Home > Mechanics Bank > Performance and Condition Ratios
Mechanics Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 3,202 |
| Cost of funding earning assets | 0.9624% | 3,386 |
| Net interest margin | 3.4803% | 2,234 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.0080% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1222% | 1,851 |
| Return on assets (ROA) | 1.1266% | 1,816 |
| Pretax return on assets | 1.5509% | 1,326 |
| Return on Equity (ROE) | 9.4200% | 2,655 |
| Retained earnings to average equity (ytd only) | 4.4829% | 2,797 |
| Net charge-offs to loans | 0.4740% | 222 |
| Credit loss provision to net charge-offs | 4.6827% | 2,348 |
| Earnings coverage of net charge-offs (x) | 5.0831% | 2,544 |
| Efficiency ratio | 53.7454% | 3,696 |
| Assets per employee ($millions) | 11.4866% | 469 |
| Cash dividends to net income (ytd only)* | 52.4174% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,066 |
| Loan loss allowance to noncurrent loans | 335.9399% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 1,647 |
| Noncurrent loans to loans | 0.3693% | 1,881 |
| Net loans and leases to total assets | 60.8300% | 2,769 |
| Net loans and leases to deposits | 74.4528% | 2,585 |
| Net loans and leases to core deposits | 76.6195% | 2,935 |
| Total domestic deposits to total assets | 81.7000% | 3,182 |
| Equity capital to assets | 12.7709% | 913 |
| Core capital (leverage) ratio | 9.3173% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1741% | 1,232 |
| Memoranda: | ||
| Average total assets | $17,921,830,600 | 103 |
| Average earning assets | $16,182,762,000 | 103 |
| Average equity | $2,143,184,400 | 95 |
| Average total loans | $11,524,506,800 | 110 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 3,022 |
| Cost of funding earning assets | 0.8914% | 3,293 |
| Net interest margin | 3.5490% | 2,108 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.0913% | 3,380 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 1.1502% | 1,922 |
| Return on assets (ROA) | 1.1526% | 1,899 |
| Pretax return on assets | 1.6154% | 1,317 |
| Return on Equity (ROE) | 9.8000% | 2,698 |
| Retained earnings to average equity (ytd only) | 3.1440% | 3,478 |
| Net charge-offs to loans | 0.3959% | 218 |
| Credit loss provision to net charge-offs | -21.9183% | 4,485 |
| Earnings coverage of net charge-offs (x) | 6.0260% | 2,319 |
| Efficiency ratio | 54.6990% | 3,525 |
| Assets per employee ($millions) | 11.6667% | 416 |
| Cash dividends to net income (ytd only)* | 67.9189% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 1,926 |
| Loan loss allowance to noncurrent loans | 244.9660% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 1,711 |
| Noncurrent loans to loans | 0.5254% | 1,505 |
| Net loans and leases to total assets | 61.6800% | 2,686 |
| Net loans and leases to deposits | 74.9718% | 2,496 |
| Net loans and leases to core deposits | 77.1680% | 2,784 |
| Total domestic deposits to total assets | 82.2700% | 3,163 |
| Equity capital to assets | 11.8389% | 1,081 |
| Core capital (leverage) ratio | 8.7814% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3763% | 1,453 |
| Memoranda: | ||
| Average total assets | $18,025,906,500 | 103 |
| Average earning assets | $16,274,978,500 | 103 |
| Average equity | $2,120,079,250 | 95 |
| Average total loans | $11,710,151,750 | 109 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,885 |
| Cost of funding earning assets | 0.7830% | 3,257 |
| Net interest margin | 3.6152% | 2,005 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.1485% | 3,221 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0771% | 2,186 |
| Return on assets (ROA) | 1.0839% | 2,158 |
| Pretax return on assets | 1.5200% | 1,557 |
| Return on Equity (ROE) | 9.2400% | 2,913 |
| Retained earnings to average equity (ytd only) | 3.5784% | 3,323 |
| Net charge-offs to loans | 0.3602% | 233 |
| Credit loss provision to net charge-offs | 14.4570% | 1,788 |
| Earnings coverage of net charge-offs (x) | 6.4990% | 2,120 |
| Efficiency ratio | 55.4802% | 3,478 |
| Assets per employee ($millions) | 11.3980% | 452 |
| Cash dividends to net income (ytd only)* | 61.2546% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 1,408 |
| Loan loss allowance to noncurrent loans | 231.5580% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 1,342 |
| Noncurrent loans to loans | 0.6196% | 1,206 |
| Net loans and leases to total assets | 63.3100% | 2,454 |
| Net loans and leases to deposits | 76.5266% | 2,258 |
| Net loans and leases to core deposits | 78.7776% | 2,559 |
| Total domestic deposits to total assets | 82.7300% | 3,101 |
| Equity capital to assets | 11.7221% | 1,125 |
| Core capital (leverage) ratio | 8.6959% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5404% | 1,715 |
| Memoranda: | ||
| Average total assets | $18,088,438,333 | 101 |
| Average earning assets | $16,325,789,667 | 101 |
| Average equity | $2,122,820,000 | 93 |
| Average total loans | $11,898,143,333 | 102 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 2,495 |
| Cost of funding earning assets | 0.6146% | 3,335 |
| Net interest margin | 3.8060% | 1,677 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1728% | 3,179 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1500% | 2,069 |
| Return on assets (ROA) | 1.1571% | 2,015 |
| Pretax return on assets | 1.6211% | 1,412 |
| Return on Equity (ROE) | 9.8500% | 2,829 |
| Retained earnings to average equity (ytd only) | -1.4826% | 4,168 |
| Net charge-offs to loans | 0.3650% | 217 |
| Credit loss provision to net charge-offs | 5.4486% | 1,413 |
| Earnings coverage of net charge-offs (x) | 6.6606% | 1,778 |
| Efficiency ratio | 54.6070% | 3,544 |
| Assets per employee ($millions) | 10.7270% | 560 |
| Cash dividends to net income (ytd only)* | 115.0461% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,381 |
| Loan loss allowance to noncurrent loans | 396.7781% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 1,884 |
| Noncurrent loans to loans | 0.3694% | 1,824 |
| Net loans and leases to total assets | 65.7300% | 2,087 |
| Net loans and leases to deposits | 79.4847% | 1,854 |
| Net loans and leases to core deposits | 81.4370% | 2,152 |
| Total domestic deposits to total assets | 82.6900% | 3,355 |
| Equity capital to assets | 11.7358% | 1,077 |
| Core capital (leverage) ratio | 8.4150% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8070% | 2,045 |
| Memoranda: | ||
| Average total assets | $18,042,775,500 | 105 |
| Average earning assets | $16,271,299,500 | 105 |
| Average equity | $2,118,706,000 | 96 |
| Average total loans | $12,008,951,500 | 104 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 2,148 |
| Cost of funding earning assets | 0.1172% | 4,300 |
| Net interest margin | 3.7295% | 1,305 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.9543% | 3,700 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.2166% | 1,712 |
| Return on assets (ROA) | 1.1591% | 1,872 |
| Pretax return on assets | 1.6169% | 1,123 |
| Return on Equity (ROE) | 9.7000% | 2,906 |
| Retained earnings to average equity (ytd only) | -0.8266% | 4,440 |
| Net charge-offs to loans | 0.3008% | 256 |
| Credit loss provision to net charge-offs | 73.6093% | 1,711 |
| Earnings coverage of net charge-offs (x) | 9.8746% | 2,213 |
| Efficiency ratio | 48.7737% | 4,202 |
| Assets per employee ($millions) | 10.1849% | 641 |
| Cash dividends to net income (ytd only)* | 108.5215% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,111 |
| Loan loss allowance to noncurrent loans | 303.4678% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 1,989 |
| Noncurrent loans to loans | 0.3466% | 1,900 |
| Net loans and leases to total assets | 65.7100% | 2,070 |
| Net loans and leases to deposits | 76.9052% | 2,044 |
| Net loans and leases to core deposits | 78.3168% | 2,253 |
| Total domestic deposits to total assets | 85.4500% | 2,875 |
| Equity capital to assets | 11.7495% | 1,010 |
| Core capital (leverage) ratio | 8.4083% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5646% | 2,147 |
| Memoranda: | ||
| Average total assets | $18,685,817,200 | 105 |
| Average earning assets | $16,925,379,600 | 105 |
| Average equity | $2,232,855,400 | 100 |
| Average total loans | $11,484,932,000 | 105 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 1,963 |
| Cost of funding earning assets | 0.0596% | 4,531 |
| Net interest margin | 3.6649% | 1,234 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9038% | 3,742 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1875% | 1,746 |
| Return on assets (ROA) | 1.1716% | 1,775 |
| Pretax return on assets | 1.6436% | 1,019 |
| Return on Equity (ROE) | 9.7600% | 2,800 |
| Retained earnings to average equity (ytd only) | 0.3164% | 4,292 |
| Net charge-offs to loans | 0.2608% | 253 |
| Credit loss provision to net charge-offs | 88.0927% | 1,388 |
| Earnings coverage of net charge-offs (x) | 11.4672% | 1,944 |
| Efficiency ratio | 48.2984% | 4,255 |
| Assets per employee ($millions) | 10.3965% | 581 |
| Cash dividends to net income (ytd only)* | 96.7598% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,835 |
| Loan loss allowance to noncurrent loans | 281.2094% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 1,930 |
| Noncurrent loans to loans | 0.4058% | 1,802 |
| Net loans and leases to total assets | 62.8800% | 2,204 |
| Net loans and leases to deposits | 72.2105% | 2,187 |
| Net loans and leases to core deposits | 73.1841% | 2,414 |
| Total domestic deposits to total assets | 87.0800% | 2,737 |
| Equity capital to assets | 11.5233% | 1,001 |
| Core capital (leverage) ratio | 8.4369% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9820% | 2,059 |
| Memoranda: | ||
| Average total assets | $18,822,439,000 | 108 |
| Average earning assets | $17,073,892,750 | 105 |
| Average equity | $2,258,249,500 | 102 |
| Average total loans | $11,344,528,000 | 107 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 1,867 |
| Cost of funding earning assets | 0.0412% | 4,645 |
| Net interest margin | 3.5517% | 1,177 |
| Noninterest income to average assets | 0.3765% | 2,896 |
| Noninterest expense to average assets | 1.8597% | 3,812 |
| Loan and lease loss provision to assets | 0.0936% | 1,062 |
| Net operating income to assets | 1.1780% | 1,507 |
| Return on assets (ROA) | 1.1607% | 1,545 |
| Pretax return on assets | 1.6284% | 885 |
| Return on Equity (ROE) | 9.5527% | 2,508 |
| Retained earnings to average equity (ytd only) | 2.1789% | 3,701 |
| Net charge-offs to loans | 0.2037% | 320 |
| Credit loss provision to net charge-offs | 77.6496% | 1,395 |
| Earnings coverage of net charge-offs (x) | 14.4606% | 1,656 |
| Efficiency ratio | 48.3915% | 4,331 |
| Assets per employee ($millions) | 10.7611% | 533 |
| Cash dividends to net income (ytd only)* | 77.1902% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,887 |
| Loan loss allowance to noncurrent loans | 299.4293% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,128 |
| Noncurrent loans to loans | 0.3876% | 1,975 |
| Net loans and leases to total assets | 60.9610% | 2,223 |
| Net loans and leases to deposits | 70.2835% | 2,178 |
| Net loans and leases to core deposits | 71.2888% | 2,392 |
| Total domestic deposits to total assets | 86.7359% | 3,027 |
| Equity capital to assets | 11.9972% | 876 |
| Core capital (leverage) ratio | 8.4236% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2257% | 1,967 |
| Memoranda: | ||
| Average total assets | $18,979,948,667 | 107 |
| Average earning assets | $17,245,351,000 | 105 |
| Average equity | $2,306,158,333 | 101 |
| Average total loans | $11,235,593,000 | 106 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4374% | 1,980 |
| Cost of funding earning assets | 0.0402% | 4,658 |
| Net interest margin | 3.3973% | 1,304 |
| Noninterest income to average assets | 0.3486% | 3,006 |
| Noninterest expense to average assets | 1.8059% | 3,928 |
| Loan and lease loss provision to assets | 0.1422% | 566 |
| Net operating income to assets | 1.0610% | 1,648 |
| Return on assets (ROA) | 1.0511% | 1,680 |
| Pretax return on assets | 1.4771% | 1,059 |
| Return on Equity (ROE) | 8.5984% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.1771% | 2,524 |
| Net charge-offs to loans | 0.2271% | 274 |
| Credit loss provision to net charge-offs | 107.9398% | 973 |
| Earnings coverage of net charge-offs (x) | 12.3878% | 1,415 |
| Efficiency ratio | 49.1180% | 4,354 |
| Assets per employee ($millions) | 10.8622% | 534 |
| Cash dividends to net income (ytd only)* | 39.7903% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,777 |
| Loan loss allowance to noncurrent loans | 314.1070% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,268 |
| Noncurrent loans to loans | 0.3869% | 2,100 |
| Net loans and leases to total assets | 58.6338% | 2,226 |
| Net loans and leases to deposits | 67.6867% | 2,190 |
| Net loans and leases to core deposits | 68.6916% | 2,393 |
| Total domestic deposits to total assets | 86.6253% | 3,063 |
| Equity capital to assets | 12.1544% | 905 |
| Core capital (leverage) ratio | 8.3533% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4035% | 2,036 |
| Memoranda: | ||
| Average total assets | $19,161,534,000 | 107 |
| Average earning assets | $17,423,367,500 | 106 |
| Average equity | $2,342,489,000 | 101 |
| Average total loans | $11,112,262,500 | 106 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 2,213 |
| Cost of funding earning assets | 0.0633% | 4,625 |
| Net interest margin | 3.5991% | 1,473 |
| Noninterest income to average assets | 0.3731% | 3,196 |
| Noninterest expense to average assets | 2.0228% | 3,609 |
| Loan and lease loss provision to assets | 0.1113% | 1,134 |
| Net operating income to assets | 1.0775% | 2,381 |
| Return on assets (ROA) | 1.0802% | 2,441 |
| Pretax return on assets | 1.4993% | 1,729 |
| Return on Equity (ROE) | 8.4060% | 3,103 |
| Retained earnings to average equity (ytd only) | -0.4480% | 4,539 |
| Net charge-offs to loans | 0.1311% | 702 |
| Credit loss provision to net charge-offs | 145.0017% | 1,515 |
| Earnings coverage of net charge-offs (x) | 20.9442% | 1,837 |
| Efficiency ratio | 52.2183% | 4,096 |
| Assets per employee ($millions) | 11.0107% | 505 |
| Cash dividends to net income (ytd only)* | 105.3298% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,716 |
| Loan loss allowance to noncurrent loans | 207.4879% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 1,869 |
| Noncurrent loans to loans | 0.5948% | 1,651 |
| Net loans and leases to total assets | 55.9673% | 2,617 |
| Net loans and leases to deposits | 64.8339% | 2,613 |
| Net loans and leases to core deposits | 65.8155% | 2,836 |
| Total domestic deposits to total assets | 86.3242% | 2,791 |
| Equity capital to assets | 12.2936% | 1,133 |
| Core capital (leverage) ratio | 8.1114% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2869% | 2,131 |
| Memoranda: | ||
| Average total assets | $19,072,072,000 | 106 |
| Average earning assets | $17,258,511,400 | 105 |
| Average equity | $2,450,799,200 | 99 |
| Average total loans | $11,161,821,800 | 107 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 2,274 |
| Cost of funding earning assets | 0.0699% | 4,693 |
| Net interest margin | 3.6312% | 1,520 |
| Noninterest income to average assets | 0.3504% | 3,358 |
| Noninterest expense to average assets | 1.9996% | 3,673 |
| Loan and lease loss provision to assets | 0.0817% | 1,448 |
| Net operating income to assets | 1.0992% | 2,562 |
| Return on assets (ROA) | 1.1022% | 2,602 |
| Pretax return on assets | 1.5526% | 1,843 |
| Return on Equity (ROE) | 8.4836% | 3,262 |
| Retained earnings to average equity (ytd only) | -0.4342% | 4,608 |
| Net charge-offs to loans | 0.1195% | 659 |
| Credit loss provision to net charge-offs | 115.9641% | 1,483 |
| Earnings coverage of net charge-offs (x) | 23.1348% | 1,668 |
| Efficiency ratio | 51.4566% | 4,080 |
| Assets per employee ($millions) | 10.5379% | 552 |
| Cash dividends to net income (ytd only)* | 105.1184% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 3,056 |
| Loan loss allowance to noncurrent loans | 265.2921% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,459 |
| Noncurrent loans to loans | 0.4465% | 2,221 |
| Net loans and leases to total assets | 57.2894% | 2,584 |
| Net loans and leases to deposits | 66.7538% | 2,562 |
| Net loans and leases to core deposits | 67.8444% | 2,792 |
| Total domestic deposits to total assets | 85.8220% | 2,810 |
| Equity capital to assets | 12.6292% | 1,118 |
| Core capital (leverage) ratio | 8.2747% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3113% | 2,259 |
| Memoranda: | ||
| Average total assets | $18,984,374,750 | 105 |
| Average earning assets | $17,146,215,000 | 106 |
| Average equity | $2,466,554,750 | 96 |
| Average total loans | $11,200,706,250 | 109 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 2,382 |
| Cost of funding earning assets | 0.0808% | 4,696 |
| Net interest margin | 3.6037% | 1,584 |
| Noninterest income to average assets | 0.3464% | 3,375 |
| Noninterest expense to average assets | 2.0023% | 3,690 |
| Loan and lease loss provision to assets | 0.1082% | 1,165 |
| Net operating income to assets | 1.0519% | 2,708 |
| Return on assets (ROA) | 1.0570% | 2,766 |
| Pretax return on assets | 1.4908% | 2,045 |
| Return on Equity (ROE) | 8.0597% | 3,394 |
| Retained earnings to average equity (ytd only) | 8.0597% | 2,052 |
| Net charge-offs to loans | 0.1333% | 595 |
| Credit loss provision to net charge-offs | 136.7516% | 1,200 |
| Earnings coverage of net charge-offs (x) | 20.1355% | 1,532 |
| Efficiency ratio | 51.9715% | 4,049 |
| Assets per employee ($millions) | 10.2887% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 3,073 |
| Loan loss allowance to noncurrent loans | 261.7361% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 2,568 |
| Noncurrent loans to loans | 0.4491% | 2,327 |
| Net loans and leases to total assets | 59.0434% | 2,536 |
| Net loans and leases to deposits | 69.4650% | 2,466 |
| Net loans and leases to core deposits | 70.7297% | 2,710 |
| Total domestic deposits to total assets | 84.9974% | 3,093 |
| Equity capital to assets | 13.4641% | 825 |
| Core capital (leverage) ratio | 8.8766% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5048% | 1,804 |
| Memoranda: | ||
| Average total assets | $18,961,676,667 | 104 |
| Average earning assets | $17,093,302,333 | 105 |
| Average equity | $2,486,681,000 | 94 |
| Average total loans | $11,252,308,000 | 107 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 2,540 |
| Cost of funding earning assets | 0.1011% | 4,639 |
| Net interest margin | 3.5306% | 1,745 |
| Noninterest income to average assets | 0.3416% | 3,387 |
| Noninterest expense to average assets | 2.0124% | 3,677 |
| Loan and lease loss provision to assets | 0.1312% | 1,045 |
| Net operating income to assets | 0.9730% | 2,892 |
| Return on assets (ROA) | 0.9773% | 2,975 |
| Pretax return on assets | 1.3808% | 2,337 |
| Return on Equity (ROE) | 7.5514% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.5514% | 2,399 |
| Net charge-offs to loans | 0.1531% | 509 |
| Credit loss provision to net charge-offs | 144.8724% | 995 |
| Earnings coverage of net charge-offs (x) | 16.6415% | 1,314 |
| Efficiency ratio | 53.3662% | 3,865 |
| Assets per employee ($millions) | 10.1853% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,188 |
| Loan loss allowance to noncurrent loans | 250.0515% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 2,743 |
| Noncurrent loans to loans | 0.4601% | 2,475 |
| Net loans and leases to total assets | 59.4968% | 2,601 |
| Net loans and leases to deposits | 69.6352% | 2,547 |
| Net loans and leases to core deposits | 71.1690% | 2,769 |
| Total domestic deposits to total assets | 85.4406% | 2,950 |
| Equity capital to assets | 12.9956% | 913 |
| Core capital (leverage) ratio | 8.5284% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5011% | 1,738 |
| Memoranda: | ||
| Average total assets | $19,043,788,000 | 105 |
| Average earning assets | $17,138,164,500 | 106 |
| Average equity | $2,464,565,000 | 95 |
| Average total loans | $11,263,128,000 | 108 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 3,366 |
| Cost of funding earning assets | 0.2232% | 4,495 |
| Net interest margin | 3.5547% | 2,296 |
| Noninterest income to average assets | 0.3897% | 3,153 |
| Noninterest expense to average assets | 2.3658% | 3,225 |
| Loan and lease loss provision to assets | 0.6320% | 296 |
| Net operating income to assets | 0.4156% | 4,215 |
| Return on assets (ROA) | 0.4170% | 4,290 |
| Pretax return on assets | 0.5619% | 4,159 |
| Return on Equity (ROE) | 3.1668% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.1668% | 3,252 |
| Net charge-offs to loans | 0.2115% | 822 |
| Credit loss provision to net charge-offs | 503.0028% | 1,245 |
| Earnings coverage of net charge-offs (x) | 9.4883% | 2,516 |
| Efficiency ratio | 62.3255% | 3,073 |
| Assets per employee ($millions) | 10.1417% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,149 |
| Loan loss allowance to noncurrent loans | 335.4216% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 2,912 |
| Noncurrent loans to loans | 0.3464% | 2,959 |
| Net loans and leases to total assets | 57.4802% | 3,147 |
| Net loans and leases to deposits | 67.2578% | 3,158 |
| Net loans and leases to core deposits | 69.1898% | 3,318 |
| Total domestic deposits to total assets | 85.4625% | 2,587 |
| Equity capital to assets | 12.8059% | 1,181 |
| Core capital (leverage) ratio | 8.2258% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1444% | 1,809 |
| Memoranda: | ||
| Average total assets | $18,156,364,600 | 101 |
| Average earning assets | $16,182,424,200 | 101 |
| Average equity | $2,390,993,200 | 92 |
| Average total loans | $10,785,101,200 | 109 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 3,364 |
| Cost of funding earning assets | 0.2536% | 4,499 |
| Net interest margin | 3.6141% | 2,230 |
| Noninterest income to average assets | 0.4094% | 3,030 |
| Noninterest expense to average assets | 2.4560% | 2,975 |
| Loan and lease loss provision to assets | 0.7138% | 292 |
| Net operating income to assets | 0.3142% | 4,420 |
| Return on assets (ROA) | 0.3138% | 4,474 |
| Pretax return on assets | 0.4550% | 4,366 |
| Return on Equity (ROE) | 2.3653% | 4,497 |
| Retained earnings to average equity (ytd only) | 2.3653% | 3,794 |
| Net charge-offs to loans | 0.2132% | 713 |
| Credit loss provision to net charge-offs | 560.5143% | 1,205 |
| Earnings coverage of net charge-offs (x) | 9.1828% | 2,446 |
| Efficiency ratio | 63.4648% | 2,832 |
| Assets per employee ($millions) | 9.4492% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,492 |
| Loan loss allowance to noncurrent loans | 234.7961% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 2,701 |
| Noncurrent loans to loans | 0.4453% | 2,716 |
| Net loans and leases to total assets | 59.2681% | 3,296 |
| Net loans and leases to deposits | 69.6610% | 3,339 |
| Net loans and leases to core deposits | 72.0949% | 3,464 |
| Total domestic deposits to total assets | 85.0808% | 2,405 |
| Equity capital to assets | 13.0700% | 1,151 |
| Core capital (leverage) ratio | 8.0796% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8576% | 1,876 |
| Memoranda: | ||
| Average total assets | $17,913,648,750 | 101 |
| Average earning assets | $15,940,499,500 | 101 |
| Average equity | $2,376,387,750 | 92 |
| Average total loans | $10,700,473,750 | 108 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,406 |
| Cost of funding earning assets | 0.2961% | 4,494 |
| Net interest margin | 3.6730% | 2,260 |
| Noninterest income to average assets | 0.4085% | 3,025 |
| Noninterest expense to average assets | 2.6033% | 2,654 |
| Loan and lease loss provision to assets | 0.5642% | 577 |
| Net operating income to assets | 0.3581% | 4,316 |
| Return on assets (ROA) | 0.3559% | 4,375 |
| Pretax return on assets | 0.5141% | 4,224 |
| Return on Equity (ROE) | 2.6694% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.6694% | 3,518 |
| Net charge-offs to loans | 0.2519% | 626 |
| Credit loss provision to net charge-offs | 375.3099% | 1,457 |
| Earnings coverage of net charge-offs (x) | 7.1910% | 2,387 |
| Efficiency ratio | 66.3293% | 2,466 |
| Assets per employee ($millions) | 8.8550% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 4,654 |
| Loan loss allowance to noncurrent loans | 118.2464% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 2,912 |
| Noncurrent loans to loans | 0.5554% | 2,499 |
| Net loans and leases to total assets | 59.2803% | 3,401 |
| Net loans and leases to deposits | 69.6270% | 3,447 |
| Net loans and leases to core deposits | 72.5753% | 3,554 |
| Total domestic deposits to total assets | 85.1398% | 2,336 |
| Equity capital to assets | 12.7713% | 1,244 |
| Core capital (leverage) ratio | 8.1835% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2190% | 2,095 |
| Memoranda: | ||
| Average total assets | $17,705,086,000 | 102 |
| Average earning assets | $15,790,721,333 | 103 |
| Average equity | $2,360,819,667 | 93 |
| Average total loans | $10,565,959,333 | 107 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 3,081 |
| Cost of funding earning assets | 0.3536% | 4,507 |
| Net interest margin | 3.8918% | 1,696 |
| Noninterest income to average assets | 0.4559% | 2,760 |
| Noninterest expense to average assets | 2.7728% | 2,510 |
| Loan and lease loss provision to assets | 0.3869% | 790 |
| Net operating income to assets | 0.5298% | 3,814 |
| Return on assets (ROA) | 0.5158% | 3,915 |
| Pretax return on assets | 0.7331% | 3,582 |
| Return on Equity (ROE) | 3.7801% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.7801% | 2,771 |
| Net charge-offs to loans | 0.2691% | 540 |
| Credit loss provision to net charge-offs | 240.9514% | 1,309 |
| Earnings coverage of net charge-offs (x) | 7.0858% | 1,946 |
| Efficiency ratio | 66.6006% | 2,873 |
| Assets per employee ($millions) | 7.7778% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4576% | 4,913 |
| Loan loss allowance to noncurrent loans | 75.4696% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,911 |
| Noncurrent loans to loans | 0.6064% | 2,472 |
| Net loans and leases to total assets | 59.9982% | 3,491 |
| Net loans and leases to deposits | 71.5524% | 3,475 |
| Net loans and leases to core deposits | 75.2481% | 3,549 |
| Total domestic deposits to total assets | 83.8520% | 2,836 |
| Equity capital to assets | 13.9343% | 1,082 |
| Core capital (leverage) ratio | 8.7051% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9286% | 2,321 |
| Memoranda: | ||
| Average total assets | $17,122,637,500 | 101 |
| Average earning assets | $15,199,923,500 | 102 |
| Average equity | $2,336,260,000 | 95 |
| Average total loans | $10,218,869,500 | 109 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 3,443 |
| Cost of funding earning assets | 0.4009% | 4,438 |
| Net interest margin | 3.9333% | 2,057 |
| Noninterest income to average assets | 0.5742% | 2,341 |
| Noninterest expense to average assets | 2.9898% | 2,046 |
| Loan and lease loss provision to assets | 0.3340% | 473 |
| Net operating income to assets | 0.5447% | 4,304 |
| Return on assets (ROA) | 0.5458% | 4,360 |
| Pretax return on assets | 0.7405% | 4,108 |
| Return on Equity (ROE) | 4.0210% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.0210% | 2,953 |
| Net charge-offs to loans | 0.3596% | 556 |
| Credit loss provision to net charge-offs | 144.4803% | 1,780 |
| Earnings coverage of net charge-offs (x) | 4.6419% | 3,190 |
| Efficiency ratio | 70.1683% | 2,139 |
| Assets per employee ($millions) | 7.7566% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3670% | 5,007 |
| Loan loss allowance to noncurrent loans | 42.8499% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 2,326 |
| Noncurrent loans to loans | 0.8566% | 1,798 |
| Net loans and leases to total assets | 58.8757% | 3,682 |
| Net loans and leases to deposits | 69.4064% | 3,715 |
| Net loans and leases to core deposits | 72.9834% | 3,798 |
| Total domestic deposits to total assets | 84.8274% | 2,563 |
| Equity capital to assets | 13.3570% | 1,342 |
| Core capital (leverage) ratio | 8.4453% | 4,869 |
| Tier 1 risk-based capital ratio | 13.0058% | 3,790 |
| Total risk-based capital ratio | 13.6707% | 3,989 |
| Memoranda: | ||
| Average total assets | $10,576,097,400 | 136 |
| Average earning assets | $9,380,626,600 | 138 |
| Average equity | $1,435,642,600 | 133 |
| Average total loans | $6,799,604,400 | 148 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 4,190 |
| Cost of funding earning assets | 0.4068% | 4,479 |
| Net interest margin | 3.6760% | 3,006 |
| Noninterest income to average assets | 0.5809% | 2,306 |
| Noninterest expense to average assets | 3.0982% | 1,716 |
| Loan and lease loss provision to assets | 0.3828% | 341 |
| Net operating income to assets | 0.2535% | 4,900 |
| Return on assets (ROA) | 0.2537% | 4,912 |
| Pretax return on assets | 0.3610% | 4,847 |
| Return on Equity (ROE) | 1.8549% | 4,917 |
| Retained earnings to average equity (ytd only) | 1.8549% | 4,324 |
| Net charge-offs to loans | 0.3809% | 437 |
| Credit loss provision to net charge-offs | 150.4524% | 1,627 |
| Earnings coverage of net charge-offs (x) | 2.9220% | 3,153 |
| Efficiency ratio | 77.7335% | 1,128 |
| Assets per employee ($millions) | 7.3992% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3512% | 5,091 |
| Loan loss allowance to noncurrent loans | 76.5601% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,427 |
| Noncurrent loans to loans | 0.4587% | 2,930 |
| Net loans and leases to total assets | 57.4533% | 3,927 |
| Net loans and leases to deposits | 67.7593% | 3,939 |
| Net loans and leases to core deposits | 71.6271% | 3,968 |
| Total domestic deposits to total assets | 84.7903% | 2,506 |
| Equity capital to assets | 13.0824% | 1,580 |
| Core capital (leverage) ratio | 14.8136% | 784 |
| Tier 1 risk-based capital ratio | 12.6041% | 4,080 |
| Total risk-based capital ratio | 13.2684% | 4,299 |
| Memoranda: | ||
| Average total assets | $8,919,073,250 | 151 |
| Average earning assets | $7,911,283,500 | 154 |
| Average equity | $1,220,063,000 | 142 |
| Average total loans | $5,957,905,500 | 157 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 1,142 |
| Cost of funding earning assets | 0.5069% | 4,089 |
| Net interest margin | 4.6270% | 583 |
| Noninterest income to average assets | 0.8101% | 1,316 |
| Noninterest expense to average assets | 3.2003% | 1,505 |
| Loan and lease loss provision to assets | 0.3320% | 394 |
| Net operating income to assets | 0.9896% | 2,960 |
| Return on assets (ROA) | 0.9896% | 3,030 |
| Pretax return on assets | 1.3856% | 2,247 |
| Return on Equity (ROE) | 6.9490% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.9490% | 1,831 |
| Net charge-offs to loans | 0.4538% | 357 |
| Credit loss provision to net charge-offs | 97.0139% | 2,046 |
| Earnings coverage of net charge-offs (x) | 5.0187% | 2,693 |
| Efficiency ratio | 62.5102% | 3,351 |
| Assets per employee ($millions) | 6.1337% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5520% | 4,948 |
| Loan loss allowance to noncurrent loans | 389.7807% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 4,019 |
| Noncurrent loans to loans | 0.1416% | 4,051 |
| Net loans and leases to total assets | 74.7252% | 1,763 |
| Net loans and leases to deposits | 99.4499% | 713 |
| Net loans and leases to core deposits | 104.9511% | 1,307 |
| Total domestic deposits to total assets | 75.1385% | 4,755 |
| Equity capital to assets | 14.1506% | 1,070 |
| Core capital (leverage) ratio | 9.2268% | 4,426 |
| Tier 1 risk-based capital ratio | 11.0220% | 4,896 |
| Total risk-based capital ratio | 12.1117% | 4,888 |
| Memoranda: | ||
| Average total assets | $6,125,650,670 | 197 |
| Average earning assets | $5,438,199,670 | 197 |
| Average equity | $872,361,330 | 178 |
| Average total loans | $4,619,183,330 | 188 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 1,157 |
| Cost of funding earning assets | 0.4863% | 4,122 |
| Net interest margin | 4.5865% | 625 |
| Noninterest income to average assets | 0.9525% | 913 |
| Noninterest expense to average assets | 3.2124% | 1,470 |
| Loan and lease loss provision to assets | 0.4302% | 261 |
| Net operating income to assets | 1.0071% | 2,814 |
| Return on assets (ROA) | 1.0071% | 2,856 |
| Pretax return on assets | 1.4105% | 2,048 |
| Return on Equity (ROE) | 7.0483% | 3,659 |
| Retained earnings to average equity (ytd only) | 7.0483% | 2,017 |
| Net charge-offs to loans | 0.4871% | 310 |
| Credit loss provision to net charge-offs | 116.9217% | 1,436 |
| Earnings coverage of net charge-offs (x) | 5.0025% | 2,288 |
| Efficiency ratio | 60.9658% | 3,684 |
| Assets per employee ($millions) | 5.8751% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5984% | 4,940 |
| Loan loss allowance to noncurrent loans | 186.7285% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 3,457 |
| Noncurrent loans to loans | 0.3205% | 3,422 |
| Net loans and leases to total assets | 75.2270% | 1,608 |
| Net loans and leases to deposits | 95.2590% | 1,035 |
| Net loans and leases to core deposits | 102.2431% | 1,441 |
| Total domestic deposits to total assets | 78.9710% | 4,356 |
| Equity capital to assets | 14.4374% | 897 |
| Core capital (leverage) ratio | 8.9198% | 4,707 |
| Tier 1 risk-based capital ratio | 10.9391% | 5,006 |
| Total risk-based capital ratio | 12.0889% | 4,952 |
| Memoranda: | ||
| Average total assets | $6,038,821,500 | 199 |
| Average earning assets | $5,399,007,000 | 198 |
| Average equity | $862,846,500 | 180 |
| Average total loans | $4,562,126,500 | 191 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 1,427 |
| Cost of funding earning assets | 0.4036% | 3,966 |
| Net interest margin | 4.4462% | 849 |
| Noninterest income to average assets | 0.7323% | 1,720 |
| Noninterest expense to average assets | 3.1173% | 1,752 |
| Loan and lease loss provision to assets | 0.3819% | 367 |
| Net operating income to assets | 0.8815% | 3,486 |
| Return on assets (ROA) | 0.8820% | 3,479 |
| Pretax return on assets | 1.2241% | 2,798 |
| Return on Equity (ROE) | 6.3128% | 4,063 |
| Retained earnings to average equity (ytd only) | 6.3128% | 2,028 |
| Net charge-offs to loans | 0.4322% | 424 |
| Credit loss provision to net charge-offs | 118.0294% | 2,199 |
| Earnings coverage of net charge-offs (x) | 4.9613% | 3,242 |
| Efficiency ratio | 63.3204% | 3,282 |
| Assets per employee ($millions) | 5.8225% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 5,002 |
| Loan loss allowance to noncurrent loans | 408.8449% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 4,071 |
| Noncurrent loans to loans | 0.1422% | 4,105 |
| Net loans and leases to total assets | 74.9748% | 1,780 |
| Net loans and leases to deposits | 96.3313% | 1,039 |
| Net loans and leases to core deposits | 101.7367% | 1,598 |
| Total domestic deposits to total assets | 77.8302% | 4,522 |
| Equity capital to assets | 14.1390% | 929 |
| Core capital (leverage) ratio | 8.7604% | 4,840 |
| Tier 1 risk-based capital ratio | 10.7001% | 5,110 |
| Total risk-based capital ratio | 11.8515% | 5,042 |
| Memoranda: | ||
| Average total assets | $5,896,714,600 | 196 |
| Average earning assets | $5,292,136,800 | 195 |
| Average equity | $823,847,000 | 179 |
| Average total loans | $4,414,228,200 | 186 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 1,484 |
| Cost of funding earning assets | 0.3903% | 3,931 |
| Net interest margin | 4.3848% | 931 |
| Noninterest income to average assets | 0.6576% | 2,036 |
| Noninterest expense to average assets | 3.1245% | 1,704 |
| Loan and lease loss provision to assets | 0.3486% | 389 |
| Net operating income to assets | 0.8027% | 3,888 |
| Return on assets (ROA) | 0.8035% | 3,893 |
| Pretax return on assets | 1.1233% | 3,303 |
| Return on Equity (ROE) | 5.7689% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.7689% | 2,781 |
| Net charge-offs to loans | 0.4148% | 387 |
| Credit loss provision to net charge-offs | 112.4899% | 2,079 |
| Earnings coverage of net charge-offs (x) | 4.7463% | 3,022 |
| Efficiency ratio | 65.2741% | 2,992 |
| Assets per employee ($millions) | 5.8866% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5477% | 5,130 |
| Loan loss allowance to noncurrent loans | 260.1032% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 3,928 |
| Noncurrent loans to loans | 0.2106% | 3,957 |
| Net loans and leases to total assets | 74.7080% | 1,873 |
| Net loans and leases to deposits | 93.7986% | 1,399 |
| Net loans and leases to core deposits | 100.7199% | 1,721 |
| Total domestic deposits to total assets | 79.6473% | 4,184 |
| Equity capital to assets | 13.8477% | 1,007 |
| Core capital (leverage) ratio | 8.5515% | 5,066 |
| Tier 1 risk-based capital ratio | 10.2918% | 5,298 |
| Total risk-based capital ratio | 11.4120% | 5,272 |
| Memoranda: | ||
| Average total assets | $5,862,856,500 | 197 |
| Average earning assets | $5,265,194,000 | 195 |
| Average equity | $816,588,000 | 179 |
| Average total loans | $4,380,527,750 | 186 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 1,408 |
| Cost of funding earning assets | 0.4122% | 3,629 |
| Net interest margin | 4.3271% | 986 |
| Noninterest income to average assets | 0.6116% | 2,262 |
| Noninterest expense to average assets | 3.0605% | 1,886 |
| Loan and lease loss provision to assets | 0.3926% | 314 |
| Net operating income to assets | 0.7225% | 4,127 |
| Return on assets (ROA) | 0.7230% | 4,134 |
| Pretax return on assets | 1.0057% | 3,643 |
| Return on Equity (ROE) | 5.1804% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.1804% | 2,982 |
| Net charge-offs to loans | 0.3749% | 422 |
| Credit loss provision to net charge-offs | 140.4059% | 1,643 |
| Earnings coverage of net charge-offs (x) | 4.9990% | 2,750 |
| Efficiency ratio | 65.9819% | 2,985 |
| Assets per employee ($millions) | 5.8972% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 5,109 |
| Loan loss allowance to noncurrent loans | 113.1316% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,032 |
| Noncurrent loans to loans | 0.5270% | 2,839 |
| Net loans and leases to total assets | 71.4616% | 2,373 |
| Net loans and leases to deposits | 90.8837% | 1,724 |
| Net loans and leases to core deposits | 96.4729% | 2,017 |
| Total domestic deposits to total assets | 78.6297% | 4,485 |
| Equity capital to assets | 13.3600% | 1,157 |
| Core capital (leverage) ratio | 8.2487% | 5,235 |
| Tier 1 risk-based capital ratio | 10.0573% | 5,420 |
| Total risk-based capital ratio | 11.2257% | 5,381 |
| Memoranda: | ||
| Average total assets | $5,815,696,000 | 196 |
| Average earning assets | $5,169,918,000 | 195 |
| Average equity | $811,629,670 | 179 |
| Average total loans | $4,337,229,330 | 187 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 1,694 |
| Cost of funding earning assets | 0.3480% | 4,008 |
| Net interest margin | 4.2094% | 1,156 |
| Noninterest income to average assets | 0.9362% | 1,058 |
| Noninterest expense to average assets | 3.1473% | 1,696 |
| Loan and lease loss provision to assets | 0.4548% | 235 |
| Net operating income to assets | 0.8288% | 3,596 |
| Return on assets (ROA) | 0.8288% | 3,607 |
| Pretax return on assets | 1.1411% | 3,001 |
| Return on Equity (ROE) | 5.8043% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.8043% | 2,808 |
| Net charge-offs to loans | 0.3459% | 446 |
| Credit loss provision to net charge-offs | 172.9497% | 1,145 |
| Earnings coverage of net charge-offs (x) | 6.0688% | 2,184 |
| Efficiency ratio | 63.8214% | 3,505 |
| Assets per employee ($millions) | 5.8823% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 5,200 |
| Loan loss allowance to noncurrent loans | 342.4291% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 4,433 |
| Noncurrent loans to loans | 0.1724% | 4,204 |
| Net loans and leases to total assets | 76.2774% | 1,495 |
| Net loans and leases to deposits | 106.2678% | 370 |
| Net loans and leases to core deposits | 111.3541% | 925 |
| Total domestic deposits to total assets | 71.7785% | 5,297 |
| Equity capital to assets | 14.2830% | 824 |
| Core capital (leverage) ratio | 9.6061% | 3,956 |
| Tier 1 risk-based capital ratio | 11.6923% | 4,747 |
| Total risk-based capital ratio | 12.8723% | 4,686 |
| Memoranda: | ||
| Average total assets | $5,656,978,500 | 199 |
| Average earning assets | $5,116,231,000 | 197 |
| Average equity | $807,751,000 | 179 |
| Average total loans | $4,301,286,000 | 188 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,762 |
| Cost of funding earning assets | 0.1881% | 5,039 |
| Net interest margin | 4.2969% | 967 |
| Noninterest income to average assets | 0.8540% | 1,401 |
| Noninterest expense to average assets | 3.3476% | 1,295 |
| Loan and lease loss provision to assets | 0.3823% | 393 |
| Net operating income to assets | 0.5656% | 4,165 |
| Return on assets (ROA) | 0.5672% | 4,188 |
| Pretax return on assets | 1.0016% | 3,559 |
| Return on Equity (ROE) | 4.0225% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.0225% | 2,780 |
| Net charge-offs to loans | 0.1200% | 1,848 |
| Credit loss provision to net charge-offs | 429.7416% | 723 |
| Earnings coverage of net charge-offs (x) | 15.5263% | 2,239 |
| Efficiency ratio | 67.7939% | 2,933 |
| Assets per employee ($millions) | 5.7821% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5416% | 5,337 |
| Loan loss allowance to noncurrent loans | 187.8318% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 4,050 |
| Noncurrent loans to loans | 0.2883% | 3,746 |
| Net loans and leases to total assets | 74.9269% | 1,765 |
| Net loans and leases to deposits | 101.0758% | 653 |
| Net loans and leases to core deposits | 105.2132% | 1,329 |
| Total domestic deposits to total assets | 74.1295% | 5,172 |
| Equity capital to assets | 14.2747% | 838 |
| Core capital (leverage) ratio | 9.5540% | 3,974 |
| Tier 1 risk-based capital ratio | 11.7675% | 4,676 |
| Total risk-based capital ratio | 12.9109% | 4,631 |
| Memoranda: | ||
| Average total assets | $5,612,278,400 | 194 |
| Average earning assets | $5,061,065,600 | 192 |
| Average equity | $791,364,000 | 175 |
| Average total loans | $4,160,391,800 | 184 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 1,745 |
| Cost of funding earning assets | 0.1558% | 5,278 |
| Net interest margin | 4.3092% | 902 |
| Noninterest income to average assets | 0.8046% | 1,571 |
| Noninterest expense to average assets | 3.4209% | 1,116 |
| Loan and lease loss provision to assets | 0.3221% | 473 |
| Net operating income to assets | 0.5842% | 4,443 |
| Return on assets (ROA) | 0.5852% | 4,475 |
| Pretax return on assets | 0.9478% | 3,880 |
| Return on Equity (ROE) | 4.1634% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.1634% | 3,427 |
| Net charge-offs to loans | 0.0906% | 1,890 |
| Credit loss provision to net charge-offs | 481.4788% | 666 |
| Earnings coverage of net charge-offs (x) | 18.9577% | 2,022 |
| Efficiency ratio | 70.2174% | 2,505 |
| Assets per employee ($millions) | 5.7834% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3979% | 5,563 |
| Loan loss allowance to noncurrent loans | 164.6829% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 4,370 |
| Noncurrent loans to loans | 0.2416% | 4,089 |
| Net loans and leases to total assets | 75.7908% | 1,623 |
| Net loans and leases to deposits | 100.1430% | 733 |
| Net loans and leases to core deposits | 104.2119% | 1,378 |
| Total domestic deposits to total assets | 75.6826% | 5,056 |
| Equity capital to assets | 14.0439% | 980 |
| Core capital (leverage) ratio | 9.3880% | 4,308 |
| Tier 1 risk-based capital ratio | 11.4476% | 4,988 |
| Total risk-based capital ratio | 12.4410% | 5,035 |
| Memoranda: | ||
| Average total assets | $5,605,956,750 | 194 |
| Average earning assets | $5,053,654,750 | 193 |
| Average equity | $788,019,000 | 173 |
| Average total loans | $4,138,726,000 | 186 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 1,915 |
| Cost of funding earning assets | 0.1429% | 5,380 |
| Net interest margin | 4.2256% | 1,021 |
| Noninterest income to average assets | 0.8203% | 1,499 |
| Noninterest expense to average assets | 3.4164% | 1,135 |
| Loan and lease loss provision to assets | 0.2020% | 909 |
| Net operating income to assets | 0.6109% | 4,255 |
| Return on assets (ROA) | 0.6124% | 4,291 |
| Pretax return on assets | 1.0063% | 3,548 |
| Return on Equity (ROE) | 4.3552% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.3552% | 3,111 |
| Net charge-offs to loans | 0.0990% | 1,634 |
| Credit loss provision to net charge-offs | 279.2163% | 1,012 |
| Earnings coverage of net charge-offs (x) | 16.6701% | 1,969 |
| Efficiency ratio | 71.0967% | 2,497 |
| Assets per employee ($millions) | 5.8092% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2428% | 5,694 |
| Loan loss allowance to noncurrent loans | 128.2411% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 4,631 |
| Noncurrent loans to loans | 0.1894% | 4,360 |
| Net loans and leases to total assets | 73.0865% | 2,021 |
| Net loans and leases to deposits | 91.2430% | 1,577 |
| Net loans and leases to core deposits | 94.5800% | 2,105 |
| Total domestic deposits to total assets | 80.1009% | 4,389 |
| Equity capital to assets | 13.8923% | 1,003 |
| Core capital (leverage) ratio | 9.5419% | 4,083 |
| Tier 1 risk-based capital ratio | 11.5966% | 4,893 |
| Total risk-based capital ratio | 12.4610% | 5,029 |
| Memoranda: | ||
| Average total assets | $5,573,813,000 | 196 |
| Average earning assets | $5,015,005,000 | 198 |
| Average equity | $783,745,330 | 174 |
| Average total loans | $4,071,917,330 | 189 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 1,660 |
| Cost of funding earning assets | 0.1482% | 5,389 |
| Net interest margin | 4.2466% | 891 |
| Noninterest income to average assets | 0.7795% | 1,624 |
| Noninterest expense to average assets | 3.4118% | 1,175 |
| Loan and lease loss provision to assets | 0.2139% | 754 |
| Net operating income to assets | 0.5887% | 4,204 |
| Return on assets (ROA) | 0.5897% | 4,246 |
| Pretax return on assets | 0.9662% | 3,510 |
| Return on Equity (ROE) | 4.1680% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.1680% | 3,371 |
| Net charge-offs to loans | 0.1074% | 1,309 |
| Credit loss provision to net charge-offs | 272.9379% | 834 |
| Earnings coverage of net charge-offs (x) | 15.0408% | 1,696 |
| Efficiency ratio | 71.4537% | 2,671 |
| Assets per employee ($millions) | 5.5623% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2134% | 5,772 |
| Loan loss allowance to noncurrent loans | 75.0648% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 4,413 |
| Noncurrent loans to loans | 0.2842% | 4,101 |
| Net loans and leases to total assets | 72.4584% | 2,009 |
| Net loans and leases to deposits | 89.8624% | 1,551 |
| Net loans and leases to core deposits | 93.2265% | 2,044 |
| Total domestic deposits to total assets | 80.6326% | 4,497 |
| Equity capital to assets | 14.4428% | 776 |
| Core capital (leverage) ratio | 9.4130% | 4,221 |
| Tier 1 risk-based capital ratio | 12.0516% | 4,675 |
| Total risk-based capital ratio | 12.9285% | 4,824 |
| Memoranda: | ||
| Average total assets | $5,508,380,000 | 196 |
| Average earning assets | $4,943,164,500 | 199 |
| Average equity | $779,362,500 | 174 |
| Average total loans | $4,018,127,500 | 191 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,289 |
| Cost of funding earning assets | 0.0787% | 5,777 |
| Net interest margin | 3.8964% | 1,978 |
| Noninterest income to average assets | 0.7079% | 2,141 |
| Noninterest expense to average assets | 2.8931% | 2,694 |
| Loan and lease loss provision to assets | 0.1048% | 2,297 |
| Net operating income to assets | 0.7303% | 3,639 |
| Return on assets (ROA) | 0.8165% | 3,336 |
| Pretax return on assets | 1.3516% | 2,095 |
| Return on Equity (ROE) | 5.5578% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.5578% | 1,978 |
| Net charge-offs to loans | -0.0012% | 4,661 |
| Credit loss provision to net charge-offs | -16,215.3846% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5572% | 3,669 |
| Assets per employee ($millions) | 5.6533% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1595% | 5,840 |
| Loan loss allowance to noncurrent loans | 59.7932% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 4,539 |
| Noncurrent loans to loans | 0.2667% | 4,199 |
| Net loans and leases to total assets | 73.1834% | 1,979 |
| Net loans and leases to deposits | 92.3760% | 1,397 |
| Net loans and leases to core deposits | 96.6316% | 1,868 |
| Total domestic deposits to total assets | 79.2233% | 4,741 |
| Equity capital to assets | 13.8529% | 937 |
| Core capital (leverage) ratio | 9.2215% | 4,450 |
| Tier 1 risk-based capital ratio | 11.2483% | 5,191 |
| Total risk-based capital ratio | 11.4603% | 5,631 |
| Memoranda: | ||
| Average total assets | $4,024,530,000 | 231 |
| Average earning assets | $3,622,193,200 | 238 |
| Average equity | $591,246,400 | 193 |
| Average total loans | $2,233,809,000 | 286 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,664 |
| Cost of funding earning assets | 0.0502% | 5,902 |
| Net interest margin | 3.5063% | 3,443 |
| Noninterest income to average assets | 0.5909% | 2,711 |
| Noninterest expense to average assets | 2.5325% | 3,887 |
| Loan and lease loss provision to assets | 0.1010% | 2,224 |
| Net operating income to assets | 0.6748% | 3,985 |
| Return on assets (ROA) | 0.8020% | 3,497 |
| Pretax return on assets | 1.3178% | 2,357 |
| Return on Equity (ROE) | 5.3420% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.3420% | 2,591 |
| Net charge-offs to loans | -0.0115% | 4,819 |
| Credit loss provision to net charge-offs | -1,799.3464% | 5,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1287% | 3,913 |
| Assets per employee ($millions) | 8.2055% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2681% | 5,870 |
| Loan loss allowance to noncurrent loans | 63.6631% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,561 |
| Noncurrent loans to loans | 0.4211% | 3,770 |
| Net loans and leases to total assets | 51.4761% | 4,694 |
| Net loans and leases to deposits | 62.2414% | 4,615 |
| Net loans and leases to core deposits | 65.1714% | 4,661 |
| Total domestic deposits to total assets | 82.7040% | 3,709 |
| Equity capital to assets | 14.8394% | 777 |
| Core capital (leverage) ratio | 11.7911% | 1,818 |
| Tier 1 risk-based capital ratio | 20.0789% | 1,432 |
| Total risk-based capital ratio | 20.3992% | 1,594 |
| Memoranda: | ||
| Average total assets | $3,632,887,750 | 257 |
| Average earning assets | $3,275,742,500 | 259 |
| Average equity | $545,426,250 | 203 |
| Average total loans | $1,767,688,750 | 333 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 4,855 |
| Cost of funding earning assets | 0.0498% | 5,984 |
| Net interest margin | 3.4527% | 3,669 |
| Noninterest income to average assets | 0.5849% | 2,696 |
| Noninterest expense to average assets | 2.4942% | 4,046 |
| Loan and lease loss provision to assets | 0.1051% | 2,103 |
| Net operating income to assets | 0.6656% | 3,975 |
| Return on assets (ROA) | 0.6694% | 4,100 |
| Pretax return on assets | 1.0931% | 3,225 |
| Return on Equity (ROE) | 4.4405% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.4405% | 3,091 |
| Net charge-offs to loans | -0.0139% | 4,807 |
| Credit loss provision to net charge-offs | -1,585.7143% | 5,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0763% | 4,002 |
| Assets per employee ($millions) | 7.8833% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2316% | 5,965 |
| Loan loss allowance to noncurrent loans | 63.1981% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 4,730 |
| Noncurrent loans to loans | 0.3665% | 4,049 |
| Net loans and leases to total assets | 51.6323% | 4,704 |
| Net loans and leases to deposits | 63.2702% | 4,544 |
| Net loans and leases to core deposits | 66.4299% | 4,576 |
| Total domestic deposits to total assets | 81.6061% | 4,117 |
| Equity capital to assets | 15.4346% | 641 |
| Core capital (leverage) ratio | 11.6936% | 1,851 |
| Tier 1 risk-based capital ratio | 19.1202% | 1,665 |
| Total risk-based capital ratio | 19.3909% | 1,860 |
| Memoranda: | ||
| Average total assets | $3,591,142,000 | 261 |
| Average earning assets | $3,225,837,000 | 263 |
| Average equity | $541,340,330 | 204 |
| Average total loans | $1,710,339,000 | 341 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3513% | 5,222 |
| Cost of funding earning assets | 0.0519% | 6,048 |
| Net interest margin | 3.2994% | 4,219 |
| Noninterest income to average assets | 0.5864% | 2,612 |
| Noninterest expense to average assets | 2.4707% | 4,164 |
| Loan and lease loss provision to assets | 0.0614% | 2,713 |
| Net operating income to assets | 0.6321% | 4,052 |
| Return on assets (ROA) | 0.6398% | 4,142 |
| Pretax return on assets | 1.0409% | 3,322 |
| Return on Equity (ROE) | 4.2952% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.2952% | 3,334 |
| Net charge-offs to loans | -0.0682% | 5,477 |
| Credit loss provision to net charge-offs | -197.8495% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5434% | 3,871 |
| Assets per employee ($millions) | 7.9677% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1879% | 6,041 |
| Loan loss allowance to noncurrent loans | 58.8734% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 4,987 |
| Noncurrent loans to loans | 0.3191% | 4,288 |
| Net loans and leases to total assets | 46.0000% | 5,114 |
| Net loans and leases to deposits | 57.2160% | 4,904 |
| Net loans and leases to core deposits | 60.1476% | 4,928 |
| Total domestic deposits to total assets | 80.3970% | 4,662 |
| Equity capital to assets | 15.0614% | 678 |
| Core capital (leverage) ratio | 11.2577% | 2,181 |
| Tier 1 risk-based capital ratio | 19.0862% | 1,714 |
| Total risk-based capital ratio | 19.3004% | 1,935 |
| Memoranda: | ||
| Average total assets | $3,593,265,500 | 259 |
| Average earning assets | $3,239,728,000 | 260 |
| Average equity | $535,199,500 | 206 |
| Average total loans | $1,637,360,000 | 349 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3430% | 6,040 |
| Cost of funding earning assets | 0.0329% | 6,128 |
| Net interest margin | 2.3102% | 5,940 |
| Noninterest income to average assets | 0.4211% | 3,886 |
| Noninterest expense to average assets | 1.8084% | 5,722 |
| Loan and lease loss provision to assets | 0.0746% | 2,775 |
| Net operating income to assets | 0.3220% | 5,291 |
| Return on assets (ROA) | 0.3251% | 5,367 |
| Pretax return on assets | 0.6592% | 4,649 |
| Return on Equity (ROE) | 2.4998% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.4998% | 4,296 |
| Net charge-offs to loans | 0.0185% | 3,907 |
| Credit loss provision to net charge-offs | 885.6164% | 383 |
| Earnings coverage of net charge-offs (x) | 86.4863% | 651 |
| Efficiency ratio | 67.5816% | 3,646 |
| Assets per employee ($millions) | 7.9935% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1424% | 6,101 |
| Loan loss allowance to noncurrent loans | 34.0761% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 4,852 |
| Noncurrent loans to loans | 0.4178% | 3,953 |
| Net loans and leases to total assets | 45.0305% | 5,225 |
| Net loans and leases to deposits | 55.6038% | 5,071 |
| Net loans and leases to core deposits | 58.4615% | 5,081 |
| Total domestic deposits to total assets | 80.9847% | 4,487 |
| Equity capital to assets | 14.7600% | 715 |
| Core capital (leverage) ratio | 11.2180% | 2,192 |
| Tier 1 risk-based capital ratio | 19.1148% | 1,683 |
| Total risk-based capital ratio | 19.2860% | 1,910 |
| Memoranda: | ||
| Average total assets | $3,464,567,600 | 249 |
| Average earning assets | $3,173,775,000 | 244 |
| Average equity | $450,638,200 | 229 |
| Average total loans | $1,581,964,000 | 340 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9734% | 6,192 |
| Cost of funding earning assets | 0.0288% | 6,216 |
| Net interest margin | 1.9446% | 6,146 |
| Noninterest income to average assets | 0.3589% | 4,371 |
| Noninterest expense to average assets | 1.6517% | 5,943 |
| Loan and lease loss provision to assets | 0.0584% | 3,018 |
| Net operating income to assets | 0.1656% | 5,742 |
| Return on assets (ROA) | 0.1689% | 5,794 |
| Pretax return on assets | 0.4421% | 5,365 |
| Return on Equity (ROE) | 1.3458% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.3458% | 5,183 |
| Net charge-offs to loans | 0.0047% | 4,011 |
| Credit loss provision to net charge-offs | 2,736.3636% | 132 |
| Earnings coverage of net charge-offs (x) | 232.1866% | 307 |
| Efficiency ratio | 73.2865% | 2,672 |
| Assets per employee ($millions) | 8.2206% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0928% | 6,198 |
| Loan loss allowance to noncurrent loans | 18.2804% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 4,872 |
| Noncurrent loans to loans | 0.5076% | 3,824 |
| Net loans and leases to total assets | 43.9580% | 5,360 |
| Net loans and leases to deposits | 54.4965% | 5,221 |
| Net loans and leases to core deposits | 57.3570% | 5,231 |
| Total domestic deposits to total assets | 80.6621% | 4,563 |
| Equity capital to assets | 14.8762% | 771 |
| Core capital (leverage) ratio | 11.1661% | 2,335 |
| Tier 1 risk-based capital ratio | 18.7603% | 1,835 |
| Total risk-based capital ratio | 18.9314% | 2,088 |
| Memoranda: | ||
| Average total assets | $3,437,433,500 | 256 |
| Average earning assets | $3,160,927,250 | 251 |
| Average equity | $431,450,500 | 237 |
| Average total loans | $1,574,634,500 | 343 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2784% | 6,308 |
| Cost of funding earning assets | 0.0184% | 6,307 |
| Net interest margin | 1.2600% | 6,297 |
| Noninterest income to average assets | 0.2259% | 5,349 |
| Noninterest expense to average assets | 0.8009% | 6,308 |
| Loan and lease loss provision to assets | 0.0262% | 3,612 |
| Net operating income to assets | 0.3496% | 5,300 |
| Return on assets (ROA) | 0.3498% | 5,407 |
| Pretax return on assets | 0.5658% | 5,060 |
| Return on Equity (ROE) | 2.9787% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.9787% | 4,141 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9687% | 5,589 |
| Assets per employee ($millions) | 8.1734% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0298% | 6,284 |
| Loan loss allowance to noncurrent loans | 5.3686% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 4,927 |
| Noncurrent loans to loans | 0.5557% | 3,791 |
| Net loans and leases to total assets | 42.8246% | 5,447 |
| Net loans and leases to deposits | 52.5464% | 5,346 |
| Net loans and leases to core deposits | 55.4089% | 5,347 |
| Total domestic deposits to total assets | 81.4987% | 4,447 |
| Equity capital to assets | 14.9858% | 707 |
| Core capital (leverage) ratio | 11.4608% | 2,022 |
| Tier 1 risk-based capital ratio | 19.0928% | 1,775 |
| Total risk-based capital ratio | 19.1632% | 2,047 |
| Memoranda: | ||
| Average total assets | $3,399,479,670 | 259 |
| Average earning assets | $3,148,235,000 | 254 |
| Average equity | $399,168,330 | 253 |
| Average total loans | $1,578,670,000 | 343 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 5,404 |
| Cost of funding earning assets | 0.0504% | 6,346 |
| Net interest margin | 3.2694% | 4,346 |
| Noninterest income to average assets | 0.7291% | 2,029 |
| Noninterest expense to average assets | 2.3979% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8794% | 2,847 |
| Return on assets (ROA) | 0.8843% | 2,949 |
| Pretax return on assets | 1.4155% | 1,835 |
| Return on Equity (ROE) | 8.7895% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.7895% | 1,270 |
| Net charge-offs to loans | -0.1625% | 5,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0070% | 4,627 |
| Assets per employee ($millions) | 7.8731% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 819 |
| Loan loss allowance to noncurrent loans | 356.8976% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 4,803 |
| Noncurrent loans to loans | 0.6135% | 3,734 |
| Net loans and leases to total assets | 46.6243% | 5,154 |
| Net loans and leases to deposits | 53.6156% | 5,221 |
| Net loans and leases to core deposits | 56.4459% | 5,226 |
| Total domestic deposits to total assets | 86.9604% | 2,393 |
| Equity capital to assets | 10.2918% | 3,785 |
| Core capital (leverage) ratio | 10.5937% | 2,854 |
| Tier 1 risk-based capital ratio | 17.2440% | 2,394 |
| Total risk-based capital ratio | 18.5061% | 2,348 |
| Memoranda: | ||
| Average total assets | $3,358,279,000 | 259 |
| Average earning assets | $3,160,360,000 | 251 |
| Average equity | $337,859,000 | 285 |
| Average total loans | $1,622,231,500 | 334 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,901 |
| Cost of funding earning assets | 0.0730% | 6,391 |
| Net interest margin | 3.5899% | 3,448 |
| Noninterest income to average assets | 0.7770% | 1,964 |
| Noninterest expense to average assets | 2.8889% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7519% | 3,624 |
| Return on assets (ROA) | 0.7589% | 3,681 |
| Pretax return on assets | 1.2609% | 2,387 |
| Return on Equity (ROE) | 8.0666% | 3,101 |
| Retained earnings to average equity (ytd only) | 5.3611% | 2,362 |
| Net charge-offs to loans | -0.2636% | 6,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7996% | 3,564 |
| Assets per employee ($millions) | 7.4077% | 687 |
| Cash dividends to net income (ytd only)* | 33.5392% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 982 |
| Loan loss allowance to noncurrent loans | 203.6368% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 3,938 |
| Noncurrent loans to loans | 1.0202% | 2,787 |
| Net loans and leases to total assets | 47.9214% | 5,163 |
| Net loans and leases to deposits | 55.0611% | 5,244 |
| Net loans and leases to core deposits | 58.2579% | 5,247 |
| Total domestic deposits to total assets | 87.0332% | 2,264 |
| Equity capital to assets | 9.8308% | 4,311 |
| Core capital (leverage) ratio | 10.3519% | 3,112 |
| Tier 1 risk-based capital ratio | 16.5795% | 2,682 |
| Total risk-based capital ratio | 17.8374% | 2,626 |
| Memoranda: | ||
| Average total assets | $3,350,107,200 | 248 |
| Average earning assets | $3,137,249,800 | 241 |
| Average equity | $315,177,200 | 283 |
| Average total loans | $1,649,452,800 | 308 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,752 |
| Cost of funding earning assets | 0.0789% | 6,457 |
| Net interest margin | 3.6581% | 3,194 |
| Noninterest income to average assets | 0.7901% | 1,931 |
| Noninterest expense to average assets | 3.0259% | 2,716 |
| Loan and lease loss provision to assets | 0.1596% | 1,561 |
| Net operating income to assets | 0.6657% | 4,125 |
| Return on assets (ROA) | 0.6733% | 4,178 |
| Pretax return on assets | 1.0385% | 3,432 |
| Return on Equity (ROE) | 7.2391% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.4987% | 3,453 |
| Net charge-offs to loans | 0.0153% | 4,245 |
| Credit loss provision to net charge-offs | 2,119.0476% | 167 |
| Earnings coverage of net charge-offs (x) | 157.4785% | 395 |
| Efficiency ratio | 71.8359% | 3,210 |
| Assets per employee ($millions) | 6.9840% | 809 |
| Cash dividends to net income (ytd only)* | 37.8559% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0145% | 1,228 |
| Loan loss allowance to noncurrent loans | 186.4898% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 4,027 |
| Noncurrent loans to loans | 1.0802% | 2,913 |
| Net loans and leases to total assets | 49.0510% | 5,107 |
| Net loans and leases to deposits | 55.8789% | 5,248 |
| Net loans and leases to core deposits | 59.0216% | 5,264 |
| Total domestic deposits to total assets | 87.7809% | 1,875 |
| Equity capital to assets | 9.6554% | 4,602 |
| Core capital (leverage) ratio | 10.2740% | 3,314 |
| Tier 1 risk-based capital ratio | 16.0708% | 3,027 |
| Total risk-based capital ratio | 17.3326% | 2,969 |
| Memoranda: | ||
| Average total assets | $3,345,011,250 | 248 |
| Average earning assets | $3,129,236,000 | 235 |
| Average equity | $311,135,000 | 287 |
| Average total loans | $1,649,452,000 | 304 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 5,068 |
| Cost of funding earning assets | 0.0848% | 6,515 |
| Net interest margin | 3.5459% | 3,591 |
| Noninterest income to average assets | 0.7860% | 1,896 |
| Noninterest expense to average assets | 3.1818% | 2,247 |
| Loan and lease loss provision to assets | 0.2399% | 940 |
| Net operating income to assets | 0.4658% | 4,949 |
| Return on assets (ROA) | 0.4718% | 4,997 |
| Pretax return on assets | 0.6871% | 4,688 |
| Return on Equity (ROE) | 5.1377% | 4,611 |
| Retained earnings to average equity (ytd only) | 2.3615% | 4,702 |
| Net charge-offs to loans | 0.0145% | 3,945 |
| Credit loss provision to net charge-offs | 3,372.2689% | 103 |
| Earnings coverage of net charge-offs (x) | 129.0672% | 465 |
| Efficiency ratio | 77.6020% | 2,357 |
| Assets per employee ($millions) | 6.5027% | 1,010 |
| Cash dividends to net income (ytd only)* | 54.0362% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0405% | 1,293 |
| Loan loss allowance to noncurrent loans | 119.0676% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 3,239 |
| Noncurrent loans to loans | 1.7137% | 2,015 |
| Net loans and leases to total assets | 49.1423% | 5,059 |
| Net loans and leases to deposits | 55.8186% | 5,202 |
| Net loans and leases to core deposits | 59.2632% | 5,183 |
| Total domestic deposits to total assets | 88.0392% | 1,876 |
| Equity capital to assets | 9.5882% | 4,642 |
| Core capital (leverage) ratio | 10.1550% | 3,409 |
| Tier 1 risk-based capital ratio | 15.8641% | 3,161 |
| Total risk-based capital ratio | 17.1269% | 3,091 |
| Memoranda: | ||
| Average total assets | $3,344,903,670 | 245 |
| Average earning assets | $3,126,292,330 | 234 |
| Average equity | $307,178,670 | 286 |
| Average total loans | $1,641,050,330 | 298 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 5,485 |
| Cost of funding earning assets | 0.0916% | 6,585 |
| Net interest margin | 3.3873% | 4,182 |
| Noninterest income to average assets | 0.7774% | 1,849 |
| Noninterest expense to average assets | 3.2373% | 2,104 |
| Loan and lease loss provision to assets | 0.4744% | 326 |
| Net operating income to assets | 0.2040% | 5,790 |
| Return on assets (ROA) | 0.2161% | 5,806 |
| Pretax return on assets | 0.2441% | 5,847 |
| Return on Equity (ROE) | 2.4048% | 5,667 |
| Retained earnings to average equity (ytd only) | -0.4153% | 5,629 |
| Net charge-offs to loans | 0.0140% | 3,318 |
| Credit loss provision to net charge-offs | 7,003.5088% | 39 |
| Earnings coverage of net charge-offs (x) | 104.0702% | 440 |
| Efficiency ratio | 82.1169% | 1,913 |
| Assets per employee ($millions) | 5.9258% | 1,357 |
| Cash dividends to net income (ytd only)* | 117.2717% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 1,376 |
| Loan loss allowance to noncurrent loans | 88.2077% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 2,849 |
| Noncurrent loans to loans | 2.3534% | 1,495 |
| Net loans and leases to total assets | 47.5310% | 5,183 |
| Net loans and leases to deposits | 54.6116% | 5,225 |
| Net loans and leases to core deposits | 57.9911% | 5,199 |
| Total domestic deposits to total assets | 87.0345% | 2,789 |
| Equity capital to assets | 9.0968% | 5,003 |
| Core capital (leverage) ratio | 9.8307% | 3,819 |
| Tier 1 risk-based capital ratio | 16.0198% | 3,163 |
| Total risk-based capital ratio | 17.2816% | 3,109 |
| Memoranda: | ||
| Average total assets | $3,365,663,000 | 240 |
| Average earning assets | $3,144,715,000 | 233 |
| Average equity | $302,401,000 | 286 |
| Average total loans | $1,632,989,000 | 301 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 5,001 |
| Cost of funding earning assets | 0.1344% | 6,593 |
| Net interest margin | 3.6071% | 3,440 |
| Noninterest income to average assets | 0.8392% | 1,904 |
| Noninterest expense to average assets | 3.1732% | 2,500 |
| Loan and lease loss provision to assets | 0.1114% | 2,945 |
| Net operating income to assets | 0.6115% | 4,211 |
| Return on assets (ROA) | 0.6583% | 4,097 |
| Pretax return on assets | 0.9782% | 3,437 |
| Return on Equity (ROE) | 7.1582% | 3,486 |
| Retained earnings to average equity (ytd only) | 4.3271% | 3,098 |
| Net charge-offs to loans | 0.1823% | 3,010 |
| Credit loss provision to net charge-offs | 120.3099% | 1,986 |
| Earnings coverage of net charge-offs (x) | 11.0115% | 2,288 |
| Efficiency ratio | 75.6799% | 2,831 |
| Assets per employee ($millions) | 5.7631% | 1,433 |
| Cash dividends to net income (ytd only)* | 39.5501% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 1,976 |
| Loan loss allowance to noncurrent loans | 87.1693% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2055% | 2,984 |
| Noncurrent loans to loans | 2.0992% | 1,883 |
| Net loans and leases to total assets | 47.6122% | 5,337 |
| Net loans and leases to deposits | 54.8478% | 5,395 |
| Net loans and leases to core deposits | 58.2602% | 5,373 |
| Total domestic deposits to total assets | 86.8078% | 2,827 |
| Equity capital to assets | 8.8733% | 5,177 |
| Core capital (leverage) ratio | 9.8168% | 3,821 |
| Tier 1 risk-based capital ratio | 15.9917% | 3,093 |
| Total risk-based capital ratio | 17.2509% | 3,050 |
| Memoranda: | ||
| Average total assets | $3,275,214,400 | 234 |
| Average earning assets | $3,045,155,000 | 226 |
| Average equity | $301,193,600 | 276 |
| Average total loans | $1,663,311,200 | 288 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 4,903 |
| Cost of funding earning assets | 0.1418% | 6,667 |
| Net interest margin | 3.6455% | 3,254 |
| Noninterest income to average assets | 0.8310% | 2,005 |
| Noninterest expense to average assets | 3.1693% | 2,452 |
| Loan and lease loss provision to assets | 0.0265% | 4,477 |
| Net operating income to assets | 0.6770% | 3,969 |
| Return on assets (ROA) | 0.7384% | 3,787 |
| Pretax return on assets | 1.1136% | 3,054 |
| Return on Equity (ROE) | 7.9573% | 3,142 |
| Retained earnings to average equity (ytd only) | 5.1312% | 2,985 |
| Net charge-offs to loans | 0.2373% | 2,381 |
| Credit loss provision to net charge-offs | 21.7289% | 4,043 |
| Earnings coverage of net charge-offs (x) | 8.5880% | 2,603 |
| Efficiency ratio | 75.1666% | 2,880 |
| Assets per employee ($millions) | 5.5840% | 1,551 |
| Cash dividends to net income (ytd only)* | 35.5159% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 2,853 |
| Loan loss allowance to noncurrent loans | 80.6150% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 3,082 |
| Noncurrent loans to loans | 2.0316% | 2,214 |
| Net loans and leases to total assets | 49.0948% | 5,239 |
| Net loans and leases to deposits | 56.6227% | 5,319 |
| Net loans and leases to core deposits | 59.5423% | 5,337 |
| Total domestic deposits to total assets | 86.7051% | 2,851 |
| Equity capital to assets | 8.9717% | 5,221 |
| Core capital (leverage) ratio | 10.0503% | 3,601 |
| Tier 1 risk-based capital ratio | 15.8974% | 3,254 |
| Total risk-based capital ratio | 17.1527% | 3,196 |
| Memoranda: | ||
| Average total assets | $3,251,163,250 | 231 |
| Average earning assets | $3,019,161,250 | 223 |
| Average equity | $301,702,750 | 273 |
| Average total loans | $1,670,357,250 | 286 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 5,193 |
| Cost of funding earning assets | 0.1476% | 6,720 |
| Net interest margin | 3.5366% | 3,626 |
| Noninterest income to average assets | 0.8577% | 1,975 |
| Noninterest expense to average assets | 3.2789% | 2,133 |
| Loan and lease loss provision to assets | 0.0484% | 4,010 |
| Net operating income to assets | 0.5639% | 4,483 |
| Return on assets (ROA) | 0.6581% | 4,188 |
| Pretax return on assets | 0.9676% | 3,648 |
| Return on Equity (ROE) | 7.0130% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.2039% | 3,617 |
| Net charge-offs to loans | 0.1490% | 2,911 |
| Credit loss provision to net charge-offs | 62.6400% | 2,970 |
| Earnings coverage of net charge-offs (x) | 11.3536% | 2,056 |
| Efficiency ratio | 78.8888% | 2,322 |
| Assets per employee ($millions) | 5.4755% | 1,615 |
| Cash dividends to net income (ytd only)* | 40.0564% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 2,652 |
| Loan loss allowance to noncurrent loans | 96.1362% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 3,418 |
| Noncurrent loans to loans | 1.8041% | 2,635 |
| Net loans and leases to total assets | 50.2344% | 5,087 |
| Net loans and leases to deposits | 58.2855% | 5,136 |
| Net loans and leases to core deposits | 62.3284% | 5,067 |
| Total domestic deposits to total assets | 86.1868% | 3,271 |
| Equity capital to assets | 9.0416% | 5,175 |
| Core capital (leverage) ratio | 10.0353% | 3,462 |
| Tier 1 risk-based capital ratio | 15.6182% | 3,416 |
| Total risk-based capital ratio | 16.8765% | 3,358 |
| Memoranda: | ||
| Average total assets | $3,234,842,330 | 232 |
| Average earning assets | $3,017,169,000 | 222 |
| Average equity | $303,577,670 | 273 |
| Average total loans | $1,678,087,670 | 287 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 5,349 |
| Cost of funding earning assets | 0.1555% | 6,782 |
| Net interest margin | 3.4793% | 3,790 |
| Noninterest income to average assets | 0.8264% | 2,014 |
| Noninterest expense to average assets | 3.1652% | 2,463 |
| Loan and lease loss provision to assets | 0.1137% | 2,812 |
| Net operating income to assets | 0.5446% | 4,479 |
| Return on assets (ROA) | 0.6601% | 4,061 |
| Pretax return on assets | 0.9677% | 3,494 |
| Return on Equity (ROE) | 6.9069% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.1410% | 3,736 |
| Net charge-offs to loans | 0.2620% | 1,911 |
| Credit loss provision to net charge-offs | 83.0616% | 2,121 |
| Earnings coverage of net charge-offs (x) | 6.6594% | 2,187 |
| Efficiency ratio | 77.6399% | 2,667 |
| Assets per employee ($millions) | 5.6179% | 1,568 |
| Cash dividends to net income (ytd only)* | 40.0451% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 2,888 |
| Loan loss allowance to noncurrent loans | 55.0031% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 2,595 |
| Noncurrent loans to loans | 3.1422% | 1,577 |
| Net loans and leases to total assets | 50.6356% | 4,905 |
| Net loans and leases to deposits | 59.6802% | 4,836 |
| Net loans and leases to core deposits | 63.9237% | 4,749 |
| Total domestic deposits to total assets | 84.8450% | 4,122 |
| Equity capital to assets | 9.4333% | 4,950 |
| Core capital (leverage) ratio | 9.9864% | 3,403 |
| Tier 1 risk-based capital ratio | 15.5695% | 3,491 |
| Total risk-based capital ratio | 16.8246% | 3,451 |
| Memoranda: | ||
| Average total assets | $3,226,053,000 | 237 |
| Average earning assets | $3,013,845,500 | 227 |
| Average equity | $308,331,000 | 271 |
| Average total loans | $1,685,796,000 | 289 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 4,861 |
| Cost of funding earning assets | 0.2144% | 6,794 |
| Net interest margin | 3.9098% | 2,787 |
| Noninterest income to average assets | 0.7556% | 2,464 |
| Noninterest expense to average assets | 3.5817% | 1,654 |
| Loan and lease loss provision to assets | 0.0533% | 5,139 |
| Net operating income to assets | 0.5163% | 4,616 |
| Return on assets (ROA) | 0.7241% | 3,876 |
| Pretax return on assets | 1.0652% | 3,288 |
| Return on Equity (ROE) | 7.4250% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.5919% | 2,992 |
| Net charge-offs to loans | 0.4271% | 2,528 |
| Credit loss provision to net charge-offs | 22.7474% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.4670% | 3,714 |
| Efficiency ratio | 81.5032% | 1,944 |
| Assets per employee ($millions) | 5.4776% | 1,703 |
| Cash dividends to net income (ytd only)* | 38.1555% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 2,797 |
| Loan loss allowance to noncurrent loans | 53.5116% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.9431% | 2,517 |
| Noncurrent loans to loans | 3.2464% | 1,584 |
| Net loans and leases to total assets | 52.0844% | 4,913 |
| Net loans and leases to deposits | 60.7056% | 4,944 |
| Net loans and leases to core deposits | 65.1618% | 4,820 |
| Total domestic deposits to total assets | 85.7983% | 3,456 |
| Equity capital to assets | 9.6852% | 4,611 |
| Core capital (leverage) ratio | 9.9396% | 3,484 |
| Tier 1 risk-based capital ratio | 15.2616% | 3,570 |
| Total risk-based capital ratio | 16.5154% | 3,518 |
| Memoranda: | ||
| Average total assets | $3,086,262,800 | 240 |
| Average earning assets | $2,872,525,600 | 232 |
| Average equity | $300,984,600 | 272 |
| Average total loans | $1,694,277,800 | 279 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 5,077 |
| Cost of funding earning assets | 0.2249% | 6,891 |
| Net interest margin | 3.9061% | 2,894 |
| Noninterest income to average assets | 0.7315% | 2,560 |
| Noninterest expense to average assets | 3.5158% | 1,722 |
| Loan and lease loss provision to assets | 0.2864% | 2,281 |
| Net operating income to assets | 0.3905% | 5,287 |
| Return on assets (ROA) | 0.6544% | 4,387 |
| Pretax return on assets | 0.9406% | 3,957 |
| Return on Equity (ROE) | 6.6983% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.4958% | 3,733 |
| Net charge-offs to loans | 0.5719% | 1,905 |
| Credit loss provision to net charge-offs | 90.4192% | 3,277 |
| Earnings coverage of net charge-offs (x) | 2.6834% | 3,961 |
| Efficiency ratio | 80.5306% | 2,012 |
| Assets per employee ($millions) | 5.2853% | 1,842 |
| Cash dividends to net income (ytd only)* | 32.8809% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 2,107 |
| Loan loss allowance to noncurrent loans | 48.4020% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 2.4933% | 2,126 |
| Noncurrent loans to loans | 4.1769% | 1,191 |
| Net loans and leases to total assets | 53.1470% | 4,886 |
| Net loans and leases to deposits | 62.8183% | 4,872 |
| Net loans and leases to core deposits | 67.5031% | 4,775 |
| Total domestic deposits to total assets | 84.6043% | 3,931 |
| Equity capital to assets | 9.9388% | 4,593 |
| Core capital (leverage) ratio | 10.1609% | 3,334 |
| Tier 1 risk-based capital ratio | 15.3779% | 3,609 |
| Total risk-based capital ratio | 16.6342% | 3,562 |
| Memoranda: | ||
| Average total assets | $3,062,210,000 | 242 |
| Average earning assets | $2,849,179,500 | 234 |
| Average equity | $299,173,500 | 272 |
| Average total loans | $1,696,128,250 | 278 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 5,291 |
| Cost of funding earning assets | 0.2322% | 6,966 |
| Net interest margin | 3.8768% | 3,012 |
| Noninterest income to average assets | 0.7936% | 2,215 |
| Noninterest expense to average assets | 3.5144% | 1,753 |
| Loan and lease loss provision to assets | 0.5975% | 1,004 |
| Net operating income to assets | 0.2145% | 5,871 |
| Return on assets (ROA) | 0.4723% | 5,192 |
| Pretax return on assets | 0.6247% | 5,054 |
| Return on Equity (ROE) | 4.8635% | 4,867 |
| Retained earnings to average equity (ytd only) | 2.6340% | 4,863 |
| Net charge-offs to loans | 0.7521% | 1,467 |
| Credit loss provision to net charge-offs | 142.4185% | 1,951 |
| Earnings coverage of net charge-offs (x) | 2.1046% | 3,935 |
| Efficiency ratio | 79.9211% | 2,194 |
| Assets per employee ($millions) | 5.1287% | 1,996 |
| Cash dividends to net income (ytd only)* | 45.8403% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1899% | 1,793 |
| Loan loss allowance to noncurrent loans | 45.6329% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 2.8095% | 1,959 |
| Noncurrent loans to loans | 4.7988% | 1,061 |
| Net loans and leases to total assets | 54.3969% | 4,731 |
| Net loans and leases to deposits | 63.9347% | 4,771 |
| Net loans and leases to core deposits | 68.9112% | 4,682 |
| Total domestic deposits to total assets | 85.0819% | 3,820 |
| Equity capital to assets | 9.6934% | 4,766 |
| Core capital (leverage) ratio | 10.1431% | 3,211 |
| Tier 1 risk-based capital ratio | 15.2511% | 3,599 |
| Total risk-based capital ratio | 16.5117% | 3,563 |
| Memoranda: | ||
| Average total assets | $3,043,508,670 | 244 |
| Average earning assets | $2,829,054,330 | 235 |
| Average equity | $295,590,670 | 274 |
| Average total loans | $1,697,675,670 | 276 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 5,220 |
| Cost of funding earning assets | 0.2407% | 7,030 |
| Net interest margin | 3.9267% | 2,815 |
| Noninterest income to average assets | 0.7469% | 2,414 |
| Noninterest expense to average assets | 3.4605% | 1,843 |
| Loan and lease loss provision to assets | 0.7935% | 627 |
| Net operating income to assets | 0.1172% | 6,201 |
| Return on assets (ROA) | 0.3676% | 5,576 |
| Pretax return on assets | 0.4382% | 5,621 |
| Return on Equity (ROE) | 3.7815% | 5,387 |
| Retained earnings to average equity (ytd only) | 1.5387% | 5,471 |
| Net charge-offs to loans | 0.3382% | 2,304 |
| Credit loss provision to net charge-offs | 420.0420% | 754 |
| Earnings coverage of net charge-offs (x) | 4.9418% | 2,473 |
| Efficiency ratio | 78.7539% | 2,390 |
| Assets per employee ($millions) | 5.0856% | 2,145 |
| Cash dividends to net income (ytd only)* | 59.3086% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3378% | 1,612 |
| Loan loss allowance to noncurrent loans | 51.0017% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 2.6969% | 2,183 |
| Noncurrent loans to loans | 4.5837% | 1,253 |
| Net loans and leases to total assets | 54.0251% | 4,719 |
| Net loans and leases to deposits | 64.0286% | 4,634 |
| Net loans and leases to core deposits | 69.0603% | 4,554 |
| Total domestic deposits to total assets | 84.3765% | 4,334 |
| Equity capital to assets | 9.6094% | 4,636 |
| Core capital (leverage) ratio | 10.1401% | 3,186 |
| Tier 1 risk-based capital ratio | 15.0075% | 3,756 |
| Total risk-based capital ratio | 16.2676% | 3,703 |
| Memoranda: | ||
| Average total assets | $3,021,516,000 | 246 |
| Average earning assets | $2,806,419,500 | 234 |
| Average equity | $293,745,000 | 270 |
| Average total loans | $1,687,962,000 | 272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 5,022 |
| Cost of funding earning assets | 0.3164% | 7,077 |
| Net interest margin | 4.1964% | 2,072 |
| Noninterest income to average assets | 0.8345% | 1,910 |
| Noninterest expense to average assets | 3.6520% | 1,634 |
| Loan and lease loss provision to assets | 0.7531% | 1,337 |
| Net operating income to assets | 0.2769% | 5,343 |
| Return on assets (ROA) | 0.5925% | 4,214 |
| Pretax return on assets | 0.6957% | 4,336 |
| Return on Equity (ROE) | 5.9026% | 3,919 |
| Retained earnings to average equity (ytd only) | 2.9808% | 4,111 |
| Net charge-offs to loans | 1.2835% | 1,289 |
| Credit loss provision to net charge-offs | 98.4487% | 3,650 |
| Earnings coverage of net charge-offs (x) | 1.4085% | 4,714 |
| Efficiency ratio | 77.2176% | 2,710 |
| Assets per employee ($millions) | 4.9449% | 2,285 |
| Cash dividends to net income (ytd only)* | 49.5008% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 2,089 |
| Loan loss allowance to noncurrent loans | 47.8275% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.6212% | 2,318 |
| Noncurrent loans to loans | 4.3223% | 1,407 |
| Net loans and leases to total assets | 55.2557% | 4,847 |
| Net loans and leases to deposits | 64.2307% | 4,978 |
| Net loans and leases to core deposits | 69.4797% | 4,852 |
| Total domestic deposits to total assets | 86.0269% | 3,309 |
| Equity capital to assets | 9.8364% | 4,388 |
| Core capital (leverage) ratio | 10.2878% | 2,986 |
| Tier 1 risk-based capital ratio | 14.9263% | 3,682 |
| Total risk-based capital ratio | 16.1832% | 3,645 |
| Memoranda: | ||
| Average total assets | $2,907,144,800 | 246 |
| Average earning assets | $2,698,325,800 | 234 |
| Average equity | $291,837,000 | 268 |
| Average total loans | $1,732,693,800 | 262 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 5,217 |
| Cost of funding earning assets | 0.3279% | 7,162 |
| Net interest margin | 4.1875% | 2,152 |
| Noninterest income to average assets | 0.8550% | 1,820 |
| Noninterest expense to average assets | 3.6792% | 1,537 |
| Loan and lease loss provision to assets | 0.8188% | 1,135 |
| Net operating income to assets | 0.2454% | 5,583 |
| Return on assets (ROA) | 0.4854% | 4,796 |
| Pretax return on assets | 0.4848% | 5,210 |
| Return on Equity (ROE) | 4.8103% | 4,606 |
| Retained earnings to average equity (ytd only) | 2.5478% | 4,839 |
| Net charge-offs to loans | 1.4011% | 1,071 |
| Credit loss provision to net charge-offs | 96.7203% | 3,544 |
| Earnings coverage of net charge-offs (x) | 1.2563% | 4,676 |
| Efficiency ratio | 77.5747% | 2,599 |
| Assets per employee ($millions) | 4.8151% | 2,450 |
| Cash dividends to net income (ytd only)* | 47.0353% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0234% | 2,269 |
| Loan loss allowance to noncurrent loans | 33.9768% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 3.8023% | 1,630 |
| Noncurrent loans to loans | 5.9553% | 938 |
| Net loans and leases to total assets | 57.1957% | 4,645 |
| Net loans and leases to deposits | 67.5340% | 4,686 |
| Net loans and leases to core deposits | 73.4607% | 4,536 |
| Total domestic deposits to total assets | 84.6917% | 3,920 |
| Equity capital to assets | 10.1682% | 4,135 |
| Core capital (leverage) ratio | 10.2914% | 3,093 |
| Tier 1 risk-based capital ratio | 14.6169% | 3,891 |
| Total risk-based capital ratio | 15.8753% | 3,863 |
| Memoranda: | ||
| Average total assets | $2,886,016,500 | 246 |
| Average earning assets | $2,679,495,250 | 234 |
| Average equity | $291,228,750 | 269 |
| Average total loans | $1,743,878,250 | 261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 5,008 |
| Cost of funding earning assets | 0.3399% | 7,247 |
| Net interest margin | 4.2499% | 1,845 |
| Noninterest income to average assets | 0.9147% | 1,603 |
| Noninterest expense to average assets | 3.7201% | 1,492 |
| Loan and lease loss provision to assets | 0.9207% | 971 |
| Net operating income to assets | 0.2680% | 5,486 |
| Return on assets (ROA) | 0.4186% | 5,014 |
| Pretax return on assets | 0.3744% | 5,471 |
| Return on Equity (ROE) | 4.1590% | 4,851 |
| Retained earnings to average equity (ytd only) | 1.8788% | 5,040 |
| Net charge-offs to loans | 1.5977% | 919 |
| Credit loss provision to net charge-offs | 94.2780% | 3,335 |
| Earnings coverage of net charge-offs (x) | 1.1719% | 4,401 |
| Efficiency ratio | 76.4745% | 2,943 |
| Assets per employee ($millions) | 4.7412% | 2,487 |
| Cash dividends to net income (ytd only)* | 54.8269% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 2,352 |
| Loan loss allowance to noncurrent loans | 31.6060% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 4.2727% | 1,486 |
| Noncurrent loans to loans | 6.3510% | 897 |
| Net loans and leases to total assets | 57.8441% | 4,660 |
| Net loans and leases to deposits | 69.7728% | 4,466 |
| Net loans and leases to core deposits | 75.9477% | 4,322 |
| Total domestic deposits to total assets | 82.9036% | 4,795 |
| Equity capital to assets | 10.1204% | 3,990 |
| Core capital (leverage) ratio | 10.5394% | 2,674 |
| Tier 1 risk-based capital ratio | 14.6119% | 3,722 |
| Total risk-based capital ratio | 15.8697% | 3,683 |
| Memoranda: | ||
| Average total assets | $2,870,547,670 | 250 |
| Average earning assets | $2,667,777,330 | 237 |
| Average equity | $288,913,000 | 273 |
| Average total loans | $1,754,551,670 | 264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 4,734 |
| Cost of funding earning assets | 0.3547% | 7,311 |
| Net interest margin | 4.2981% | 1,569 |
| Noninterest income to average assets | 0.9333% | 1,534 |
| Noninterest expense to average assets | 3.8411% | 1,271 |
| Loan and lease loss provision to assets | 0.6318% | 1,366 |
| Net operating income to assets | 0.4094% | 4,905 |
| Return on assets (ROA) | 0.5340% | 4,425 |
| Pretax return on assets | 0.5955% | 4,700 |
| Return on Equity (ROE) | 5.3202% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.0192% | 4,350 |
| Net charge-offs to loans | 0.0331% | 4,631 |
| Credit loss provision to net charge-offs | 3,065.3061% | 117 |
| Earnings coverage of net charge-offs (x) | 52.8299% | 554 |
| Efficiency ratio | 77.9118% | 2,858 |
| Assets per employee ($millions) | 4.5824% | 2,764 |
| Cash dividends to net income (ytd only)* | 43.2511% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2457% | 1,866 |
| Loan loss allowance to noncurrent loans | 90.2416% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1842% | 3,086 |
| Noncurrent loans to loans | 2.4885% | 3,003 |
| Net loans and leases to total assets | 61.2635% | 4,021 |
| Net loans and leases to deposits | 72.4280% | 3,999 |
| Net loans and leases to core deposits | 78.8535% | 3,917 |
| Total domestic deposits to total assets | 84.5854% | 4,234 |
| Equity capital to assets | 10.2363% | 3,490 |
| Core capital (leverage) ratio | 10.2956% | 2,805 |
| Tier 1 risk-based capital ratio | 14.2695% | 3,893 |
| Total risk-based capital ratio | 15.5300% | 3,840 |
| Memoranda: | ||
| Average total assets | $2,852,653,500 | 252 |
| Average earning assets | $2,652,626,500 | 240 |
| Average equity | $286,302,500 | 268 |
| Average total loans | $1,774,037,000 | 264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 5,783 |
| Cost of funding earning assets | 0.4778% | 7,328 |
| Net interest margin | 4.2283% | 2,063 |
| Noninterest income to average assets | 0.8900% | 1,887 |
| Noninterest expense to average assets | 3.5468% | 2,060 |
| Loan and lease loss provision to assets | 1.1966% | 1,310 |
| Net operating income to assets | 0.2239% | 5,205 |
| Return on assets (ROA) | 0.3784% | 4,791 |
| Pretax return on assets | 0.2759% | 5,298 |
| Return on Equity (ROE) | 3.7636% | 4,627 |
| Retained earnings to average equity (ytd only) | 0.8546% | 5,120 |
| Net charge-offs to loans | 1.3730% | 1,630 |
| Credit loss provision to net charge-offs | 140.7910% | 2,679 |
| Earnings coverage of net charge-offs (x) | 1.5508% | 4,579 |
| Efficiency ratio | 72.9069% | 3,616 |
| Assets per employee ($millions) | 4.6416% | 2,639 |
| Cash dividends to net income (ytd only)* | 77.2933% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 2,368 |
| Loan loss allowance to noncurrent loans | 78.2550% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.2506% | 3,026 |
| Noncurrent loans to loans | 2.5231% | 3,005 |
| Net loans and leases to total assets | 60.5015% | 4,583 |
| Net loans and leases to deposits | 71.5580% | 4,595 |
| Net loans and leases to core deposits | 77.9519% | 4,463 |
| Total domestic deposits to total assets | 84.5489% | 4,086 |
| Equity capital to assets | 9.8418% | 3,951 |
| Core capital (leverage) ratio | 9.9024% | 3,205 |
| Tier 1 risk-based capital ratio | 14.0426% | 3,844 |
| Total risk-based capital ratio | 15.2993% | 3,807 |
| Memoranda: | ||
| Average total assets | $2,915,704,400 | 248 |
| Average earning assets | $2,740,961,200 | 240 |
| Average equity | $293,125,000 | 258 |
| Average total loans | $1,804,781,600 | 264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 6,015 |
| Cost of funding earning assets | 0.5014% | 7,444 |
| Net interest margin | 4.1990% | 2,218 |
| Noninterest income to average assets | 0.8534% | 1,983 |
| Noninterest expense to average assets | 3.4759% | 2,096 |
| Loan and lease loss provision to assets | 1.3708% | 991 |
| Net operating income to assets | 0.1170% | 5,729 |
| Return on assets (ROA) | 0.3071% | 5,314 |
| Pretax return on assets | 0.1531% | 5,829 |
| Return on Equity (ROE) | 3.0386% | 5,205 |
| Retained earnings to average equity (ytd only) | 0.8070% | 5,487 |
| Net charge-offs to loans | 1.4430% | 1,409 |
| Credit loss provision to net charge-offs | 153.3619% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.4922% | 4,611 |
| Efficiency ratio | 72.2687% | 3,647 |
| Assets per employee ($millions) | 4.6869% | 2,618 |
| Cash dividends to net income (ytd only)* | 73.4433% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9820% | 2,273 |
| Loan loss allowance to noncurrent loans | 71.4231% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.2806% | 3,103 |
| Noncurrent loans to loans | 2.7751% | 2,864 |
| Net loans and leases to total assets | 60.8511% | 4,748 |
| Net loans and leases to deposits | 73.4094% | 4,614 |
| Net loans and leases to core deposits | 80.2548% | 4,481 |
| Total domestic deposits to total assets | 82.8928% | 4,634 |
| Equity capital to assets | 10.2942% | 3,773 |
| Core capital (leverage) ratio | 9.9161% | 3,338 |
| Tier 1 risk-based capital ratio | 14.3543% | 3,594 |
| Total risk-based capital ratio | 15.6111% | 3,556 |
| Memoranda: | ||
| Average total assets | $2,921,698,500 | 246 |
| Average earning assets | $2,752,816,750 | 236 |
| Average equity | $295,256,750 | 256 |
| Average total loans | $1,809,782,500 | 266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 6,148 |
| Cost of funding earning assets | 0.5191% | 7,519 |
| Net interest margin | 4.1790% | 2,229 |
| Noninterest income to average assets | 0.8820% | 1,752 |
| Noninterest expense to average assets | 3.4722% | 2,096 |
| Loan and lease loss provision to assets | 1.4335% | 933 |
| Net operating income to assets | 0.0926% | 5,883 |
| Return on assets (ROA) | 0.2854% | 5,388 |
| Pretax return on assets | 0.1147% | 5,948 |
| Return on Equity (ROE) | 2.8413% | 5,317 |
| Retained earnings to average equity (ytd only) | 0.6032% | 5,519 |
| Net charge-offs to loans | 1.1489% | 1,656 |
| Credit loss provision to net charge-offs | 201.5829% | 1,939 |
| Earnings coverage of net charge-offs (x) | 1.9062% | 4,096 |
| Efficiency ratio | 71.9219% | 3,828 |
| Assets per employee ($millions) | 4.7819% | 2,468 |
| Cash dividends to net income (ytd only)* | 78.7712% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,180 |
| Loan loss allowance to noncurrent loans | 75.8129% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 2.1269% | 3,339 |
| Noncurrent loans to loans | 2.6381% | 2,999 |
| Net loans and leases to total assets | 59.4192% | 5,170 |
| Net loans and leases to deposits | 72.1043% | 4,972 |
| Net loans and leases to core deposits | 79.9364% | 4,702 |
| Total domestic deposits to total assets | 82.4074% | 4,823 |
| Equity capital to assets | 10.0414% | 3,967 |
| Core capital (leverage) ratio | 9.7919% | 3,416 |
| Tier 1 risk-based capital ratio | 14.4040% | 3,489 |
| Total risk-based capital ratio | 15.6611% | 3,456 |
| Memoranda: | ||
| Average total assets | $2,931,669,000 | 245 |
| Average earning assets | $2,768,102,670 | 236 |
| Average equity | $294,446,670 | 255 |
| Average total loans | $1,814,621,000 | 267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 6,179 |
| Cost of funding earning assets | 0.5493% | 7,606 |
| Net interest margin | 4.1703% | 2,155 |
| Noninterest income to average assets | 0.9317% | 1,510 |
| Noninterest expense to average assets | 3.3600% | 2,347 |
| Loan and lease loss provision to assets | 1.4339% | 826 |
| Net operating income to assets | 0.2700% | 5,421 |
| Return on assets (ROA) | 0.2753% | 5,525 |
| Pretax return on assets | 0.0875% | 6,167 |
| Return on Equity (ROE) | 2.7409% | 5,460 |
| Retained earnings to average equity (ytd only) | 0.4983% | 5,633 |
| Net charge-offs to loans | 0.6388% | 2,224 |
| Credit loss provision to net charge-offs | 358.9182% | 1,131 |
| Earnings coverage of net charge-offs (x) | 3.7949% | 2,781 |
| Efficiency ratio | 68.9078% | 4,525 |
| Assets per employee ($millions) | 4.7380% | 2,585 |
| Cash dividends to net income (ytd only)* | 81.8182% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,760 |
| Loan loss allowance to noncurrent loans | 83.0767% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 4,148 |
| Noncurrent loans to loans | 2.1575% | 3,581 |
| Net loans and leases to total assets | 61.6766% | 4,822 |
| Net loans and leases to deposits | 75.8578% | 4,442 |
| Net loans and leases to core deposits | 83.7995% | 4,235 |
| Total domestic deposits to total assets | 81.3055% | 5,343 |
| Equity capital to assets | 10.1367% | 3,692 |
| Core capital (leverage) ratio | 10.0305% | 3,129 |
| Tier 1 risk-based capital ratio | 13.9964% | 3,655 |
| Total risk-based capital ratio | 15.2515% | 3,618 |
| Memoranda: | ||
| Average total assets | $2,924,667,500 | 254 |
| Average earning assets | $2,766,243,000 | 246 |
| Average equity | $293,776,000 | 258 |
| Average total loans | $1,828,923,500 | 276 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 5,960 |
| Cost of funding earning assets | 0.8946% | 7,415 |
| Net interest margin | 4.2352% | 1,957 |
| Noninterest income to average assets | 0.7903% | 2,454 |
| Noninterest expense to average assets | 3.3980% | 2,687 |
| Loan and lease loss provision to assets | 1.1444% | 1,992 |
| Net operating income to assets | 0.3006% | 4,539 |
| Return on assets (ROA) | 0.5383% | 3,664 |
| Pretax return on assets | 0.4991% | 4,188 |
| Return on Equity (ROE) | 5.2121% | 3,577 |
| Retained earnings to average equity (ytd only) | 1.6373% | 3,938 |
| Net charge-offs to loans | 1.9465% | 1,273 |
| Credit loss provision to net charge-offs | 89.6350% | 6,010 |
| Earnings coverage of net charge-offs (x) | 1.1011% | 5,009 |
| Efficiency ratio | 70.7359% | 4,486 |
| Assets per employee ($millions) | 4.8120% | 2,464 |
| Cash dividends to net income (ytd only)* | 68.5870% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,381 |
| Loan loss allowance to noncurrent loans | 59.6511% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4306% | 4,271 |
| Noncurrent loans to loans | 2.2974% | 3,290 |
| Net loans and leases to total assets | 61.4169% | 5,121 |
| Net loans and leases to deposits | 75.4799% | 4,822 |
| Net loans and leases to core deposits | 91.7672% | 4,919 |
| Total domestic deposits to total assets | 81.3686% | 5,205 |
| Equity capital to assets | 9.9541% | 3,826 |
| Core capital (leverage) ratio | 10.1183% | 2,980 |
| Tier 1 risk-based capital ratio | 13.8471% | 3,603 |
| Total risk-based capital ratio | 15.0761% | 3,553 |
| Memoranda: | ||
| Average total assets | $2,834,413,000 | 262 |
| Average earning assets | $2,686,071,200 | 247 |
| Average equity | $292,743,800 | 259 |
| Average total loans | $1,859,206,600 | 284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 6,017 |
| Cost of funding earning assets | 0.9661% | 7,455 |
| Net interest margin | 4.2025% | 2,056 |
| Noninterest income to average assets | 0.7907% | 2,479 |
| Noninterest expense to average assets | 3.4293% | 2,482 |
| Loan and lease loss provision to assets | 0.8506% | 2,252 |
| Net operating income to assets | 0.5100% | 3,940 |
| Return on assets (ROA) | 0.5871% | 3,712 |
| Pretax return on assets | 0.5713% | 4,295 |
| Return on Equity (ROE) | 5.6308% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.4963% | 3,927 |
| Net charge-offs to loans | 1.5250% | 1,336 |
| Credit loss provision to net charge-offs | 83.9160% | 5,654 |
| Earnings coverage of net charge-offs (x) | 1.3267% | 4,793 |
| Efficiency ratio | 71.8321% | 4,273 |
| Assets per employee ($millions) | 4.5956% | 2,701 |
| Cash dividends to net income (ytd only)* | 55.6679% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,080 |
| Loan loss allowance to noncurrent loans | 55.2888% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.6287% | 3,917 |
| Noncurrent loans to loans | 2.4895% | 3,028 |
| Net loans and leases to total assets | 64.5203% | 4,745 |
| Net loans and leases to deposits | 79.5252% | 4,474 |
| Net loans and leases to core deposits | 98.0581% | 4,591 |
| Total domestic deposits to total assets | 81.1319% | 5,025 |
| Equity capital to assets | 10.6970% | 3,287 |
| Core capital (leverage) ratio | 10.3243% | 2,951 |
| Tier 1 risk-based capital ratio | 13.8961% | 3,611 |
| Total risk-based capital ratio | 15.1438% | 3,553 |
| Memoranda: | ||
| Average total assets | $2,806,780,750 | 276 |
| Average earning assets | $2,660,397,000 | 262 |
| Average equity | $292,644,500 | 265 |
| Average total loans | $1,865,552,500 | 295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 6,197 |
| Cost of funding earning assets | 1.0142% | 7,523 |
| Net interest margin | 4.1545% | 2,144 |
| Noninterest income to average assets | 0.7541% | 2,680 |
| Noninterest expense to average assets | 3.4063% | 2,607 |
| Loan and lease loss provision to assets | 0.7378% | 2,221 |
| Net operating income to assets | 0.5856% | 3,738 |
| Return on assets (ROA) | 0.6103% | 3,743 |
| Pretax return on assets | 0.5725% | 4,398 |
| Return on Equity (ROE) | 5.9050% | 3,697 |
| Retained earnings to average equity (ytd only) | 2.2887% | 4,062 |
| Net charge-offs to loans | 1.8584% | 1,013 |
| Credit loss provision to net charge-offs | 59.4156% | 5,602 |
| Earnings coverage of net charge-offs (x) | 1.0353% | 4,752 |
| Efficiency ratio | 72.5998% | 4,280 |
| Assets per employee ($millions) | 4.4292% | 2,884 |
| Cash dividends to net income (ytd only)* | 61.2405% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,168 |
| Loan loss allowance to noncurrent loans | 49.0770% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 3,807 |
| Noncurrent loans to loans | 2.3727% | 3,047 |
| Net loans and leases to total assets | 66.9210% | 4,375 |
| Net loans and leases to deposits | 82.3818% | 4,161 |
| Net loans and leases to core deposits | 102.9790% | 4,180 |
| Total domestic deposits to total assets | 81.2327% | 4,983 |
| Equity capital to assets | 10.5027% | 3,398 |
| Core capital (leverage) ratio | 10.5133% | 2,800 |
| Tier 1 risk-based capital ratio | 13.8123% | 3,621 |
| Total risk-based capital ratio | 14.8912% | 3,658 |
| Memoranda: | ||
| Average total assets | $2,800,267,330 | 282 |
| Average earning assets | $2,654,250,670 | 268 |
| Average equity | $289,415,670 | 271 |
| Average total loans | $1,871,070,000 | 299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1522% | 6,481 |
| Cost of funding earning assets | 1.0704% | 7,563 |
| Net interest margin | 4.0818% | 2,351 |
| Noninterest income to average assets | 0.7724% | 2,470 |
| Noninterest expense to average assets | 3.4190% | 2,304 |
| Loan and lease loss provision to assets | 0.5904% | 2,134 |
| Net operating income to assets | 0.6823% | 3,648 |
| Return on assets (ROA) | 0.7266% | 3,630 |
| Pretax return on assets | 0.6738% | 4,514 |
| Return on Equity (ROE) | 7.0870% | 3,560 |
| Retained earnings to average equity (ytd only) | 2.1208% | 4,686 |
| Net charge-offs to loans | 2.6847% | 495 |
| Credit loss provision to net charge-offs | 33.1314% | 4,914 |
| Earnings coverage of net charge-offs (x) | 0.6845% | 4,461 |
| Efficiency ratio | 73.7026% | 3,873 |
| Assets per employee ($millions) | 4.4491% | 2,805 |
| Cash dividends to net income (ytd only)* | 70.0743% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,420 |
| Loan loss allowance to noncurrent loans | 53.8159% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.5302% | 3,640 |
| Noncurrent loans to loans | 2.0565% | 3,186 |
| Net loans and leases to total assets | 66.2766% | 4,519 |
| Net loans and leases to deposits | 83.6681% | 4,032 |
| Net loans and leases to core deposits | 105.1876% | 4,006 |
| Total domestic deposits to total assets | 79.2136% | 5,637 |
| Equity capital to assets | 10.4592% | 3,501 |
| Core capital (leverage) ratio | 10.2988% | 3,109 |
| Tier 1 risk-based capital ratio | 13.6418% | 3,775 |
| Total risk-based capital ratio | 14.6587% | 3,837 |
| Memoranda: | ||
| Average total assets | $2,816,283,500 | 283 |
| Average earning assets | $2,667,769,000 | 269 |
| Average equity | $288,753,500 | 273 |
| Average total loans | $1,869,426,500 | 299 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7281% | 6,685 |
| Cost of funding earning assets | 1.6331% | 7,376 |
| Net interest margin | 4.0950% | 2,733 |
| Noninterest income to average assets | 0.8769% | 2,072 |
| Noninterest expense to average assets | 3.3771% | 2,745 |
| Loan and lease loss provision to assets | 0.8935% | 1,670 |
| Net operating income to assets | 0.5058% | 4,702 |
| Return on assets (ROA) | 0.4762% | 4,664 |
| Pretax return on assets | 0.4387% | 5,160 |
| Return on Equity (ROE) | 4.6463% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.2944% | 3,778 |
| Net charge-offs to loans | 1.2524% | 956 |
| Credit loss provision to net charge-offs | 105.3074% | 5,083 |
| Earnings coverage of net charge-offs (x) | 1.6050% | 5,289 |
| Efficiency ratio | 71.2629% | 4,075 |
| Assets per employee ($millions) | 4.2831% | 2,985 |
| Cash dividends to net income (ytd only)* | 50.6184% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 2,539 |
| Loan loss allowance to noncurrent loans | 60.0283% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.6766% | 2,901 |
| Noncurrent loans to loans | 2.5495% | 2,135 |
| Net loans and leases to total assets | 64.7575% | 5,116 |
| Net loans and leases to deposits | 83.8843% | 4,438 |
| Net loans and leases to core deposits | 101.3843% | 4,684 |
| Total domestic deposits to total assets | 77.1986% | 5,942 |
| Equity capital to assets | 10.0545% | 3,967 |
| Core capital (leverage) ratio | 10.4679% | 3,001 |
| Tier 1 risk-based capital ratio | 13.3522% | 3,897 |
| Total risk-based capital ratio | 14.6043% | 3,805 |
| Memoranda: | ||
| Average total assets | $2,733,540,600 | 277 |
| Average earning assets | $2,578,025,400 | 266 |
| Average equity | $280,156,000 | 278 |
| Average total loans | $1,851,932,400 | 293 |