leases to total assets | 33.1400% | 4,798 |
| Net loans and leases to deposits | 41.4339% | 4,760 |
| Net loans and leases to core deposits | 61.0050% | 4,210 |
| Total domestic deposits to total assets | 76.1373% | 4,413 |
| Equity capital to assets | 10.2489% | 2,969 |
| Core capital (leverage) ratio | 9.9499% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8277% | 790 |
| Memoranda: | ||
| Average total assets | $195,272,922,000 | 14 |
| Average earning assets | $182,109,533,000 | 14 |
| Average equity | $21,649,635,667 | 15 |
| Average total loans | $72,168,145,000 | 25 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4210% | 5,059 |
| Cost of funding earning assets | 1.1361% | 944 |
| Net interest margin | 1.2849% | 5,091 |
| Noninterest income to average assets | 0.8390% | 1,197 |
| Noninterest expense to average assets | 3.8830% | 570 |
| Loan and lease loss provision to assets | 1.0873% | 187 |
| Net operating income to assets | -2.6511% | 5,069 |
| Return on assets (ROA) | -2.5909% | 5,057 |
| Pretax return on assets | -2.8748% | 5,051 |
| Return on Equity (ROE) | -22.4150% | 5,065 |
| Retained earnings to average equity (ytd only) | -23.0426% | 4,991 |
| Net charge-offs to loans | 0.2636% | 553 |
| Credit loss provision to net charge-offs | 1,063.5449% | 548 |
| Earnings coverage of net charge-offs (x) | -18.1365% | 2,543 |
| Efficiency ratio | 108.7456% | 151 |
| Assets per employee ($millions) | 43.9934% | 28 |
| Cash dividends to net income (ytd only)* | -2.7999% | 5,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,774 |
| Loan loss allowance to noncurrent loans | 128.3224% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 2,989 |
| Noncurrent loans to loans | 0.9199% | 1,783 |
| Net loans and leases to total assets | 38.6232% | 4,710 |
| Net loans and leases to deposits | 53.2986% | 4,473 |
| Net loans and leases to core deposits | 84.5975% | 2,799 |
| Total domestic deposits to total assets | 68.1400% | 4,919 |
| Equity capital to assets | 10.7089% | 3,128 |
| Core capital (leverage) ratio | 10.9948% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0968% | 1,134 |
| Memoranda: | ||
| Average total assets | $187,386,691,500 | 14 |
| Average earning assets | $173,488,400,500 | 14 |
| Average equity | $21,659,526,000 | 15 |
| Average total loans | $72,686,146,000 | 25 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9873% | 5,056 |
| Cost of funding earning assets | 1.5485% | 346 |
| Net interest margin | 1.4388% | 5,140 |
| Noninterest income to average assets | 1.0251% | 919 |
| Noninterest expense to average assets | 1.9771% | 4,569 |
| Loan and lease loss provision to assets | 0.1103% | 1,891 |
| Net operating income to assets | 0.1513% | 4,885 |
| Return on assets (ROA) | 0.1931% | 4,865 |
| Pretax return on assets | 0.3263% | 4,796 |
| Return on Equity (ROE) | 1.5395% | 4,855 |
| Retained earnings to average equity (ytd only) | 0.9258% | 4,409 |
| Net charge-offs to loans | 0.1443% | 1,359 |
| Credit loss provision to net charge-offs | 197.6983% | 1,343 |
| Earnings coverage of net charge-offs (x) | 6.8793% | 2,924 |
| Efficiency ratio | 74.8460% | 1,508 |
| Assets per employee ($millions) | 37.6170% | 27 |
| Cash dividends to net income (ytd only)* | 39.8665% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 3,708 |
| Loan loss allowance to noncurrent loans | 91.5382% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 2,762 |
| Noncurrent loans to loans | 1.0469% | 1,447 |
| Net loans and leases to total assets | 38.0762% | 4,796 |
| Net loans and leases to deposits | 49.2868% | 4,706 |
| Net loans and leases to core deposits | 78.1299% | 3,438 |
| Total domestic deposits to total assets | 74.4810% | 4,740 |
| Equity capital to assets | 12.5511% | 1,785 |
| Core capital (leverage) ratio | 12.0330% | 1,754 |
| Tier 1 risk-based capital ratio | 17.3187% | 1,958 |
| Total risk-based capital ratio | 19.1577% | 1,732 |
| Memoranda: | ||
| Average total assets | $176,597,914,200 | 14 |
| Average earning assets | $163,943,600,800 | 14 |
| Average equity | $22,148,293,600 | 13 |
| Average total loans | $68,269,674,600 | 25 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0537% | 5,135 |
| Cost of funding earning assets | 1.6037% | 292 |
| Net interest margin | 1.4500% | 5,224 |
| Noninterest income to average assets | 0.9328% | 1,075 |
| Noninterest expense to average assets | 1.9685% | 4,611 |
| Loan and lease loss provision to assets | 0.1488% | 1,277 |
| Net operating income to assets | 0.0528% | 5,046 |
| Return on assets (ROA) | 0.1013% | 5,031 |
| Pretax return on assets | 0.2235% | 4,969 |
| Return on Equity (ROE) | 0.8076% | 5,030 |
| Retained earnings to average equity (ytd only) | 0.1970% | 4,729 |
| Net charge-offs to loans | 0.1229% | 1,278 |
| Credit loss provision to net charge-offs | 312.9311% | 926 |
| Earnings coverage of net charge-offs (x) | 6.5388% | 2,830 |
| Efficiency ratio | 74.1818% | 1,537 |
| Assets per employee ($millions) | 38.6124% | 27 |
| Cash dividends to net income (ytd only)* | 75.6087% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,711 |
| Loan loss allowance to noncurrent loans | 95.5088% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 2,928 |
| Noncurrent loans to loans | 1.0198% | 1,573 |
| Net loans and leases to total assets | 37.7186% | 4,873 |
| Net loans and leases to deposits | 50.8231% | 4,752 |
| Net loans and leases to core deposits | 80.6763% | 3,338 |
| Total domestic deposits to total assets | 71.4611% | 4,944 |
| Equity capital to assets | 11.9743% | 2,278 |
| Core capital (leverage) ratio | 11.1452% | 2,519 |
| Tier 1 risk-based capital ratio | 16.3341% | 2,320 |
| Total risk-based capital ratio | 18.9002% | 1,871 |
| Memoranda: | ||
| Average total assets | $177,525,467,500 | 15 |
| Average earning assets | $164,878,842,250 | 15 |
| Average equity | $22,260,530,750 | 14 |
| Average total loans | $68,720,590,250 | 26 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0966% | 5,186 |
| Cost of funding earning assets | 1.5770% | 295 |
| Net interest margin | 1.5196% | 5,274 |
| Noninterest income to average assets | 0.8949% | 1,080 |
| Noninterest expense to average assets | 1.7259% | 4,955 |
| Loan and lease loss provision to assets | 0.1187% | 1,575 |
| Net operating income to assets | 0.3500% | 4,801 |
| Return on assets (ROA) | 0.3811% | 4,782 |
| Pretax return on assets | 0.4995% | 4,703 |
| Return on Equity (ROE) | 2.9928% | 4,793 |
| Retained earnings to average equity (ytd only) | 2.3862% | 3,987 |
| Net charge-offs to loans | 0.0929% | 1,430 |
| Credit loss provision to net charge-offs | 328.1621% | 842 |
| Earnings coverage of net charge-offs (x) | 16.0023% | 1,955 |
| Efficiency ratio | 74.7257% | 1,554 |
| Assets per employee ($millions) | 38.7933% | 25 |
| Cash dividends to net income (ytd only)* | 20.2665% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,158 |
| Loan loss allowance to noncurrent loans | 99.9145% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 3,149 |
| Noncurrent loans to loans | 0.8830% | 1,840 |
| Net loans and leases to total assets | 38.1351% | 4,912 |
| Net loans and leases to deposits | 52.1955% | 4,734 |
| Net loans and leases to core deposits | 84.2307% | 3,087 |
| Total domestic deposits to total assets | 70.2501% | 5,040 |
| Equity capital to assets | 12.1479% | 2,079 |
| Core capital (leverage) ratio | 11.6847% | 2,031 |
| Tier 1 risk-based capital ratio | 16.4622% | 2,251 |
| Total risk-based capital ratio | 19.2285% | 1,764 |
| Memoranda: | ||
| Average total assets | $176,001,970,000 | 15 |
| Average earning assets | $163,281,563,330 | 15 |
| Average equity | $22,412,498,330 | 14 |
| Average total loans | $68,507,587,330 | 26 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1106% | 5,238 |
| Cost of funding earning assets | 1.5687% | 254 |
| Net interest margin | 1.5419% | 5,342 |
| Noninterest income to average assets | 0.8537% | 1,164 |
| Noninterest expense to average assets | 1.7224% | 4,999 |
| Loan and lease loss provision to assets | 0.1336% | 1,301 |
| Net operating income to assets | 0.3237% | 4,867 |
| Return on assets (ROA) | 0.3397% | 4,861 |
| Pretax return on assets | 0.4482% | 4,778 |
| Return on Equity (ROE) | 2.6051% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.0048% | 4,064 |
| Net charge-offs to loans | 0.0938% | 1,195 |
| Credit loss provision to net charge-offs | 363.5116% | 743 |
| Earnings coverage of net charge-offs (x) | 15.2813% | 1,747 |
| Efficiency ratio | 75.2493% | 1,582 |
| Assets per employee ($millions) | 37.4461% | 28 |
| Cash dividends to net income (ytd only)* | 23.0444% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 4,359 |
| Loan loss allowance to noncurrent loans | 106.3390% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 3,330 |
| Noncurrent loans to loans | 0.7964% | 2,047 |
| Net loans and leases to total assets | 38.4375% | 4,939 |
| Net loans and leases to deposits | 52.6848% | 4,724 |
| Net loans and leases to core deposits | 85.9707% | 2,872 |
| Total domestic deposits to total assets | 69.2980% | 5,131 |
| Equity capital to assets | 12.1556% | 1,932 |
| Core capital (leverage) ratio | 11.6823% | 1,998 |
| Tier 1 risk-based capital ratio | 15.8733% | 2,498 |
| Total risk-based capital ratio | 18.5659% | 1,950 |
| Memoranda: | ||
| Average total assets | $173,653,430,500 | 15 |
| Average earning assets | $161,069,196,500 | 15 |
| Average equity | $22,643,149,500 | 15 |
| Average total loans | $67,999,835,000 | 27 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8186% | 5,289 |
| Cost of funding earning assets | 1.3085% | 207 |
| Net interest margin | 1.5101% | 5,373 |
| Noninterest income to average assets | 1.0916% | 778 |
| Noninterest expense to average assets | 2.0612% | 4,627 |
| Loan and lease loss provision to assets | -0.0414% | 5,177 |
| Net operating income to assets | 0.2833% | 5,031 |
| Return on assets (ROA) | 0.2922% | 5,012 |
| Pretax return on assets | 0.4811% | 4,827 |
| Return on Equity (ROE) | 2.2160% | 5,017 |
| Retained earnings to average equity (ytd only) | 1.6310% | 4,489 |
| Net charge-offs to loans | 0.1015% | 1,741 |
| Credit loss provision to net charge-offs | -108.8924% | 4,402 |
| Earnings coverage of net charge-offs (x) | 11.2779% | 2,638 |
| Efficiency ratio | 82.6409% | 732 |
| Assets per employee ($millions) | 36.0766% | 27 |
| Cash dividends to net income (ytd only)* | 26.3981% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,520 |
| Loan loss allowance to noncurrent loans | 96.5867% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 3,204 |
| Noncurrent loans to loans | 0.8332% | 1,939 |
| Net loans and leases to total assets | 39.2502% | 4,970 |
| Net loans and leases to deposits | 52.7551% | 4,798 |
| Net loans and leases to core deposits | 79.3622% | 3,472 |
| Total domestic deposits to total assets | 70.5817% | 5,137 |
| Equity capital to assets | 13.9629% | 982 |
| Core capital (leverage) ratio | 13.0573% | 1,224 |
| Tier 1 risk-based capital ratio | 17.6908% | 1,849 |
| Total risk-based capital ratio | 20.3792% | 1,458 |
| Memoranda: | ||
| Average total assets | $176,232,123,800 | 15 |
| Average earning assets | $163,158,362,400 | 14 |
| Average equity | $23,237,637,400 | 15 |
| Average total loans | $65,959,875,400 | 27 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7300% | 5,368 |
| Cost of funding earning assets | 1.2529% | 191 |
| Net interest margin | 1.4770% | 5,451 |
| Noninterest income to average assets | 1.1588% | 701 |
| Noninterest expense to average assets | 2.1393% | 4,457 |
| Loan and lease loss provision to assets | -0.0720% | 5,319 |
| Net operating income to assets | 0.2506% | 5,152 |
| Return on assets (ROA) | 0.2531% | 5,142 |
| Pretax return on assets | 0.4618% | 4,956 |
| Return on Equity (ROE) | 1.9472% | 5,137 |
| Retained earnings to average equity (ytd only) | 1.3592% | 4,758 |
| Net charge-offs to loans | 0.1014% | 1,478 |
| Credit loss provision to net charge-offs | -192.3795% | 4,320 |
| Earnings coverage of net charge-offs (x) | 10.3316% | 2,592 |
| Efficiency ratio | 84.5512% | 615 |
| Assets per employee ($millions) | 36.1005% | 29 |
| Cash dividends to net income (ytd only)* | 30.1959% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,561 |
| Loan loss allowance to noncurrent loans | 82.2504% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 3,156 |
| Noncurrent loans to loans | 0.9906% | 1,720 |
| Net loans and leases to total assets | 37.7568% | 5,087 |
| Net loans and leases to deposits | 51.0988% | 4,915 |
| Net loans and leases to core deposits | 79.7857% | 3,512 |
| Total domestic deposits to total assets | 68.4755% | 5,272 |
| Equity capital to assets | 13.4653% | 1,147 |
| Core capital (leverage) ratio | 12.6995% | 1,417 |
| Tier 1 risk-based capital ratio | 17.6581% | 1,882 |
| Total risk-based capital ratio | 20.3796% | 1,478 |
| Memoranda: | ||
| Average total assets | $177,837,044,250 | 14 |
| Average earning assets | $164,592,035,500 | 14 |
| Average equity | $23,119,363,250 | 15 |
| Average total loans | $65,651,716,000 | 27 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 5,449 |
| Cost of funding earning assets | 1.1862% | 192 |
| Net interest margin | 1.4560% | 5,516 |
| Noninterest income to average assets | 1.1753% | 691 |
| Noninterest expense to average assets | 2.3003% | 4,141 |
| Loan and lease loss provision to assets | -0.1293% | 5,445 |
| Net operating income to assets | 0.1250% | 5,275 |
| Return on assets (ROA) | 0.1346% | 5,263 |
| Pretax return on assets | 0.3631% | 5,092 |
| Return on Equity (ROE) | 1.0473% | 5,267 |
| Retained earnings to average equity (ytd only) | 0.4585% | 4,873 |
| Net charge-offs to loans | 0.1006% | 1,346 |
| Credit loss provision to net charge-offs | -351.7361% | 4,297 |
| Earnings coverage of net charge-offs (x) | 6.0255% | 2,662 |
| Efficiency ratio | 91.0704% | 333 |
| Assets per employee ($millions) | 37.9083% | 28 |
| Cash dividends to net income (ytd only)* | 56.2197% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 4,633 |
| Loan loss allowance to noncurrent loans | 63.7648% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 2,864 |
| Noncurrent loans to loans | 1.2893% | 1,326 |
| Net loans and leases to total assets | 35.8855% | 5,183 |
| Net loans and leases to deposits | 49.0836% | 5,001 |
| Net loans and leases to core deposits | 73.1609% | 3,932 |
| Total domestic deposits to total assets | 69.2979% | 5,296 |
| Equity capital to assets | 12.9756% | 1,305 |
| Core capital (leverage) ratio | 12.1346% | 1,629 |
| Tier 1 risk-based capital ratio | 17.7238% | 1,883 |
| Total risk-based capital ratio | 20.6612% | 1,413 |
| Memoranda: | ||
| Average total assets | $179,656,028,000 | 14 |
| Average earning assets | $166,155,117,330 | 14 |
| Average equity | $23,088,638,670 | 15 |
| Average total loans | $65,662,321,000 | 26 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5498% | 5,524 |
| Cost of funding earning assets | 1.1036% | 225 |
| Net interest margin | 1.4461% | 5,584 |
| Noninterest income to average assets | 1.1341% | 730 |
| Noninterest expense to average assets | 2.8386% | 2,574 |
| Loan and lease loss provision to assets | -0.1565% | 5,536 |
| Net operating income to assets | -0.4439% | 5,488 |
| Return on assets (ROA) | -0.4396% | 5,484 |
| Pretax return on assets | -0.2045% | 5,439 |
| Return on Equity (ROE) | -3.4369% | 5,478 |
| Retained earnings to average equity (ytd only) | -4.0268% | 5,141 |
| Net charge-offs to loans | 0.0662% | 1,447 |
| Credit loss provision to net charge-offs | -643.9715% | 4,070 |
| Earnings coverage of net charge-offs (x) | -15.0324% | 2,704 |
| Efficiency ratio | 114.6270% | 82 |
| Assets per employee ($millions) | 37.7063% | 28 |
| Cash dividends to net income (ytd only)* | -17.1633% | 5,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,406 |
| Loan loss allowance to noncurrent loans | 55.8693% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 2,505 |
| Noncurrent loans to loans | 1.6275% | 1,069 |
| Net loans and leases to total assets | 36.2776% | 5,199 |
| Net loans and leases to deposits | 48.5785% | 5,022 |
| Net loans and leases to core deposits | 71.4524% | 4,009 |
| Total domestic deposits to total assets | 71.1974% | 5,325 |
| Equity capital to assets | 12.6827% | 1,391 |
| Core capital (leverage) ratio | 11.7799% | 1,790 |
| Tier 1 risk-based capital ratio | 17.3869% | 2,009 |
| Total risk-based capital ratio | 20.3634% | 1,484 |
| Memoranda: | ||
| Average total assets | $180,172,044,500 | 14 |
| Average earning assets | $166,851,168,500 | 14 |
| Average equity | $23,044,162,500 | 15 |
| Average total loans | $66,177,732,000 | 24 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2741% | 5,593 |
| Cost of funding earning assets | 0.8797% | 423 |
| Net interest margin | 1.3944% | 5,622 |
| Noninterest income to average assets | 0.8498% | 1,406 |
| Noninterest expense to average assets | 1.7444% | 5,287 |
| Loan and lease loss provision to assets | -0.0853% | 5,459 |
| Net operating income to assets | -0.1379% | 5,429 |
| Return on assets (ROA) | -0.1205% | 5,426 |
| Pretax return on assets | 0.5132% | 4,909 |
| Return on Equity (ROE) | -0.9794% | 5,427 |
| Retained earnings to average equity (ytd only) | -1.5514% | 5,235 |
| Net charge-offs to loans | 0.2511% | 1,041 |
| Credit loss provision to net charge-offs | -96.0711% | 4,705 |
| Earnings coverage of net charge-offs (x) | 4.5126% | 3,454 |
| Efficiency ratio | 81.1613% | 994 |
| Assets per employee ($millions) | 29.8530% | 32 |
| Cash dividends to net income (ytd only)* | -58.4019% | 5,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 3,784 |
| Loan loss allowance to noncurrent loans | 60.5259% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 2,443 |
| Noncurrent loans to loans | 1.6917% | 969 |
| Net loans and leases to total assets | 36.4725% | 5,270 |
| Net loans and leases to deposits | 49.4086% | 5,084 |
| Net loans and leases to core deposits | 73.9348% | 3,883 |
| Total domestic deposits to total assets | 70.3566% | 5,393 |
| Equity capital to assets | 12.8972% | 1,317 |
| Core capital (leverage) ratio | 11.6785% | 1,810 |
| Tier 1 risk-based capital ratio | 18.8355% | 1,548 |
| Total risk-based capital ratio | 22.0654% | 1,150 |
| Memoranda: | ||
| Average total assets | $193,164,480,600 | 13 |
| Average earning assets | $179,453,645,000 | 14 |
| Average equity | $23,765,284,600 | 14 |
| Average total loans | $68,321,756,200 | 22 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2393% | 5,659 |
| Cost of funding earning assets | 0.8472% | 460 |
| Net interest margin | 1.3921% | 5,693 |
| Noninterest income to average assets | 0.7579% | 1,742 |
| Noninterest expense to average assets | 1.6195% | 5,437 |
| Loan and lease loss provision to assets | -0.0817% | 5,564 |
| Net operating income to assets | 0.3287% | 5,160 |
| Return on assets (ROA) | 0.3412% | 5,158 |
| Pretax return on assets | 0.5344% | 4,962 |
| Return on Equity (ROE) | 2.8042% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.2352% | 4,521 |
| Net charge-offs to loans | 0.1890% | 1,114 |
| Credit loss provision to net charge-offs | -123.4367% | 4,543 |
| Earnings coverage of net charge-offs (x) | 6.5445% | 2,976 |
| Efficiency ratio | 78.7349% | 1,243 |
| Assets per employee ($millions) | 33.6494% | 30 |
| Cash dividends to net income (ytd only)* | 20.2901% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,893 |
| Loan loss allowance to noncurrent loans | 63.2266% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 2,543 |
| Noncurrent loans to loans | 1.9098% | 909 |
| Net loans and leases to total assets | 33.3721% | 5,425 |
| Net loans and leases to deposits | 46.0036% | 5,255 |
| Net loans and leases to core deposits | 69.0408% | 4,301 |
| Total domestic deposits to total assets | 68.2739% | 5,529 |
| Equity capital to assets | 12.3151% | 1,775 |
| Core capital (leverage) ratio | 11.5377% | 1,990 |
| Tier 1 risk-based capital ratio | 19.2079% | 1,537 |
| Total risk-based capital ratio | 22.5032% | 1,136 |
| Memoranda: | ||
| Average total assets | $196,362,669,750 | 13 |
| Average earning assets | $182,640,093,000 | 13 |
| Average equity | $23,890,879,500 | 13 |
| Average total loans | $68,785,534,750 | 21 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2194% | 5,709 |
| Cost of funding earning assets | 0.8094% | 504 |
| Net interest margin | 1.4100% | 5,742 |
| Noninterest income to average assets | 0.7596% | 1,727 |
| Noninterest expense to average assets | 1.6231% | 5,476 |
| Loan and lease loss provision to assets | -0.1000% | 5,644 |
| Net operating income to assets | 0.3593% | 5,070 |
| Return on assets (ROA) | 0.3752% | 5,060 |
| Pretax return on assets | 0.5733% | 4,856 |
| Return on Equity (ROE) | 3.0963% | 5,085 |
| Retained earnings to average equity (ytd only) | 2.5255% | 4,171 |
| Net charge-offs to loans | 0.2032% | 994 |
| Credit loss provision to net charge-offs | -138.8692% | 4,404 |
| Earnings coverage of net charge-offs (x) | 6.2315% | 2,730 |
| Efficiency ratio | 78.1797% | 1,437 |
| Assets per employee ($millions) | 33.6252% | 32 |
| Cash dividends to net income (ytd only)* | 18.4369% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,640 |
| Loan loss allowance to noncurrent loans | 62.0309% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 2,401 |
| Noncurrent loans to loans | 2.0272% | 829 |
| Net loans and leases to total assets | 34.6893% | 5,422 |
| Net loans and leases to deposits | 48.3475% | 5,200 |
| Net loans and leases to core deposits | 72.9473% | 4,021 |
| Total domestic deposits to total assets | 66.7701% | 5,625 |
| Equity capital to assets | 12.5278% | 1,606 |
| Core capital (leverage) ratio | 11.1999% | 2,220 |
| Tier 1 risk-based capital ratio | 19.1310% | 1,571 |
| Total risk-based capital ratio | 22.6783% | 1,105 |
| Memoranda: | ||
| Average total assets | $196,514,573,670 | 13 |
| Average earning assets | $182,887,704,670 | 13 |
| Average equity | $23,812,475,670 | 13 |
| Average total loans | $69,654,927,000 | 21 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1459% | 5,782 |
| Cost of funding earning assets | 0.7533% | 638 |
| Net interest margin | 1.3926% | 5,814 |
| Noninterest income to average assets | 0.7767% | 1,634 |
| Noninterest expense to average assets | 1.5761% | 5,579 |
| Loan and lease loss provision to assets | -0.1541% | 5,779 |
| Net operating income to assets | 0.4365% | 4,831 |
| Return on assets (ROA) | 0.4431% | 4,826 |
| Pretax return on assets | 0.6623% | 4,555 |
| Return on Equity (ROE) | 3.7173% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.1437% | 3,842 |
| Net charge-offs to loans | 0.1101% | 1,289 |
| Credit loss provision to net charge-offs | -393.0811% | 4,190 |
| Earnings coverage of net charge-offs (x) | 12.7136% | 1,830 |
| Efficiency ratio | 75.8178% | 1,937 |
| Assets per employee ($millions) | 34.5944% | 29 |
| Cash dividends to net income (ytd only)* | 15.4320% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,397 |
| Loan loss allowance to noncurrent loans | 70.8908% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 2,658 |
| Noncurrent loans to loans | 1.8748% | 984 |
| Net loans and leases to total assets | 34.1148% | 5,465 |
| Net loans and leases to deposits | 45.4426% | 5,319 |
| Net loans and leases to core deposits | 70.1351% | 4,138 |
| Total domestic deposits to total assets | 66.6685% | 5,701 |
| Equity capital to assets | 11.8862% | 1,920 |
| Core capital (leverage) ratio | 11.3647% | 2,049 |
| Tier 1 risk-based capital ratio | 18.7438% | 1,681 |
| Total risk-based capital ratio | 22.3247% | 1,189 |
| Memoranda: | ||
| Average total assets | $198,805,666,500 | 13 |
| Average earning assets | $185,269,821,000 | 12 |
| Average equity | $23,696,253,500 | 13 |
| Average total loans | $70,768,455,000 | 21 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0680% | 5,836 |
| Cost of funding earning assets | 0.6409% | 1,098 |
| Net interest margin | 1.4270% | 5,858 |
| Noninterest income to average assets | 0.5869% | 2,730 |
| Noninterest expense to average assets | 1.6150% | 5,638 |
| Loan and lease loss provision to assets | 0.1879% | 1,253 |
| Net operating income to assets | 0.0618% | 5,602 |
| Return on assets (ROA) | 0.0821% | 5,608 |
| Pretax return on assets | 0.1389% | 5,555 |
| Return on Equity (ROE) | 0.6770% | 5,605 |
| Retained earnings to average equity (ytd only) | 0.1101% | 5,270 |
| Net charge-offs to loans | 0.3474% | 784 |
| Credit loss provision to net charge-offs | 139.1268% | 1,962 |
| Earnings coverage of net charge-offs (x) | 2.1838% | 3,871 |
| Efficiency ratio | 84.3859% | 978 |
| Assets per employee ($millions) | 34.0480% | 29 |
| Cash dividends to net income (ytd only)* | 83.7345% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 2,046 |
| Loan loss allowance to noncurrent loans | 59.8629% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 2,159 |
| Noncurrent loans to loans | 2.3513% | 697 |
| Net loans and leases to total assets | 36.1202% | 5,480 |
| Net loans and leases to deposits | 48.6094% | 5,270 |
| Net loans and leases to core deposits | 77.4654% | 3,607 |
| Total domestic deposits to total assets | 66.2309% | 5,752 |
| Equity capital to assets | 11.9529% | 1,840 |
| Core capital (leverage) ratio | 11.0995% | 2,258 |
| Tier 1 risk-based capital ratio | 17.6238% | 1,970 |
| Total risk-based capital ratio | 21.1168% | 1,367 |
| Memoranda: | ||
| Average total assets | $197,810,669,600 | 12 |
| Average earning assets | $183,403,569,800 | 12 |
| Average equity | $23,979,392,200 | 11 |
| Average total loans | $76,909,258,600 | 20 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0625% | 5,904 |
| Cost of funding earning assets | 0.6169% | 1,227 |
| Net interest margin | 1.4455% | 5,926 |
| Noninterest income to average assets | 0.6578% | 2,374 |
| Noninterest expense to average assets | 1.5678% | 5,713 |
| Loan and lease loss provision to assets | 0.2380% | 814 |
| Net operating income to assets | 0.1177% | 5,604 |
| Return on assets (ROA) | 0.1498% | 5,615 |
| Pretax return on assets | 0.2416% | 5,530 |
| Return on Equity (ROE) | 1.2311% | 5,616 |
| Retained earnings to average equity (ytd only) | 0.6666% | 5,186 |
| Net charge-offs to loans | 0.3512% | 646 |
| Credit loss provision to net charge-offs | 171.8353% | 1,622 |
| Earnings coverage of net charge-offs (x) | 3.1011% | 3,466 |
| Efficiency ratio | 78.3308% | 1,642 |
| Assets per employee ($millions) | 35.0190% | 30 |
| Cash dividends to net income (ytd only)* | 45.8519% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 2,121 |
| Loan loss allowance to noncurrent loans | 60.5836% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 2,362 |
| Noncurrent loans to loans | 2.3407% | 782 |
| Net loans and leases to total assets | 36.1788% | 5,545 |
| Net loans and leases to deposits | 49.4688% | 5,324 |
| Net loans and leases to core deposits | 77.0426% | 3,751 |
| Total domestic deposits to total assets | 65.8453% | 5,822 |
| Equity capital to assets | 11.8862% | 2,192 |
| Core capital (leverage) ratio | 10.9519% | 2,500 |
| Tier 1 risk-based capital ratio | 17.4093% | 2,102 |
| Total risk-based capital ratio | 20.8241% | 1,494 |
| Memoranda: | ||
| Average total assets | $197,961,825,750 | 12 |
| Average earning assets | $183,453,866,250 | 11 |
| Average equity | $24,081,259,250 | 11 |
| Average total loans | $78,074,532,500 | 19 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1047% | 5,984 |
| Cost of funding earning assets | 0.6105% | 1,244 |
| Net interest margin | 1.4942% | 6,002 |
| Noninterest income to average assets | 0.6090% | 2,573 |
| Noninterest expense to average assets | 1.5656% | 5,791 |
| Loan and lease loss provision to assets | 0.2964% | 610 |
| Net operating income to assets | 0.0788% | 5,694 |
| Return on assets (ROA) | 0.1170% | 5,696 |
| Pretax return on assets | 0.1835% | 5,634 |
| Return on Equity (ROE) | 0.9544% | 5,697 |
| Retained earnings to average equity (ytd only) | 0.3889% | 5,185 |
| Net charge-offs to loans | 0.3547% | 659 |
| Credit loss provision to net charge-offs | 206.9254% | 1,266 |
| Earnings coverage of net charge-offs (x) | 2.9336% | 3,193 |
| Efficiency ratio | 78.6710% | 1,695 |
| Assets per employee ($millions) | 36.9611% | 29 |
| Cash dividends to net income (ytd only)* | 59.2534% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 2,368 |
| Loan loss allowance to noncurrent loans | 55.8952% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 2,276 |
| Noncurrent loans to loans | 2.4740% | 715 |
| Net loans and leases to total assets | 36.7475% | 5,574 |
| Net loans and leases to deposits | 50.1759% | 5,326 |
| Net loans and leases to core deposits | 79.7734% | 3,482 |
| Total domestic deposits to total assets | 65.9908% | 5,887 |
| Equity capital to assets | 11.7625% | 2,304 |
| Core capital (leverage) ratio | 10.9432% | 2,494 |
| Tier 1 risk-based capital ratio | 16.4964% | 2,430 |
| Total risk-based capital ratio | 19.9986% | 1,707 |
| Memoranda: | ||
| Average total assets | $196,047,268,670 | 12 |
| Average earning assets | $180,659,694,670 | 12 |
| Average equity | $24,037,386,330 | 11 |
| Average total loans | $79,179,924,670 | 18 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1578% | 6,041 |
| Cost of funding earning assets | 0.6104% | 1,272 |
| Net interest margin | 1.5474% | 6,063 |
| Noninterest income to average assets | 0.7055% | 2,019 |
| Noninterest expense to average assets | 1.5179% | 5,902 |
| Loan and lease loss provision to assets | 0.3287% | 461 |
| Net operating income to assets | 0.1926% | 5,537 |
| Return on assets (ROA) | 0.2238% | 5,545 |
| Pretax return on assets | 0.3330% | 5,447 |
| Return on Equity (ROE) | 1.7861% | 5,552 |
| Retained earnings to average equity (ytd only) | 1.2180% | 4,761 |
| Net charge-offs to loans | 0.2289% | 891 |
| Credit loss provision to net charge-offs | 341.3534% | 785 |
| Earnings coverage of net charge-offs (x) | 6.3885% | 2,247 |
| Efficiency ratio | 71.0014% | 2,958 |
| Assets per employee ($millions) | 34.9504% | 29 |
| Cash dividends to net income (ytd only)* | 31.8062% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 3,040 |
| Loan loss allowance to noncurrent loans | 77.5750% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 3,021 |
| Noncurrent loans to loans | 1.6407% | 1,393 |
| Net loans and leases to total assets | 39.9305% | 5,455 |
| Net loans and leases to deposits | 54.8036% | 5,052 |
| Net loans and leases to core deposits | 88.3922% | 2,527 |
| Total domestic deposits to total assets | 65.6168% | 5,973 |
| Equity capital to assets | 12.1140% | 1,948 |
| Core capital (leverage) ratio | 11.4290% | 2,023 |
| Tier 1 risk-based capital ratio | 15.3741% | 2,981 |
| Total risk-based capital ratio | 18.6123% | 2,138 |
| Memoranda: | ||
| Average total assets | $190,967,906,500 | 12 |
| Average earning assets | $176,177,671,500 | 12 |
| Average equity | $23,928,600,500 | 11 |
| Average total loans | $80,350,818,500 | 17 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9439% | 6,100 |
| Cost of funding earning assets | 0.4069% | 3,081 |
| Net interest margin | 1.5370% | 6,105 |
| Noninterest income to average assets | 0.8324% | 1,667 |
| Noninterest expense to average assets | 1.6976% | 5,840 |
| Loan and lease loss provision to assets | 0.1909% | 1,163 |
| Net operating income to assets | 0.2017% | 5,569 |
| Return on assets (ROA) | 0.2173% | 5,603 |
| Pretax return on assets | 0.3774% | 5,365 |
| Return on Equity (ROE) | 1.7899% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.3375% | 4,963 |
| Net charge-offs to loans | 0.1651% | 1,715 |
| Credit loss provision to net charge-offs | 280.1924% | 1,041 |
| Earnings coverage of net charge-offs (x) | 7.9804% | 3,015 |
| Efficiency ratio | 75.5840% | 2,340 |
| Assets per employee ($millions) | 31.3700% | 30 |
| Cash dividends to net income (ytd only)* | 25.2774% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,828 |
| Loan loss allowance to noncurrent loans | 76.0256% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 3,030 |
| Noncurrent loans to loans | 1.4946% | 1,552 |
| Net loans and leases to total assets | 43.3470% | 5,320 |
| Net loans and leases to deposits | 58.6307% | 4,877 |
| Net loans and leases to core deposits | 90.1247% | 2,391 |
| Total domestic deposits to total assets | 67.5832% | 5,984 |
| Equity capital to assets | 12.9819% | 1,356 |
| Core capital (leverage) ratio | 11.5601% | 1,915 |
| Tier 1 risk-based capital ratio | 15.4025% | 2,986 |
| Total risk-based capital ratio | 18.5798% | 2,126 |
| Memoranda: | ||
| Average total assets | $189,030,487,600 | 12 |
| Average earning assets | $173,298,947,200 | 11 |
| Average equity | $22,951,345,400 | 11 |
| Average total loans | $78,024,220,800 | 14 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9061% | 6,197 |
| Cost of funding earning assets | 0.3618% | 3,637 |
| Net interest margin | 1.5443% | 6,201 |
| Noninterest income to average assets | 0.8917% | 1,476 |
| Noninterest expense to average assets | 1.6833% | 5,914 |
| Loan and lease loss provision to assets | 0.0657% | 2,871 |
| Net operating income to assets | 0.3333% | 5,362 |
| Return on assets (ROA) | 0.3641% | 5,364 |
| Pretax return on assets | 0.6061% | 4,958 |
| Return on Equity (ROE) | 3.0493% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.6399% | 4,531 |
| Net charge-offs to loans | 0.1658% | 1,490 |
| Credit loss provision to net charge-offs | 97.3758% | 2,345 |
| Earnings coverage of net charge-offs (x) | 9.2464% | 2,720 |
| Efficiency ratio | 72.8264% | 2,745 |
| Assets per employee ($millions) | 32.7122% | 28 |
| Cash dividends to net income (ytd only)* | 13.4288% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 5,373 |
| Loan loss allowance to noncurrent loans | 62.3985% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 3,614 |
| Noncurrent loans to loans | 1.3598% | 1,882 |
| Net loans and leases to total assets | 39.9450% | 5,592 |
| Net loans and leases to deposits | 53.6002% | 5,276 |
| Net loans and leases to core deposits | 86.4669% | 2,800 |
| Total domestic deposits to total assets | 65.4503% | 6,104 |
| Equity capital to assets | 12.1424% | 2,005 |
| Core capital (leverage) ratio | 11.5962% | 1,962 |
| Tier 1 risk-based capital ratio | 15.5941% | 3,000 |
| Total risk-based capital ratio | 18.5957% | 2,187 |
| Memoranda: | ||
| Average total assets | $190,503,555,750 | 11 |
| Average earning assets | $174,568,157,250 | 11 |
| Average equity | $22,745,487,250 | 12 |
| Average total loans | $77,455,925,250 | 14 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9057% | 6,272 |
| Cost of funding earning assets | 0.3371% | 3,958 |
| Net interest margin | 1.5686% | 6,274 |
| Noninterest income to average assets | 0.8469% | 1,614 |
| Noninterest expense to average assets | 1.7228% | 5,946 |
| Loan and lease loss provision to assets | 0.0496% | 3,125 |
| Net operating income to assets | 0.2929% | 5,456 |
| Return on assets (ROA) | 0.3318% | 5,455 |
| Pretax return on assets | 0.5683% | 5,053 |
| Return on Equity (ROE) | 2.7956% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.4739% | 4,484 |
| Net charge-offs to loans | 0.2046% | 1,234 |
| Credit loss provision to net charge-offs | 59.3905% | 2,600 |
| Earnings coverage of net charge-offs (x) | 6.6759% | 2,754 |
| Efficiency ratio | 75.4160% | 2,470 |
| Assets per employee ($millions) | 30.3006% | 33 |
| Cash dividends to net income (ytd only)* | 11.5070% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 5,561 |
| Loan loss allowance to noncurrent loans | 62.5829% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 3,746 |
| Noncurrent loans to loans | 1.3029% | 2,061 |
| Net loans and leases to total assets | 41.4042% | 5,541 |
| Net loans and leases to deposits | 57.2046% | 5,049 |
| Net loans and leases to core deposits | 88.8486% | 2,469 |
| Total domestic deposits to total assets | 66.4885% | 6,157 |
| Equity capital to assets | 12.5600% | 1,625 |
| Core capital (leverage) ratio | 11.5782% | 1,940 |
| Tier 1 risk-based capital ratio | 15.2640% | 3,217 |
| Total risk-based capital ratio | 18.4359% | 2,282 |
| Memoranda: | ||
| Average total assets | $187,915,206,000 | 11 |
| Average earning assets | $171,653,450,670 | 11 |
| Average equity | $22,302,476,330 | 12 |
| Average total loans | $76,649,183,670 | 15 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8801% | 6,344 |
| Cost of funding earning assets | 0.3451% | 3,930 |
| Net interest margin | 1.5350% | 6,338 |
| Noninterest income to average assets | 0.8912% | 1,414 |
| Noninterest expense to average assets | 1.6774% | 6,037 |
| Loan and lease loss provision to assets | 0.1130% | 1,827 |
| Net operating income to assets | 0.3366% | 5,296 |
| Return on assets (ROA) | 0.3703% | 5,306 |
| Pretax return on assets | 0.5491% | 5,050 |
| Return on Equity (ROE) | 3.2154% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.2154% | 4,060 |
| Net charge-offs to loans | 0.1621% | 1,297 |
| Credit loss provision to net charge-offs | 172.9050% | 1,153 |
| Earnings coverage of net charge-offs (x) | 9.3634% | 2,016 |
| Efficiency ratio | 73.1197% | 2,971 |
| Assets per employee ($millions) | 31.0912% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 5,397 |
| Loan loss allowance to noncurrent loans | 63.8437% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 3,738 |
| Noncurrent loans to loans | 1.4324% | 1,994 |
| Net loans and leases to total assets | 39.1214% | 5,655 |
| Net loans and leases to deposits | 57.9709% | 4,918 |
| Net loans and leases to core deposits | 82.6658% | 2,895 |
| Total domestic deposits to total assets | 60.6718% | 6,314 |
| Equity capital to assets | 12.3377% | 1,795 |
| Core capital (leverage) ratio | 12.0168% | 1,627 |
| Tier 1 risk-based capital ratio | 15.3293% | 3,245 |
| Total risk-based capital ratio | 18.5473% | 2,334 |
| Memoranda: | ||
| Average total assets | $186,622,952,000 | 11 |
| Average earning assets | $169,975,145,000 | 11 |
| Average equity | $21,490,315,500 | 13 |
| Average total loans | $75,212,070,500 | 16 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8118% | 6,433 |
| Cost of funding earning assets | 0.3509% | 4,240 |
| Net interest margin | 1.4609% | 6,435 |
| Noninterest income to average assets | 0.8833% | 1,555 |
| Noninterest expense to average assets | 1.8224% | 6,043 |
| Loan and lease loss provision to assets | 0.1088% | 2,341 |
| Net operating income to assets | 0.2629% | 5,617 |
| Return on assets (ROA) | 0.3164% | 5,547 |
| Pretax return on assets | 0.3403% | 5,624 |
| Return on Equity (ROE) | 2.9853% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.9853% | 4,115 |
| Net charge-offs to loans | 0.1735% | 2,290 |
| Credit loss provision to net charge-offs | 162.9875% | 1,491 |
| Earnings coverage of net charge-offs (x) | 5.8655% | 3,337 |
| Efficiency ratio | 82.0498% | 1,656 |
| Assets per employee ($millions) | 28.6433% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 5,391 |
| Loan loss allowance to noncurrent loans | 62.0494% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 3,687 |
| Noncurrent loans to loans | 1.4895% | 1,969 |
| Net loans and leases to total assets | 40.8129% | 5,695 |
| Net loans and leases to deposits | 55.0245% | 5,245 |
| Net loans and leases to core deposits | 77.9027% | 3,534 |
| Total domestic deposits to total assets | 65.6586% | 6,334 |
| Equity capital to assets | 10.6199% | 3,334 |
| Core capital (leverage) ratio | 10.0568% | 3,488 |
| Tier 1 risk-based capital ratio | 13.5063% | 4,410 |
| Total risk-based capital ratio | 17.8568% | 2,620 |
| Memoranda: | ||
| Average total assets | $176,208,152,200 | 13 |
| Average earning assets | $160,485,179,600 | 12 |
| Average equity | $18,678,278,600 | 15 |
| Average total loans | $67,777,072,000 | 17 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8020% | 6,515 |
| Cost of funding earning assets | 0.3586% | 4,246 |
| Net interest margin | 1.4435% | 6,520 |
| Noninterest income to average assets | 0.9600% | 1,335 |
| Noninterest expense to average assets | 1.8010% | 6,087 |
| Loan and lease loss provision to assets | 0.0969% | 2,426 |
| Net operating income to assets | 0.3657% | 5,379 |
| Return on assets (ROA) | 0.3877% | 5,376 |
| Pretax return on assets | 0.3991% | 5,577 |
| Return on Equity (ROE) | 3.6588% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.6588% | 4,043 |
| Net charge-offs to loans | 0.2061% | 1,817 |
| Credit loss provision to net charge-offs | 124.4088% | 1,850 |
| Earnings coverage of net charge-offs (x) | 6.0792% | 3,142 |
| Efficiency ratio | 78.9287% | 2,062 |
| Assets per employee ($millions) | 27.1527% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 5,560 |
| Loan loss allowance to noncurrent loans | 56.2366% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 3,757 |
| Noncurrent loans to loans | 1.6263% | 2,007 |
| Net loans and leases to total assets | 40.6041% | 5,780 |
| Net loans and leases to deposits | 55.6685% | 5,267 |
| Net loans and leases to core deposits | 73.9438% | 3,944 |
| Total domestic deposits to total assets | 65.5307% | 6,413 |
| Equity capital to assets | 11.2198% | 2,739 |
| Core capital (leverage) ratio | 10.0901% | 3,540 |
| Tier 1 risk-based capital ratio | 13.6092% | 4,469 |
| Total risk-based capital ratio | 17.9822% | 2,667 |
| Memoranda: | ||
| Average total assets | $175,590,958,500 | 13 |
| Average earning assets | $159,884,686,250 | 11 |
| Average equity | $18,604,037,000 | 15 |
| Average total loans | $66,320,474,000 | 18 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7724% | 6,587 |
| Cost of funding earning assets | 0.3637% | 4,273 |
| Net interest margin | 1.4087% | 6,590 |
| Noninterest income to average assets | 0.9404% | 1,363 |
| Noninterest expense to average assets | 1.7329% | 6,236 |
| Loan and lease loss provision to assets | 0.1171% | 2,085 |
| Net operating income to assets | 0.4195% | 5,141 |
| Return on assets (ROA) | 0.4273% | 5,194 |
| Pretax return on assets | 0.3797% | 5,613 |
| Return on Equity (ROE) | 4.1098% | 5,097 |
| Retained earnings to average equity (ytd only) | 4.1098% | 3,559 |
| Net charge-offs to loans | 0.2539% | 1,540 |
| Credit loss provision to net charge-offs | 125.4368% | 1,657 |
| Earnings coverage of net charge-offs (x) | 5.2385% | 2,961 |
| Efficiency ratio | 77.7357% | 2,332 |
| Assets per employee ($millions) | 27.7972% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 5,646 |
| Loan loss allowance to noncurrent loans | 54.3965% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 3,930 |
| Noncurrent loans to loans | 1.7012% | 2,038 |
| Net loans and leases to total assets | 38.4749% | 5,924 |
| Net loans and leases to deposits | 52.1885% | 5,487 |
| Net loans and leases to core deposits | 72.1603% | 4,037 |
| Total domestic deposits to total assets | 63.6598% | 6,513 |
| Equity capital to assets | 10.7994% | 3,091 |
| Core capital (leverage) ratio | 9.7120% | 4,019 |
| Tier 1 risk-based capital ratio | 13.5700% | 4,543 |
| Total risk-based capital ratio | 18.0305% | 2,683 |
| Memoranda: | ||
| Average total assets | $177,978,588,000 | 12 |
| Average earning assets | $161,893,654,330 | 11 |
| Average equity | $18,506,283,670 | 15 |
| Average total loans | $65,420,653,330 | 18 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7393% | 6,664 |
| Cost of funding earning assets | 0.3785% | 4,214 |
| Net interest margin | 1.3607% | 6,671 |
| Noninterest income to average assets | 0.9957% | 1,136 |
| Noninterest expense to average assets | 1.6579% | 6,384 |
| Loan and lease loss provision to assets | 0.0435% | 3,226 |
| Net operating income to assets | 0.2790% | 5,567 |
| Return on assets (ROA) | 0.3071% | 5,517 |
| Pretax return on assets | 0.5786% | 4,902 |
| Return on Equity (ROE) | 3.0099% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.0099% | 4,307 |
| Net charge-offs to loans | 0.3215% | 1,105 |
| Credit loss provision to net charge-offs | 37.8775% | 2,318 |
| Earnings coverage of net charge-offs (x) | 5.0302% | 2,435 |
| Efficiency ratio | 73.8866% | 3,162 |
| Assets per employee ($millions) | 27.8489% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 5,910 |
| Loan loss allowance to noncurrent loans | 52.8243% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 4,238 |
| Noncurrent loans to loans | 1.6759% | 2,316 |
| Net loans and leases to total assets | 35.7908% | 6,078 |
| Net loans and leases to deposits | 54.9931% | 5,198 |
| Net loans and leases to core deposits | 73.1711% | 3,744 |
| Total domestic deposits to total assets | 56.8136% | 6,651 |
| Equity capital to assets | 10.2773% | 3,509 |
| Core capital (leverage) ratio | 9.4898% | 4,297 |
| Tier 1 risk-based capital ratio | 13.6583% | 4,571 |
| Total risk-based capital ratio | 18.1768% | 2,679 |
| Memoranda: | ||
| Average total assets | $179,684,745,500 | 12 |
| Average earning assets | $163,780,016,000 | 11 |
| Average equity | $18,333,350,000 | 16 |
| Average total loans | $64,235,250,000 | 19 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7344% | 6,733 |
| Cost of funding earning assets | 0.4052% | 4,592 |
| Net interest margin | 1.3292% | 6,739 |
| Noninterest income to average assets | 0.8927% | 1,704 |
| Noninterest expense to average assets | 1.8268% | 6,281 |
| Loan and lease loss provision to assets | 0.1056% | 3,031 |
| Net operating income to assets | 0.1049% | 6,035 |
| Return on assets (ROA) | 0.1778% | 5,944 |
| Pretax return on assets | 0.2713% | 5,800 |
| Return on Equity (ROE) | 1.7470% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.7470% | 4,990 |
| Net charge-offs to loans | 0.3742% | 1,804 |
| Credit loss provision to net charge-offs | 82.5610% | 2,974 |
| Earnings coverage of net charge-offs (x) | 2.0832% | 4,350 |
| Efficiency ratio | 84.2299% | 1,602 |
| Assets per employee ($millions) | 28.3955% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 5,748 |
| Loan loss allowance to noncurrent loans | 49.4635% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7076% | 4,129 |
| Noncurrent loans to loans | 1.9264% | 2,081 |
| Net loans and leases to total assets | 35.0504% | 6,243 |
| Net loans and leases to deposits | 51.2141% | 5,680 |
| Net loans and leases to core deposits | 71.1156% | 4,171 |
| Total domestic deposits to total assets | 57.3151% | 6,727 |
| Equity capital to assets | 10.1289% | 3,591 |
| Core capital (leverage) ratio | 9.0501% | 4,930 |
| Tier 1 risk-based capital ratio | 13.3184% | 4,774 |
| Total risk-based capital ratio | 18.0105% | 2,686 |
| Memoranda: | ||
| Average total assets | $182,564,526,600 | 11 |
| Average earning assets | $164,894,100,000 | 11 |
| Average equity | $18,575,732,600 | 16 |
| Average total loans | $62,391,157,400 | 20 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7213% | 6,815 |
| Cost of funding earning assets | 0.4089% | 4,744 |
| Net interest margin | 1.3124% | 6,828 |
| Noninterest income to average assets | 0.9880% | 1,486 |
| Noninterest expense to average assets | 1.7451% | 6,416 |
| Loan and lease loss provision to assets | 0.1033% | 3,042 |
| Net operating income to assets | 0.2142% | 5,877 |
| Return on assets (ROA) | 0.3042% | 5,715 |
| Pretax return on assets | 0.4618% | 5,472 |
| Return on Equity (ROE) | 2.9864% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.9864% | 4,539 |
| Net charge-offs to loans | 0.4171% | 1,535 |
| Credit loss provision to net charge-offs | 73.0706% | 3,002 |
| Earnings coverage of net charge-offs (x) | 3.0332% | 3,828 |
| Efficiency ratio | 80.0051% | 2,100 |
| Assets per employee ($millions) | 28.2889% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,000 |
| Loan loss allowance to noncurrent loans | 46.7496% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 4,285 |
| Noncurrent loans to loans | 1.9703% | 2,287 |
| Net loans and leases to total assets | 35.5596% | 6,298 |
| Net loans and leases to deposits | 52.7981% | 5,645 |
| Net loans and leases to core deposits | 72.6030% | 4,017 |
| Total domestic deposits to total assets | 57.4657% | 6,804 |
| Equity capital to assets | 10.2825% | 3,529 |
| Core capital (leverage) ratio | 9.2984% | 4,695 |
| Tier 1 risk-based capital ratio | 13.3225% | 4,890 |
| Total risk-based capital ratio | 17.9973% | 2,782 |
| Memoranda: | ||
| Average total assets | $183,262,715,250 | 11 |
| Average earning assets | $165,574,160,250 | 11 |
| Average equity | $18,667,425,750 | 16 |
| Average total loans | $62,084,714,250 | 20 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7310% | 6,865 |
| Cost of funding earning assets | 0.4087% | 4,860 |
| Net interest margin | 1.3223% | 6,874 |
| Noninterest income to average assets | 1.0681% | 1,343 |
| Noninterest expense to average assets | 1.7081% | 6,488 |
| Loan and lease loss provision to assets | 0.0958% | 3,190 |
| Net operating income to assets | 0.3162% | 5,541 |
| Return on assets (ROA) | 0.4307% | 5,261 |
| Pretax return on assets | 0.6254% | 4,924 |
| Return on Equity (ROE) | 4.2411% | 5,116 |
| Retained earnings to average equity (ytd only) | 4.2411% | 3,595 |
| Net charge-offs to loans | 0.4251% | 1,517 |
| Credit loss provision to net charge-offs | 67.8007% | 2,876 |
| Earnings coverage of net charge-offs (x) | 3.9302% | 3,265 |
| Efficiency ratio | 75.2015% | 2,916 |
| Assets per employee ($millions) | 27.5783% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 5,928 |
| Loan loss allowance to noncurrent loans | 44.1303% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 4,280 |
| Noncurrent loans to loans | 2.1990% | 2,179 |
| Net loans and leases to total assets | 33.8220% | 6,422 |
| Net loans and leases to deposits | 51.6717% | 5,713 |
| Net loans and leases to core deposits | 71.3239% | 4,135 |
| Total domestic deposits to total assets | 55.5804% | 6,862 |
| Equity capital to assets | 10.1226% | 3,761 |
| Core capital (leverage) ratio | 9.0244% | 4,948 |
| Tier 1 risk-based capital ratio | 14.1632% | 4,313 |
| Total risk-based capital ratio | 19.2020% | 2,297 |
| Memoranda: | ||
| Average total assets | $184,396,771,670 | 11 |
| Average earning assets | $166,654,633,330 | 11 |
| Average equity | $18,725,161,670 | 16 |
| Average total loans | $61,262,181,000 | 20 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6942% | 6,948 |
| Cost of funding earning assets | 0.3979% | 5,126 |
| Net interest margin | 1.2963% | 6,954 |
| Noninterest income to average assets | 1.0186% | 1,425 |
| Noninterest expense to average assets | 1.6928% | 6,565 |
| Loan and lease loss provision to assets | 0.0460% | 3,839 |
| Net operating income to assets | 0.2794% | 5,634 |
| Return on assets (ROA) | 0.4598% | 5,036 |
| Pretax return on assets | 0.7388% | 4,413 |
| Return on Equity (ROE) | 4.5206% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.5206% | 3,522 |
| Net charge-offs to loans | 0.6589% | 928 |
| Credit loss provision to net charge-offs | 21.2957% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.3288% | 3,070 |
| Efficiency ratio | 76.8168% | 2,793 |
| Assets per employee ($millions) | 26.3560% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 6,178 |
| Loan loss allowance to noncurrent loans | 42.5853% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 4,442 |
| Noncurrent loans to loans | 2.1904% | 2,401 |
| Net loans and leases to total assets | 32.8215% | 6,474 |
| Net loans and leases to deposits | 47.3738% | 5,971 |
| Net loans and leases to core deposits | 66.1424% | 4,512 |
| Total domestic deposits to total assets | 57.9781% | 6,927 |
| Equity capital to assets | 10.2665% | 3,836 |
| Core capital (leverage) ratio | 8.9462% | 4,976 |
| Tier 1 risk-based capital ratio | 14.2075% | 4,358 |
| Total risk-based capital ratio | 19.5192% | 2,233 |
| Memoranda: | ||
| Average total assets | $185,324,809,500 | 11 |
| Average earning assets | $168,272,870,500 | 11 |
| Average equity | $18,848,842,500 | 16 |
| Average total loans | $60,721,348,000 | 20 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7607% | 7,007 |
| Cost of funding earning assets | 0.4359% | 5,677 |
| Net interest margin | 1.3248% | 7,011 |
| Noninterest income to average assets | 0.8784% | 1,936 |
| Noninterest expense to average assets | 2.3545% | 5,549 |
| Loan and lease loss provision to assets | 0.1473% | 3,762 |
| Net operating income to assets | -0.6056% | 6,615 |
| Return on assets (ROA) | -0.4195% | 6,574 |
| Pretax return on assets | -0.2367% | 6,441 |
| Return on Equity (ROE) | -4.3131% | 6,566 |
| Retained earnings to average equity (ytd only) | -4.3131% | 6,383 |
| Net charge-offs to loans | 0.5800% | 1,990 |
| Credit loss provision to net charge-offs | 75.1827% | 3,999 |
| Earnings coverage of net charge-offs (x) | -1.4059% | 5,794 |
| Efficiency ratio | 112.9732% | 290 |
| Assets per employee ($millions) | 26.1427% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,681 |
| Loan loss allowance to noncurrent loans | 42.3405% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 4,324 |
| Noncurrent loans to loans | 2.5242% | 2,089 |
| Net loans and leases to total assets | 32.0585% | 6,628 |
| Net loans and leases to deposits | 46.8323% | 6,187 |
| Net loans and leases to core deposits | 65.2329% | 4,815 |
| Total domestic deposits to total assets | 57.8347% | 6,991 |
| Equity capital to assets | 10.0765% | 4,063 |
| Core capital (leverage) ratio | 8.4267% | 5,722 |
| Tier 1 risk-based capital ratio | 15.1909% | 3,618 |
| Total risk-based capital ratio | 21.0536% | 1,703 |
| Memoranda: | ||
| Average total assets | $197,968,455,600 | 10 |
| Average earning assets | $179,422,329,800 | 9 |
| Average equity | $19,255,238,600 | 13 |
| Average total loans | $66,887,088,800 | 17 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7571% | 7,120 |
| Cost of funding earning assets | 0.4384% | 5,874 |
| Net interest margin | 1.3186% | 7,122 |
| Noninterest income to average assets | 0.9587% | 1,643 |
| Noninterest expense to average assets | 2.6539% | 4,544 |
| Loan and lease loss provision to assets | 0.1140% | 4,140 |
| Net operating income to assets | -0.8463% | 6,818 |
| Return on assets (ROA) | -0.6015% | 6,765 |
| Pretax return on assets | -0.3689% | 6,642 |
| Return on Equity (ROE) | -6.2364% | 6,763 |
| Retained earnings to average equity (ytd only) | -6.2364% | 6,682 |
| Net charge-offs to loans | 0.5409% | 1,980 |
| Credit loss provision to net charge-offs | 61.8133% | 4,111 |
| Earnings coverage of net charge-offs (x) | -2.7078% | 5,674 |
| Efficiency ratio | 122.9273% | 176 |
| Assets per employee ($millions) | 27.2364% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 5,968 |
| Loan loss allowance to noncurrent loans | 37.3998% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 4,448 |
| Noncurrent loans to loans | 2.7575% | 2,053 |
| Net loans and leases to total assets | 31.1554% | 6,773 |
| Net loans and leases to deposits | 46.0065% | 6,385 |
| Net loans and leases to core deposits | 77.1260% | 3,589 |
| Total domestic deposits to total assets | 47.7798% | 7,118 |
| Equity capital to assets | 9.5901% | 5,084 |
| Core capital (leverage) ratio | 8.0065% | 6,323 |
| Tier 1 risk-based capital ratio | 14.4722% | 4,204 |
| Total risk-based capital ratio | 20.2800% | 1,975 |
| Memoranda: | ||
| Average total assets | $200,763,095,500 | 8 |
| Average earning assets | $182,038,259,750 | 8 |
| Average equity | $19,363,595,250 | 13 |
| Average total loans | $68,476,624,250 | 16 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7749% | 7,191 |
| Cost of funding earning assets | 0.4293% | 6,101 |
| Net interest margin | 1.3456% | 7,189 |
| Noninterest income to average assets | 1.0647% | 1,267 |
| Noninterest expense to average assets | 2.3574% | 5,602 |
| Loan and lease loss provision to assets | 0.0871% | 4,496 |
| Net operating income to assets | -0.5150% | 6,738 |
| Return on assets (ROA) | -0.1839% | 6,605 |
| Pretax return on assets | 0.1711% | 6,194 |
| Return on Equity (ROE) | -1.9036% | 6,616 |
| Retained earnings to average equity (ytd only) | -1.9036% | 6,350 |
| Net charge-offs to loans | 0.6020% | 1,811 |
| Credit loss provision to net charge-offs | 41.3800% | 4,235 |
| Earnings coverage of net charge-offs (x) | -0.3463% | 5,201 |
| Efficiency ratio | 102.9561% | 461 |
| Assets per employee ($millions) | 24.4913% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,805 |
| Loan loss allowance to noncurrent loans | 36.5444% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 4,525 |
| Noncurrent loans to loans | 2.9918% | 1,979 |
| Net loans and leases to total assets | 28.8380% | 6,909 |
| Net loans and leases to deposits | 41.8340% | 6,659 |
| Net loans and leases to core deposits | 65.4218% | 5,063 |
| Total domestic deposits to total assets | 51.7400% | 7,177 |
| Equity capital to assets | 10.0097% | 4,322 |
| Core capital (leverage) ratio | 8.0388% | 6,232 |
| Tier 1 risk-based capital ratio | 15.6379% | 3,370 |
| Total risk-based capital ratio | 21.7546% | 1,555 |
| Memoranda: | ||
| Average total assets | $202,271,323,000 | 8 |
| Average earning assets | $183,353,051,670 | 8 |
| Average equity | $19,545,006,000 | 13 |
| Average total loans | $70,710,188,000 | 16 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7689% | 7,252 |
| Cost of funding earning assets | 0.4087% | 6,366 |
| Net interest margin | 1.3602% | 7,251 |
| Noninterest income to average assets | 0.6096% | 3,167 |
| Noninterest expense to average assets | 1.6379% | 6,944 |
| Loan and lease loss provision to assets | 0.0003% | 5,253 |
| Net operating income to assets | 0.1502% | 6,116 |
| Return on assets (ROA) | 0.5568% | 4,775 |
| Pretax return on assets | 0.6289% | 5,020 |
| Return on Equity (ROE) | 5.8614% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.8614% | 3,035 |
| Net charge-offs to loans | 0.7248% | 1,392 |
| Credit loss provision to net charge-offs | 0.1128% | 3,995 |
| Earnings coverage of net charge-offs (x) | 0.7649% | 3,953 |
| Efficiency ratio | 88.4895% | 1,222 |
| Assets per employee ($millions) | 22.6938% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 6,787 |
| Loan loss allowance to noncurrent loans | 29.9225% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 4,450 |
| Noncurrent loans to loans | 2.5766% | 2,530 |
| Net loans and leases to total assets | 37.4890% | 6,527 |
| Net loans and leases to deposits | 51.8443% | 5,984 |
| Net loans and leases to core deposits | 82.6660% | 2,735 |
| Total domestic deposits to total assets | 52.2696% | 7,235 |
| Equity capital to assets | 9.5279% | 4,760 |
| Core capital (leverage) ratio | 8.0768% | 6,184 |
| Tier 1 risk-based capital ratio | 13.5439% | 4,796 |
| Total risk-based capital ratio | 18.7619% | 2,440 |
| Memoranda: | ||
| Average total assets | $206,409,320,500 | 8 |
| Average earning assets | $187,745,460,000 | 8 |
| Average equity | $19,608,305,000 | 12 |
| Average total loans | $77,783,930,000 | 15 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9297% | 7,293 |
| Cost of funding earning assets | 0.4080% | 6,867 |
| Net interest margin | 1.5217% | 7,286 |
| Noninterest income to average assets | 1.0083% | 1,348 |
| Noninterest expense to average assets | 1.9143% | 6,809 |
| Loan and lease loss provision to assets | 0.1321% | 4,961 |
| Net operating income to assets | 0.2145% | 5,546 |
| Return on assets (ROA) | 0.5658% | 4,350 |
| Pretax return on assets | 0.7027% | 4,319 |
| Return on Equity (ROE) | 5.9351% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.8631% | 2,739 |
| Net charge-offs to loans | 2.8588% | 361 |
| Credit loss provision to net charge-offs | 12.2710% | 5,994 |
| Earnings coverage of net charge-offs (x) | 0.4276% | 5,499 |
| Efficiency ratio | 80.4396% | 2,249 |
| Assets per employee ($millions) | 22.2858% | 56 |
| Cash dividends to net income (ytd only)* | 18.0624% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,365 |
| Loan loss allowance to noncurrent loans | 33.3804% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 4,371 |
| Noncurrent loans to loans | 2.8752% | 2,273 |
| Net loans and leases to total assets | 37.2272% | 6,684 |
| Net loans and leases to deposits | 51.4616% | 6,259 |
| Net loans and leases to core deposits | 80.9289% | 3,323 |
| Total domestic deposits to total assets | 53.0277% | 7,273 |
| Equity capital to assets | 9.4715% | 4,926 |
| Core capital (leverage) ratio | 7.9662% | 6,298 |
| Tier 1 risk-based capital ratio | 13.4532% | 4,731 |
| Total risk-based capital ratio | 18.8155% | 2,327 |
| Memoranda: | ||
| Average total assets | $195,690,658,000 | 8 |
| Average earning assets | $175,718,859,000 | 8 |
| Average equity | $18,656,444,800 | 13 |
| Average total loans | $73,716,822,800 | 15 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9579% | 7,371 |
| Cost of funding earning assets | 0.4145% | 6,983 |
| Net interest margin | 1.5434% | 7,360 |
| Noninterest income to average assets | 1.0659% | 1,182 |
| Noninterest expense to average assets | 1.8801% | 6,874 |
| Loan and lease loss provision to assets | 0.1181% | 4,955 |
| Net operating income to assets | 0.2860% | 5,443 |
| Return on assets (ROA) | 0.6229% | 4,174 |
| Pretax return on assets | 0.8125% | 4,080 |
| Return on Equity (ROE) | 6.5228% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.0769% | 3,122 |
| Net charge-offs to loans | 3.6893% | 195 |
| Credit loss provision to net charge-offs | 8.4951% | 5,672 |
| Earnings coverage of net charge-offs (x) | 0.4081% | 5,314 |
| Efficiency ratio | 76.6433% | 2,735 |
| Assets per employee ($millions) | 21.3071% | 64 |
| Cash dividends to net income (ytd only)* | 22.1669% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,196 |
| Loan loss allowance to noncurrent loans | 33.0858% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 4,381 |
| Noncurrent loans to loans | 3.0666% | 2,260 |
| Net loans and leases to total assets | 35.8708% | 6,872 |
| Net loans and leases to deposits | 51.4752% | 6,406 |
| Net loans and leases to core deposits | 80.7063% | 3,530 |
| Total domestic deposits to total assets | 51.2981% | 7,355 |
| Equity capital to assets | 9.4936% | 5,101 |
| Core capital (leverage) ratio | 7.9212% | 6,469 |
| Tier 1 risk-based capital ratio | 13.0876% | 5,031 |
| Total risk-based capital ratio | 18.4793% | 2,512 |
| Memoranda: | ||
| Average total assets | $193,110,901,750 | 8 |
| Average earning assets | $172,878,741,500 | 8 |
| Average equity | $18,442,520,500 | 13 |
| Average total loans | $72,787,327,250 | 15 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0675% | 7,321 |
| Cost of funding earning assets | 0.6055% | 6,428 |
| Net interest margin | 2.4620% | 7,207 |
| Noninterest income to average assets | 1.4206% | 633 |
| Noninterest expense to average assets | 2.2676% | 6,205 |
| Loan and lease loss provision to assets | 0.4183% | 2,343 |
| Net operating income to assets | 0.6144% | 3,987 |
| Return on assets (ROA) | 0.6516% | 3,915 |
| Pretax return on assets | 1.0007% | 3,239 |
| Return on Equity (ROE) | 6.8082% | 3,527 |
| Retained earnings to average equity (ytd only) | 4.6037% | 3,256 |
| Net charge-offs to loans | 3.0579% | 332 |
| Credit loss provision to net charge-offs | 35.8003% | 4,895 |
| Earnings coverage of net charge-offs (x) | 1.1650% | 4,407 |
| Efficiency ratio | 62.3766% | 5,530 |
| Assets per employee ($millions) | 19.7952% | 64 |
| Cash dividends to net income (ytd only)* | 32.3799% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0735% | 2,174 |
| Loan loss allowance to noncurrent loans | 64.1468% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 4,347 |
| Noncurrent loans to loans | 3.2325% | 2,211 |
| Net loans and leases to total assets | 35.3346% | 6,991 |
| Net loans and leases to deposits | 49.6981% | 6,626 |
| Net loans and leases to core deposits | 80.1703% | 3,761 |
| Total domestic deposits to total assets | 50.5900% | 7,424 |
| Equity capital to assets | 9.4859% | 4,832 |
| Core capital (leverage) ratio | 8.2561% | 5,936 |
| Tier 1 risk-based capital ratio | 13.1683% | 4,790 |
| Total risk-based capital ratio | 18.9578% | 2,228 |
| Memoranda: | ||
| Average total assets | $189,589,696,330 | 9 |
| Average earning assets | $170,047,097,670 | 9 |
| Average equity | $18,144,712,000 | 14 |
| Average total loans | $72,446,930,000 | 15 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 7,347 |
| Cost of funding earning assets | 0.5428% | 6,824 |
| Net interest margin | 2.6328% | 7,097 |
| Noninterest income to average assets | 1.4302% | 624 |
| Noninterest expense to average assets | 2.3323% | 6,099 |
| Loan and lease loss provision to assets | 0.2391% | 3,279 |
| Net operating income to assets | 1.0102% | 2,152 |
| Return on assets (ROA) | 1.0851% | 1,937 |
| Pretax return on assets | 1.3062% | 2,022 |
| Return on Equity (ROE) | 11.2856% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.2856% | 845 |
| Net charge-offs to loans | 4.0406% | 222 |
| Credit loss provision to net charge-offs | 15.0479% | 4,328 |
| Earnings coverage of net charge-offs (x) | 0.9154% | 3,968 |
| Efficiency ratio | 61.4814% | 5,763 |
| Assets per employee ($millions) | 18.5822% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 2,127 |
| Loan loss allowance to noncurrent loans | 62.9920% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 4,278 |
| Noncurrent loans to loans | 3.3747% | 2,220 |
| Net loans and leases to total assets | 36.8004% | 6,965 |
| Net loans and leases to deposits | 51.0465% | 6,542 |
| Net loans and leases to core deposits | 81.8060% | 3,481 |
| Total domestic deposits to total assets | 51.3749% | 7,480 |
| Equity capital to assets | 9.5166% | 4,405 |
| Core capital (leverage) ratio | 8.5853% | 5,288 |
| Tier 1 risk-based capital ratio | 13.2544% | 4,615 |
| Total risk-based capital ratio | 19.2205% | 2,090 |
| Memoranda: | ||
| Average total assets | $186,833,861,000 | 9 |
| Average earning assets | $167,243,791,500 | 8 |
| Average equity | $17,963,550,000 | 14 |
| Average total loans | $73,471,342,000 | 15 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 7,358 |
| Cost of funding earning assets | 0.6448% | 7,018 |
| Net interest margin | 2.9340% | 6,846 |
| Noninterest income to average assets | 1.5683% | 597 |
| Noninterest expense to average assets | 2.2015% | 6,608 |
| Loan and lease loss provision to assets | 0.6110% | 2,689 |
| Net operating income to assets | 0.8955% | 2,410 |
| Return on assets (ROA) | 0.8966% | 2,538 |
| Pretax return on assets | 1.3343% | 1,848 |
| Return on Equity (ROE) | 9.5688% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.5688% | 592 |
| Net charge-offs to loans | 3.6266% | 384 |
| Credit loss provision to net charge-offs | 39.9789% | 6,389 |
| Earnings coverage of net charge-offs (x) | 1.2729% | 4,830 |
| Efficiency ratio | 53.0039% | 6,894 |
| Assets per employee ($millions) | 17.6718% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9095% | 943 |
| Loan loss allowance to noncurrent loans | 76.9531% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.6772% | 3,784 |
| Noncurrent loans to loans | 3.7809% | 1,958 |
| Net loans and leases to total assets | 39.9605% | 6,966 |
| Net loans and leases to deposits | 56.2776% | 6,417 |
| Net loans and leases to core deposits | 85.6828% | 3,366 |
| Total domestic deposits to total assets | 52.9382% | 7,554 |
| Equity capital to assets | 9.7190% | 4,093 |
| Core capital (leverage) ratio | 8.2837% | 5,707 |
| Tier 1 risk-based capital ratio | 12.4264% | 5,084 |
| Total risk-based capital ratio | 18.4080% | 2,251 |
| Memoranda: | ||
| Average total assets | $181,034,553,000 | 7 |
| Average earning assets | $159,108,208,600 | 7 |
| Average equity | $16,963,170,000 | 15 |
| Average total loans | $76,288,615,400 | 15 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 7,482 |
| Cost of funding earning assets | 0.6633% | 7,146 |
| Net interest margin | 2.9617% | 6,912 |
| Noninterest income to average assets | 1.7588% | 468 |
| Noninterest expense to average assets | 2.2403% | 6,494 |
| Loan and lease loss provision to assets | 0.6519% | 2,341 |
| Net operating income to assets | 0.9487% | 2,420 |
| Return on assets (ROA) | 0.9547% | 2,524 |
| Pretax return on assets | 1.4647% | 1,705 |
| Return on Equity (ROE) | 10.2847% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.2847% | 733 |
| Net charge-offs to loans | 3.8260% | 331 |
| Credit loss provision to net charge-offs | 40.1979% | 6,013 |
| Earnings coverage of net charge-offs (x) | 1.2994% | 4,779 |
| Efficiency ratio | 51.4484% | 7,033 |
| Assets per employee ($millions) | 18.4438% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3180% | 626 |
| Loan loss allowance to noncurrent loans | 85.0676% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.6788% | 3,931 |
| Noncurrent loans to loans | 3.9004% | 1,941 |
| Net loans and leases to total assets | 38.5802% | 7,160 |
| Net loans and leases to deposits | 57.5835% | 6,499 |
| Net loans and leases to core deposits | 90.6173% | 3,009 |
| Total domestic deposits to total assets | 48.5786% | 7,666 |
| Equity capital to assets | 9.4566% | 4,913 |
| Core capital (leverage) ratio | 8.2192% | 6,009 |
| Tier 1 risk-based capital ratio | 11.7459% | 5,692 |
| Total risk-based capital ratio | 17.5868% | 2,578 |
| Memoranda: | ||
| Average total assets | $181,013,575,500 | 7 |
| Average earning assets | $158,220,844,000 | 7 |
| Average equity | $16,803,229,750 | 15 |
| Average total loans | $76,724,564,500 | 15 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 7,516 |
| Cost of funding earning assets | 0.6810% | 7,231 |
| Net interest margin | 3.0514% | 6,718 |
| Noninterest income to average assets | 1.7918% | 417 |
| Noninterest expense to average assets | 2.2779% | 6,414 |
| Loan and lease loss provision to assets | 0.7189% | 2,027 |
| Net operating income to assets | 0.9637% | 2,316 |
| Return on assets (ROA) | 0.9490% | 2,461 |
| Pretax return on assets | 1.4482% | 1,703 |
| Return on Equity (ROE) | 10.2920% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.2920% | 784 |
| Net charge-offs to loans | 4.0271% | 318 |
| Credit loss provision to net charge-offs | 41.2606% | 5,592 |
| Earnings coverage of net charge-offs (x) | 1.2565% | 4,564 |
| Efficiency ratio | 50.9120% | 7,159 |
| Assets per employee ($millions) | 20.4997% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9043% | 397 |
| Loan loss allowance to noncurrent loans | 101.7726% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6826% | 3,917 |
| Noncurrent loans to loans | 3.8363% | 2,005 |
| Net loans and leases to total assets | 39.1528% | 7,212 |
| Net loans and leases to deposits | 55.8835% | 6,736 |
| Net loans and leases to core deposits | 88.1922% | 3,520 |
| Total domestic deposits to total assets | 50.0909% | 7,733 |
| Equity capital to assets | 9.3202% | 4,977 |
| Core capital (leverage) ratio | 7.7058% | 6,601 |
| Tier 1 risk-based capital ratio | 11.2813% | 5,960 |
| Total risk-based capital ratio | 15.9264% | 3,315 |
| Memoranda: | ||
| Average total assets | $178,107,611,000 | 7 |
| Average earning assets | $156,163,362,000 | 7 |
| Average equity | $16,423,584,670 | 17 |
| Average total loans | $77,062,468,670 | 15 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 7,528 |
| Cost of funding earning assets | 0.6994% | 7,336 |
| Net interest margin | 3.1897% | 6,320 |
| Noninterest income to average assets | 1.9652% | 349 |
| Noninterest expense to average assets | 2.3851% | 6,143 |
| Loan and lease loss provision to assets | 0.4436% | 2,746 |
| Net operating income to assets | 1.2212% | 1,487 |
| Return on assets (ROA) | 1.2098% | 1,589 |
| Pretax return on assets | 1.9046% | 728 |
| Return on Equity (ROE) | 13.1935% | 1,215 |
| Retained earnings to average equity (ytd only) | 13.1935% | 595 |
| Net charge-offs to loans | 4.2450% | 309 |
| Credit loss provision to net charge-offs | 23.4377% | 4,907 |
| Earnings coverage of net charge-offs (x) | 1.2501% | 4,006 |
| Efficiency ratio | 50.1205% | 7,310 |
| Assets per employee ($millions) | 20.2630% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1937% | 315 |
| Loan loss allowance to noncurrent loans | 94.6594% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 3,597 |
| Noncurrent loans to loans | 4.4303% | 1,696 |
| Net loans and leases to total assets | 39.7479% | 7,262 |
| Net loans and leases to deposits | 55.6444% | 6,800 |
| Net loans and leases to core deposits | 91.0412% | 3,223 |
| Total domestic deposits to total assets | 49.1830% | 7,840 |
| Equity capital to assets | 8.8852% | 5,430 |
| Core capital (leverage) ratio | 7.9563% | 6,301 |
| Tier 1 risk-based capital ratio | 11.2635% | 5,888 |
| Total risk-based capital ratio | 16.1131% | 3,137 |
| Memoranda: | ||
| Average total assets | $175,363,862,500 | 7 |
| Average earning assets | $153,169,188,000 | 7 |
| Average equity | $16,079,698,500 | 17 |
| Average total loans | $78,192,145,000 | 15 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 6,573 |
| Cost of funding earning assets | 1.1454% | 6,834 |
| Net interest margin | 3.8076% | 3,669 |
| Noninterest income to average assets | 1.5257% | 616 |
| Noninterest expense to average assets | 2.2884% | 6,782 |
| Loan and lease loss provision to assets | 2.4216% | 834 |
| Net operating income to assets | -0.0886% | 5,660 |
| Return on assets (ROA) | -0.0127% | 5,557 |
| Pretax return on assets | -0.0076% | 5,458 |
| Return on Equity (ROE) | -0.1473% | 5,562 |
| Retained earnings to average equity (ytd only) | -0.1473% | 4,975 |
| Net charge-offs to loans | 3.7004% | 499 |
| Credit loss provision to net charge-offs | 131.4789% | 3,846 |
| Earnings coverage of net charge-offs (x) | 1.2695% | 4,858 |
| Efficiency ratio | 49.3817% | 7,568 |
| Assets per employee ($millions) | 17.3588% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7675% | 201 |
| Loan loss allowance to noncurrent loans | 101.0455% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 2.3074% | 2,998 |
| Noncurrent loans to loans | 4.7182% | 1,478 |
| Net loans and leases to total assets | 45.7053% | 7,009 |
| Net loans and leases to deposits | 61.6257% | 6,503 |
| Net loans and leases to core deposits | 91.8064% | 4,910 |
| Total domestic deposits to total assets | 54.2591% | 7,875 |
| Equity capital to assets | 9.4814% | 4,437 |
| Core capital (leverage) ratio | 8.0702% | 6,047 |
| Tier 1 risk-based capital ratio | 10.1277% | 6,764 |
| Total risk-based capital ratio | 14.8132% | 3,727 |
| Memoranda: | ||
| Average total assets | $170,753,750,800 | 9 |
| Average earning assets | $139,057,523,200 | 10 |
| Average equity | $14,759,777,600 | 19 |
| Average total loans | $84,990,880,800 | 13 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1458% | 6,124 |
| Cost of funding earning assets | 1.2520% | 6,712 |
| Net interest margin | 3.8938% | 3,255 |
| Noninterest income to average assets | 1.6073% | 569 |
| Noninterest expense to average assets | 2.3006% | 6,704 |
| Loan and lease loss provision to assets | 2.5225% | 658 |
| Net operating income to assets | -0.1482% | 5,983 |
| Return on assets (ROA) | -0.0651% | 5,879 |
| Pretax return on assets | 0.0371% | 5,637 |
| Return on Equity (ROE) | -0.7716% | 5,893 |
| Retained earnings to average equity (ytd only) | -0.7716% | 5,427 |
| Net charge-offs to loans | 3.4794% | 428 |
| Credit loss provision to net charge-offs | 144.3992% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.3909% | 4,743 |
| Efficiency ratio | 48.5563% | 7,644 |
| Assets per employee ($millions) | 17.5420% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5759% | 199 |
| Loan loss allowance to noncurrent loans | 105.2290% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 2.2129% | 3,081 |
| Noncurrent loans to loans | 4.3485% | 1,636 |
| Net loans and leases to total assets | 47.4852% | 6,999 |
| Net loans and leases to deposits | 67.2245% | 6,194 |
| Net loans and leases to core deposits | 102.5460% | 4,100 |
| Total domestic deposits to total assets | 51.4873% | 7,967 |
| Equity capital to assets | 9.4005% | 4,882 |
| Core capital (leverage) ratio | 8.0800% | 6,219 |
| Tier 1 risk-based capital ratio | 9.6788% | 7,254 |
| Total risk-based capital ratio | 14.2100% | 4,150 |
| Memoranda: | ||
| Average total assets | $171,650,877,500 | 9 |
| Average earning assets | $137,674,955,500 | 9 |
| Average equity | $14,487,325,000 | 19 |
| Average total loans | $86,181,535,250 | 13 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 5,303 |
| Cost of funding earning assets | 1.3634% | 6,610 |
| Net interest margin | 4.0065% | 2,672 |
| Noninterest income to average assets | 1.3462% | 844 |
| Noninterest expense to average assets | 2.3705% | 6,555 |
| Loan and lease loss provision to assets | 2.5935% | 593 |
| Net operating income to assets | -0.5210% | 6,569 |
| Return on assets (ROA) | -0.3048% | 6,344 |
| Pretax return on assets | -0.2516% | 6,178 |
| Return on Equity (ROE) | -3.7495% | 6,450 |
| Retained earnings to average equity (ytd only) | -3.7495% | 6,088 |
| Net charge-offs to loans | 3.1762% | 511 |
| Credit loss provision to net charge-offs | 162.1653% | 2,832 |
| Earnings coverage of net charge-offs (x) | 1.3291% | 4,523 |
| Efficiency ratio | 52.6412% | 7,466 |
| Assets per employee ($millions) | 16.6903% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2583% | 211 |
| Loan loss allowance to noncurrent loans | 124.0541% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.9260% | 3,310 |
| Noncurrent loans to loans | 3.4326% | 2,050 |
| Net loans and leases to total assets | 52.2011% | 6,664 |
| Net loans and leases to deposits | 76.0656% | 5,166 |
| Net loans and leases to core deposits | 111.3651% | 3,217 |
| Total domestic deposits to total assets | 52.8874% | 8,040 |
| Equity capital to assets | 9.5391% | 4,558 |
| Core capital (leverage) ratio | 7.9905% | 6,348 |
| Tier 1 risk-based capital ratio | 8.7189% | 7,810 |
| Total risk-based capital ratio | 12.9362% | 5,142 |
| Memoranda: | ||
| Average total assets | $172,780,212,000 | 9 |
| Average earning assets | $135,838,929,330 | 9 |
| Average equity | $14,043,909,000 | 17 |
| Average total loans | $86,998,260,670 | 13 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5302% | 4,751 |
| Cost of funding earning assets | 1.4467% | 6,586 |
| Net interest margin | 4.0835% | 2,342 |
| Noninterest income to average assets | 1.4395% | 678 |
| Noninterest expense to average assets | 2.1507% | 7,007 |
| Loan and lease loss provision to assets | 2.6129% | 434 |
| Net operating income to assets | -0.2686% | 6,643 |
| Return on assets (ROA) | -0.2484% | 6,693 |
| Pretax return on assets | -0.1843% | 6,558 |
| Return on Equity (ROE) | -3.3106% | 6,811 |
| Retained earnings to average equity (ytd only) | -3.3106% | 6,330 |
| Net charge-offs to loans | 2.4920% | 564 |
| Credit loss provision to net charge-offs | 216.1579% | 2,089 |
| Earnings coverage of net charge-offs (x) | 1.9924% | 3,728 |
| Efficiency ratio | 47.0973% | 7,783 |
| Assets per employee ($millions) | 18.2019% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8006% | 260 |
| Loan loss allowance to noncurrent loans | 137.0415% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 1.4717% | 3,726 |
| Noncurrent loans to loans | 2.7733% | 2,367 |
| Net loans and leases to total assets | 49.2980% | 6,922 |
| Net loans and leases to deposits | 71.9339% | 5,753 |
| Net loans and leases to core deposits | 123.8536% | 2,094 |
| Total domestic deposits to total assets | 47.3511% | 8,115 |
| Equity capital to assets | 8.0518% | 6,739 |
| Core capital (leverage) ratio | 6.8630% | 7,718 |
| Tier 1 risk-based capital ratio | 7.6282% | 8,043 |
| Total risk-based capital ratio | 11.8244% | 6,234 |
| Memoranda: | ||
| Average total assets | $179,690,915,500 | 7 |
| Average earning assets | $137,271,923,000 | 9 |
| Average equity | $13,484,273,000 | 19 |
| Average total loans | $87,162,941,500 | 13 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 7,454 |
| Cost of funding earning assets | 2.3151% | 5,083 |
| Net interest margin | 3.0876% | 6,686 |
| Noninterest income to average assets | -0.3163% | 8,245 |
| Noninterest expense to average assets | 1.9687% | 7,500 |
| Loan and lease loss provision to assets | 1.3899% | 1,000 |
| Net operating income to assets | -0.7851% | 7,127 |
| Return on assets (ROA) | -0.8690% | 7,084 |
| Pretax return on assets | -1.3262% | 7,177 |
| Return on Equity (ROE) | -12.9546% | 7,492 |
| Retained earnings to average equity (ytd only) | -12.9546% | 7,326 |
| Net charge-offs to loans | 1.7431% | 633 |
| Credit loss provision to net charge-offs | 162.7721% | 3,171 |
| Earnings coverage of net charge-offs (x) | 0.2236% | 6,100 |
| Efficiency ratio | 89.6233% | 1,542 |
| Assets per employee ($millions) | 16.1541% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8771% | 481 |
| Loan loss allowance to noncurrent loans | 121.7085% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 4,017 |
| Noncurrent loans to loans | 2.3639% | 2,327 |
| Net loans and leases to total assets | 44.5079% | 7,435 |
| Net loans and leases to deposits | 64.0522% | 6,791 |
| Net loans and leases to core deposits | 117.5233% | 2,947 |
| Total domestic deposits to total assets | 47.1149% | 8,146 |
| Equity capital to assets | 6.9681% | 7,753 |
| Core capital (leverage) ratio | 5.9022% | 8,109 |
| Tier 1 risk-based capital ratio | 7.4889% | 8,132 |
| Total risk-based capital ratio | 12.0378% | 5,830 |
| Memoranda: | ||
| Average total assets | $182,934,754,000 | 7 |
| Average earning assets | $146,695,783,400 | 8 |
| Average equity | $12,271,463,600 | 19 |
| Average total loans | $89,616,049,400 | 13 |