Home > Rockland Trust Company > Performance and Condition Ratios
Rockland Trust Company, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,581 |
| Cost of funding earning assets | 0.8255% | 3,143 |
| Net interest margin | 3.7015% | 1,807 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.0008% | 3,599 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3085% | 1,548 |
| Return on assets (ROA) | 1.3136% | 1,518 |
| Pretax return on assets | 1.7425% | 1,127 |
| Return on Equity (ROE) | 8.8900% | 3,012 |
| Retained earnings to average equity (ytd only) | 0.3553% | 4,012 |
| Net charge-offs to loans | 0.3430% | 245 |
| Credit loss provision to net charge-offs | 50.9949% | 1,664 |
| Earnings coverage of net charge-offs (x) | 7.5218% | 2,084 |
| Efficiency ratio | 50.8206% | 3,862 |
| Assets per employee ($millions) | 11.3351% | 461 |
| Cash dividends to net income (ytd only)* | 96.0050% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,449 |
| Loan loss allowance to noncurrent loans | 307.7480% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,009 |
| Noncurrent loans to loans | 0.3231% | 1,977 |
| Net loans and leases to total assets | 72.1700% | 1,511 |
| Net loans and leases to deposits | 91.1146% | 1,097 |
| Net loans and leases to core deposits | 94.5740% | 1,544 |
| Total domestic deposits to total assets | 79.2100% | 3,691 |
| Equity capital to assets | 14.7758% | 546 |
| Core capital (leverage) ratio | 10.9161% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0687% | 1,557 |
| Memoranda: | ||
| Average total assets | $19,382,554,667 | 95 |
| Average earning assets | $17,154,439,667 | 96 |
| Average equity | $2,863,171,333 | 73 |
| Average total loans | $14,009,016,000 | 91 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 2,591 |
| Cost of funding earning assets | 0.6137% | 3,338 |
| Net interest margin | 3.7725% | 1,746 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.0314% | 3,556 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.2887% | 1,702 |
| Return on assets (ROA) | 1.2947% | 1,663 |
| Pretax return on assets | 1.7285% | 1,219 |
| Return on Equity (ROE) | 8.7700% | 3,112 |
| Retained earnings to average equity (ytd only) | -0.5124% | 4,086 |
| Net charge-offs to loans | 0.0154% | 1,390 |
| Credit loss provision to net charge-offs | 1,347.5836% | 298 |
| Earnings coverage of net charge-offs (x) | 168.8457% | 569 |
| Efficiency ratio | 51.0322% | 3,850 |
| Assets per employee ($millions) | 11.6437% | 436 |
| Cash dividends to net income (ytd only)* | 105.8453% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,851 |
| Loan loss allowance to noncurrent loans | 282.9750% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 1,713 |
| Noncurrent loans to loans | 0.4031% | 1,723 |
| Net loans and leases to total assets | 70.9200% | 1,533 |
| Net loans and leases to deposits | 89.7473% | 1,073 |
| Net loans and leases to core deposits | 92.4116% | 1,483 |
| Total domestic deposits to total assets | 79.0200% | 3,897 |
| Equity capital to assets | 14.7784% | 503 |
| Core capital (leverage) ratio | 11.0112% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1870% | 1,577 |
| Memoranda: | ||
| Average total assets | $19,371,008,000 | 98 |
| Average earning assets | $17,153,976,000 | 100 |
| Average equity | $2,861,086,500 | 73 |
| Average total loans | $13,940,280,000 | 94 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 2,632 |
| Cost of funding earning assets | 0.1411% | 4,169 |
| Net interest margin | 3.5220% | 1,862 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 1.8605% | 3,907 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3597% | 1,246 |
| Return on assets (ROA) | 1.3475% | 1,246 |
| Pretax return on assets | 1.7778% | 774 |
| Return on Equity (ROE) | 9.3200% | 3,026 |
| Retained earnings to average equity (ytd only) | 2.0534% | 3,966 |
| Net charge-offs to loans | 0.0073% | 2,131 |
| Credit loss provision to net charge-offs | 648.0558% | 570 |
| Earnings coverage of net charge-offs (x) | 362.2702% | 421 |
| Efficiency ratio | 49.4414% | 4,160 |
| Assets per employee ($millions) | 11.5828% | 441 |
| Cash dividends to net income (ytd only)* | 77.9643% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 2,924 |
| Loan loss allowance to noncurrent loans | 277.7264% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 1,721 |
| Noncurrent loans to loans | 0.3939% | 1,738 |
| Net loans and leases to total assets | 71.4100% | 1,480 |
| Net loans and leases to deposits | 85.8413% | 1,326 |
| Net loans and leases to core deposits | 87.7339% | 1,629 |
| Total domestic deposits to total assets | 83.1800% | 3,379 |
| Equity capital to assets | 14.7614% | 494 |
| Core capital (leverage) ratio | 10.7844% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0671% | 1,612 |
| Memoranda: | ||
| Average total assets | $19,912,089,600 | 100 |
| Average earning assets | $17,699,114,400 | 101 |
| Average equity | $2,879,398,400 | 77 |
| Average total loans | $13,702,637,200 | 95 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 2,768 |
| Cost of funding earning assets | 0.0794% | 4,422 |
| Net interest margin | 3.3732% | 2,061 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.8337% | 3,914 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2768% | 1,434 |
| Return on assets (ROA) | 1.2620% | 1,451 |
| Pretax return on assets | 1.6698% | 961 |
| Return on Equity (ROE) | 8.7700% | 3,096 |
| Retained earnings to average equity (ytd only) | 2.1790% | 3,985 |
| Net charge-offs to loans | 0.0060% | 1,946 |
| Credit loss provision to net charge-offs | 164.2036% | 1,082 |
| Earnings coverage of net charge-offs (x) | 418.5895% | 367 |
| Efficiency ratio | 50.8890% | 4,105 |
| Assets per employee ($millions) | 11.7784% | 412 |
| Cash dividends to net income (ytd only)* | 75.1564% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,121 |
| Loan loss allowance to noncurrent loans | 262.9791% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 1,813 |
| Noncurrent loans to loans | 0.4087% | 1,795 |
| Net loans and leases to total assets | 68.8000% | 1,583 |
| Net loans and leases to deposits | 82.3259% | 1,419 |
| Net loans and leases to core deposits | 83.9961% | 1,652 |
| Total domestic deposits to total assets | 83.5800% | 3,588 |
| Equity capital to assets | 14.3089% | 535 |
| Core capital (leverage) ratio | 10.5246% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9543% | 1,724 |
| Memoranda: | ||
| Average total assets | $20,065,866,500 | 101 |
| Average earning assets | $17,852,535,500 | 103 |
| Average equity | $2,887,119,750 | 78 |
| Average total loans | $13,645,427,000 | 95 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2378% | 2,931 |
| Cost of funding earning assets | 0.0498% | 4,599 |
| Net interest margin | 3.1880% | 2,230 |
| Noninterest income to average assets | 0.5126% | 2,131 |
| Noninterest expense to average assets | 1.8247% | 3,893 |
| Loan and lease loss provision to assets | -0.0223% | 4,438 |
| Net operating income to assets | 1.1705% | 1,533 |
| Return on assets (ROA) | 1.1543% | 1,570 |
| Pretax return on assets | 1.5293% | 1,102 |
| Return on Equity (ROE) | 8.0079% | 3,015 |
| Retained earnings to average equity (ytd only) | 2.6321% | 3,566 |
| Net charge-offs to loans | 0.0089% | 1,655 |
| Credit loss provision to net charge-offs | -331.6750% | 3,298 |
| Earnings coverage of net charge-offs (x) | 255.6899% | 464 |
| Efficiency ratio | 53.2771% | 4,026 |
| Assets per employee ($millions) | 12.0809% | 372 |
| Cash dividends to net income (ytd only)* | 67.1313% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,346 |
| Loan loss allowance to noncurrent loans | 258.1043% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 1,910 |
| Noncurrent loans to loans | 0.4088% | 1,897 |
| Net loans and leases to total assets | 67.7309% | 1,500 |
| Net loans and leases to deposits | 80.7075% | 1,334 |
| Net loans and leases to core deposits | 82.5364% | 1,555 |
| Total domestic deposits to total assets | 83.9214% | 3,702 |
| Equity capital to assets | 14.4097% | 474 |
| Core capital (leverage) ratio | 10.4601% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9070% | 1,731 |
| Memoranda: | ||
| Average total assets | $20,186,052,333 | 100 |
| Average earning assets | $17,980,400,333 | 103 |
| Average equity | $2,909,624,667 | 78 |
| Average total loans | $13,625,419,333 | 91 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1351% | 2,866 |
| Cost of funding earning assets | 0.0495% | 4,607 |
| Net interest margin | 3.0856% | 2,221 |
| Noninterest income to average assets | 0.4918% | 2,187 |
| Noninterest expense to average assets | 1.8689% | 3,757 |
| Loan and lease loss provision to assets | -0.0394% | 4,496 |
| Net operating income to assets | 1.0700% | 1,624 |
| Return on assets (ROA) | 1.0602% | 1,647 |
| Pretax return on assets | 1.4026% | 1,245 |
| Return on Equity (ROE) | 7.3545% | 2,925 |
| Retained earnings to average equity (ytd only) | 3.9301% | 2,955 |
| Net charge-offs to loans | 0.0119% | 1,329 |
| Credit loss provision to net charge-offs | -495.0495% | 3,131 |
| Earnings coverage of net charge-offs (x) | 172.6955% | 476 |
| Efficiency ratio | 56.3867% | 3,842 |
| Assets per employee ($millions) | 12.6447% | 335 |
| Cash dividends to net income (ytd only)* | 46.5617% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,475 |
| Loan loss allowance to noncurrent loans | 255.2375% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 2,003 |
| Noncurrent loans to loans | 0.4168% | 1,998 |
| Net loans and leases to total assets | 66.6890% | 1,342 |
| Net loans and leases to deposits | 79.2447% | 1,197 |
| Net loans and leases to core deposits | 81.1620% | 1,409 |
| Total domestic deposits to total assets | 84.1558% | 3,738 |
| Equity capital to assets | 14.3849% | 467 |
| Core capital (leverage) ratio | 10.2762% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9409% | 1,822 |
| Memoranda: | ||
| Average total assets | $20,288,212,000 | 100 |
| Average earning assets | $18,099,488,500 | 104 |
| Average equity | $2,924,787,000 | 78 |
| Average total loans | $13,599,068,000 | 92 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 3,673 |
| Cost of funding earning assets | 0.0681% | 4,599 |
| Net interest margin | 3.0388% | 3,079 |
| Noninterest income to average assets | 0.6571% | 1,916 |
| Noninterest expense to average assets | 2.1847% | 3,135 |
| Loan and lease loss provision to assets | 0.1203% | 1,030 |
| Net operating income to assets | 0.8129% | 3,295 |
| Return on assets (ROA) | 0.8158% | 3,354 |
| Pretax return on assets | 1.0583% | 3,112 |
| Return on Equity (ROE) | 6.1187% | 3,752 |
| Retained earnings to average equity (ytd only) | 2.2942% | 3,887 |
| Net charge-offs to loans | 0.0121% | 2,110 |
| Credit loss provision to net charge-offs | 1,498.3539% | 390 |
| Earnings coverage of net charge-offs (x) | 147.2444% | 669 |
| Efficiency ratio | 63.9106% | 2,581 |
| Assets per employee ($millions) | 12.7311% | 337 |
| Cash dividends to net income (ytd only)* | 62.5057% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,447 |
| Loan loss allowance to noncurrent loans | 528.1165% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 2,988 |
| Noncurrent loans to loans | 0.2044% | 2,935 |
| Net loans and leases to total assets | 65.9382% | 1,474 |
| Net loans and leases to deposits | 78.6004% | 1,341 |
| Net loans and leases to core deposits | 80.7684% | 1,537 |
| Total domestic deposits to total assets | 83.8904% | 3,594 |
| Equity capital to assets | 14.4471% | 587 |
| Core capital (leverage) ratio | 11.6229% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7709% | 1,940 |
| Memoranda: | ||
| Average total assets | $15,226,144,600 | 123 |
| Average earning assets | $13,541,629,200 | 124 |
| Average equity | $2,030,008,800 | 110 |
| Average total loans | $10,031,474,600 | 120 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1588% | 3,682 |
| Cost of funding earning assets | 0.0744% | 4,668 |
| Net interest margin | 3.0844% | 3,093 |
| Noninterest income to average assets | 0.6938% | 1,843 |
| Noninterest expense to average assets | 2.0632% | 3,478 |
| Loan and lease loss provision to assets | -0.1664% | 4,706 |
| Net operating income to assets | 1.1622% | 2,316 |
| Return on assets (ROA) | 1.1675% | 2,350 |
| Pretax return on assets | 1.5431% | 1,869 |
| Return on Equity (ROE) | 9.0336% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.1526% | 2,761 |
| Net charge-offs to loans | 0.0532% | 1,123 |
| Credit loss provision to net charge-offs | -479.9781% | 3,638 |
| Earnings coverage of net charge-offs (x) | 39.2521% | 1,379 |
| Efficiency ratio | 58.9694% | 3,126 |
| Assets per employee ($millions) | 10.8883% | 490 |
| Cash dividends to net income (ytd only)* | 31.8915% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,694 |
| Loan loss allowance to noncurrent loans | 201.3665% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 2,194 |
| Noncurrent loans to loans | 0.5181% | 2,006 |
| Net loans and leases to total assets | 60.1910% | 2,233 |
| Net loans and leases to deposits | 70.9221% | 2,153 |
| Net loans and leases to core deposits | 71.7661% | 2,446 |
| Total domestic deposits to total assets | 84.8691% | 3,161 |
| Equity capital to assets | 12.5453% | 1,154 |
| Core capital (leverage) ratio | 9.4042% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2975% | 1,861 |
| Memoranda: | ||
| Average total assets | $13,927,507,250 | 131 |
| Average earning assets | $12,369,785,500 | 133 |
| Average equity | $1,799,961,250 | 124 |
| Average total loans | $9,136,352,000 | 130 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 3,535 |
| Cost of funding earning assets | 0.0839% | 4,677 |
| Net interest margin | 3.1777% | 2,817 |
| Noninterest income to average assets | 0.6907% | 1,846 |
| Noninterest expense to average assets | 2.0883% | 3,420 |
| Loan and lease loss provision to assets | -0.1087% | 4,639 |
| Net operating income to assets | 1.1714% | 2,294 |
| Return on assets (ROA) | 1.1814% | 2,324 |
| Pretax return on assets | 1.5438% | 1,891 |
| Return on Equity (ROE) | 9.0475% | 3,085 |
| Retained earnings to average equity (ytd only) | 8.4879% | 1,899 |
| Net charge-offs to loans | 0.0766% | 891 |
| Credit loss provision to net charge-offs | -212.1641% | 3,222 |
| Earnings coverage of net charge-offs (x) | 27.6156% | 1,358 |
| Efficiency ratio | 58.3492% | 3,237 |
| Assets per employee ($millions) | 10.4141% | 538 |
| Cash dividends to net income (ytd only)* | 6.1860% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,237 |
| Loan loss allowance to noncurrent loans | 214.0554% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 2,245 |
| Noncurrent loans to loans | 0.5334% | 2,072 |
| Net loans and leases to total assets | 62.4345% | 2,126 |
| Net loans and leases to deposits | 73.5339% | 2,043 |
| Net loans and leases to core deposits | 74.4683% | 2,367 |
| Total domestic deposits to total assets | 84.9058% | 3,135 |
| Equity capital to assets | 12.8711% | 989 |
| Core capital (leverage) ratio | 9.5878% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3914% | 1,836 |
| Memoranda: | ||
| Average total assets | $13,724,696,667 | 131 |
| Average earning assets | $12,180,460,667 | 132 |
| Average equity | $1,792,089,667 | 123 |
| Average total loans | $9,234,614,000 | 129 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 3,269 |
| Cost of funding earning assets | 0.0971% | 4,666 |
| Net interest margin | 3.2785% | 2,449 |
| Noninterest income to average assets | 0.7105% | 1,846 |
| Noninterest expense to average assets | 2.0754% | 3,491 |
| Loan and lease loss provision to assets | -0.0783% | 4,694 |
| Net operating income to assets | 1.2617% | 1,939 |
| Return on assets (ROA) | 1.2691% | 2,000 |
| Pretax return on assets | 1.6247% | 1,664 |
| Return on Equity (ROE) | 9.6470% | 2,805 |
| Retained earnings to average equity (ytd only) | 9.6470% | 1,755 |
| Net charge-offs to loans | 0.1427% | 530 |
| Credit loss provision to net charge-offs | -74.7831% | 2,796 |
| Earnings coverage of net charge-offs (x) | 15.5067% | 1,342 |
| Efficiency ratio | 56.2906% | 3,514 |
| Assets per employee ($millions) | 10.2048% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 3,154 |
| Loan loss allowance to noncurrent loans | 181.6675% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 2,111 |
| Noncurrent loans to loans | 0.6374% | 1,982 |
| Net loans and leases to total assets | 66.6409% | 1,709 |
| Net loans and leases to deposits | 78.6158% | 1,656 |
| Net loans and leases to core deposits | 79.7885% | 2,023 |
| Total domestic deposits to total assets | 84.7678% | 3,199 |
| Equity capital to assets | 12.9917% | 914 |
| Core capital (leverage) ratio | 9.7333% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2033% | 1,843 |
| Memoranda: | ||
| Average total assets | $13,489,857,000 | 132 |
| Average earning assets | $11,940,981,000 | 134 |
| Average equity | $1,774,646,500 | 124 |
| Average total loans | $9,369,646,500 | 127 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 3,610 |
| Cost of funding earning assets | 0.2620% | 4,330 |
| Net interest margin | 3.4242% | 2,695 |
| Noninterest income to average assets | 0.8369% | 1,433 |
| Noninterest expense to average assets | 2.1741% | 3,744 |
| Loan and lease loss provision to assets | 0.4182% | 722 |
| Net operating income to assets | 0.9919% | 2,324 |
| Return on assets (ROA) | 0.9962% | 2,445 |
| Pretax return on assets | 1.2604% | 2,119 |
| Return on Equity (ROE) | 7.1752% | 3,138 |
| Retained earnings to average equity (ytd only) | -2.3485% | 4,731 |
| Net charge-offs to loans | 0.0744% | 1,744 |
| Credit loss provision to net charge-offs | 764.4147% | 941 |
| Earnings coverage of net charge-offs (x) | 30.5818% | 1,592 |
| Efficiency ratio | 55.2393% | 4,072 |
| Assets per employee ($millions) | 9.6023% | 600 |
| Cash dividends to net income (ytd only)* | 132.7301% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,951 |
| Loan loss allowance to noncurrent loans | 169.5936% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 2,044 |
| Noncurrent loans to loans | 0.7075% | 1,927 |
| Net loans and leases to total assets | 70.7219% | 1,465 |
| Net loans and leases to deposits | 84.1606% | 1,441 |
| Net loans and leases to core deposits | 85.7233% | 1,892 |
| Total domestic deposits to total assets | 84.0321% | 3,098 |
| Equity capital to assets | 13.3262% | 988 |
| Core capital (leverage) ratio | 9.5428% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5398% | 2,037 |
| Memoranda: | ||
| Average total assets | $12,553,004,800 | 133 |
| Average earning assets | $11,035,885,400 | 136 |
| Average equity | $1,742,884,400 | 120 |
| Average total loans | $9,236,610,200 | 127 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 3,624 |
| Cost of funding earning assets | 0.3029% | 4,307 |
| Net interest margin | 3.4765% | 2,673 |
| Noninterest income to average assets | 0.8562% | 1,336 |
| Noninterest expense to average assets | 2.1431% | 3,840 |
| Loan and lease loss provision to assets | 0.5649% | 470 |
| Net operating income to assets | 0.9643% | 2,471 |
| Return on assets (ROA) | 0.9648% | 2,600 |
| Pretax return on assets | 1.2037% | 2,377 |
| Return on Equity (ROE) | 6.8752% | 3,245 |
| Retained earnings to average equity (ytd only) | -3.8452% | 4,809 |
| Net charge-offs to loans | 0.0673% | 1,647 |
| Credit loss provision to net charge-offs | 1,132.6861% | 769 |
| Earnings coverage of net charge-offs (x) | 35.4498% | 1,452 |
| Efficiency ratio | 53.4991% | 4,202 |
| Assets per employee ($millions) | 9.5723% | 584 |
| Cash dividends to net income (ytd only)* | 155.9292% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,546 |
| Loan loss allowance to noncurrent loans | 117.9546% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 1,561 |
| Noncurrent loans to loans | 1.0362% | 1,447 |
| Net loans and leases to total assets | 70.9952% | 1,817 |
| Net loans and leases to deposits | 85.3090% | 1,779 |
| Net loans and leases to core deposits | 87.4399% | 2,196 |
| Total domestic deposits to total assets | 83.2212% | 3,085 |
| Equity capital to assets | 13.1245% | 1,127 |
| Core capital (leverage) ratio | 9.3432% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0939% | 2,155 |
| Memoranda: | ||
| Average total assets | $12,390,449,250 | 133 |
| Average earning assets | $10,888,089,250 | 136 |
| Average equity | $1,738,732,000 | 118 |
| Average total loans | $9,183,020,250 | 128 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,517 |
| Cost of funding earning assets | 0.3547% | 4,249 |
| Net interest margin | 3.5798% | 2,547 |
| Noninterest income to average assets | 0.8557% | 1,273 |
| Noninterest expense to average assets | 2.1878% | 3,823 |
| Loan and lease loss provision to assets | 0.7418% | 350 |
| Net operating income to assets | 0.8939% | 2,710 |
| Return on assets (ROA) | 0.8904% | 2,847 |
| Pretax return on assets | 1.0649% | 2,819 |
| Return on Equity (ROE) | 6.1997% | 3,440 |
| Retained earnings to average equity (ytd only) | -7.9897% | 4,879 |
| Net charge-offs to loans | 0.0128% | 2,507 |
| Credit loss provision to net charge-offs | 7,705.4795% | 150 |
| Earnings coverage of net charge-offs (x) | 188.1164% | 475 |
| Efficiency ratio | 53.3711% | 4,246 |
| Assets per employee ($millions) | 9.3436% | 617 |
| Cash dividends to net income (ytd only)* | 228.8716% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,558 |
| Loan loss allowance to noncurrent loans | 229.8029% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 2,799 |
| Noncurrent loans to loans | 0.5190% | 2,604 |
| Net loans and leases to total assets | 71.3978% | 1,819 |
| Net loans and leases to deposits | 85.9528% | 1,770 |
| Net loans and leases to core deposits | 88.2669% | 2,216 |
| Total domestic deposits to total assets | 83.0663% | 3,069 |
| Equity capital to assets | 13.1412% | 1,104 |
| Core capital (leverage) ratio | 9.3801% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9368% | 2,205 |
| Memoranda: | ||
| Average total assets | $12,133,317,333 | 134 |
| Average earning assets | $10,652,786,333 | 138 |
| Average equity | $1,742,500,667 | 118 |
| Average total loans | $9,090,725,000 | 130 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,111 |
| Cost of funding earning assets | 0.4462% | 4,169 |
| Net interest margin | 3.7857% | 2,034 |
| Noninterest income to average assets | 0.8977% | 1,071 |
| Noninterest expense to average assets | 2.2637% | 3,850 |
| Loan and lease loss provision to assets | 0.8553% | 275 |
| Net operating income to assets | 0.9986% | 2,177 |
| Return on assets (ROA) | 0.9475% | 2,455 |
| Pretax return on assets | 1.0439% | 2,688 |
| Return on Equity (ROE) | 6.2995% | 3,204 |
| Retained earnings to average equity (ytd only) | -0.1704% | 4,022 |
| Net charge-offs to loans | 0.0172% | 2,030 |
| Credit loss provision to net charge-offs | 6,510.4167% | 117 |
| Earnings coverage of net charge-offs (x) | 148.8438% | 433 |
| Efficiency ratio | 52.1930% | 4,542 |
| Assets per employee ($millions) | 8.8790% | 552 |
| Cash dividends to net income (ytd only)* | 102.7045% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,541 |
| Loan loss allowance to noncurrent loans | 192.2898% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 2,847 |
| Noncurrent loans to loans | 0.5361% | 2,657 |
| Net loans and leases to total assets | 73.9804% | 1,607 |
| Net loans and leases to deposits | 93.3271% | 1,143 |
| Net loans and leases to core deposits | 97.4987% | 1,681 |
| Total domestic deposits to total assets | 79.2700% | 4,002 |
| Equity capital to assets | 14.8127% | 799 |
| Core capital (leverage) ratio | 11.0567% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9565% | 2,303 |
| Memoranda: | ||
| Average total assets | $11,692,167,000 | 133 |
| Average earning assets | $10,258,246,500 | 136 |
| Average equity | $1,758,550,000 | 118 |
| Average total loans | $8,933,566,000 | 129 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,930 |
| Cost of funding earning assets | 0.4881% | 4,141 |
| Net interest margin | 4.3496% | 984 |
| Noninterest income to average assets | 1.0440% | 872 |
| Noninterest expense to average assets | 2.7105% | 2,856 |
| Loan and lease loss provision to assets | 0.0573% | 2,889 |
| Net operating income to assets | 1.6322% | 771 |
| Return on assets (ROA) | 1.6330% | 817 |
| Pretax return on assets | 2.1599% | 413 |
| Return on Equity (ROE) | 11.3085% | 1,765 |
| Retained earnings to average equity (ytd only) | -0.7033% | 4,781 |
| Net charge-offs to loans | 0.0313% | 2,768 |
| Credit loss provision to net charge-offs | 235.0176% | 1,142 |
| Earnings coverage of net charge-offs (x) | 90.9346% | 727 |
| Efficiency ratio | 53.7803% | 4,444 |
| Assets per employee ($millions) | 8.4552% | 605 |
| Cash dividends to net income (ytd only)* | 106.2193% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 4,418 |
| Loan loss allowance to noncurrent loans | 140.9811% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 2,708 |
| Noncurrent loans to loans | 0.5395% | 2,561 |
| Net loans and leases to total assets | 77.5530% | 1,149 |
| Net loans and leases to deposits | 95.1386% | 1,034 |
| Net loans and leases to core deposits | 100.4236% | 1,527 |
| Total domestic deposits to total assets | 81.5158% | 3,638 |
| Equity capital to assets | 15.2799% | 732 |
| Core capital (leverage) ratio | 11.0647% | 2,445 |
| Tier 1 risk-based capital ratio | 13.2341% | 3,661 |
| Total risk-based capital ratio | 14.0010% | 3,811 |
| Memoranda: | ||
| Average total assets | $10,475,385,000 | 137 |
| Average earning assets | $9,350,857,400 | 139 |
| Average equity | $1,512,715,000 | 129 |
| Average total loans | $8,169,161,800 | 131 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 1,811 |
| Cost of funding earning assets | 0.4956% | 4,156 |
| Net interest margin | 4.4066% | 931 |
| Noninterest income to average assets | 1.0102% | 920 |
| Noninterest expense to average assets | 2.8187% | 2,519 |
| Loan and lease loss provision to assets | 0.0260% | 3,375 |
| Net operating income to assets | 1.5787% | 977 |
| Return on assets (ROA) | 1.5798% | 1,027 |
| Pretax return on assets | 2.1119% | 535 |
| Return on Equity (ROE) | 11.1195% | 1,972 |
| Retained earnings to average equity (ytd only) | 2.8474% | 3,954 |
| Net charge-offs to loans | -0.0108% | 4,400 |
| Credit loss provision to net charge-offs | -308.1664% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6853% | 4,194 |
| Assets per employee ($millions) | 8.6122% | 554 |
| Cash dividends to net income (ytd only)* | 74.3926% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 4,558 |
| Loan loss allowance to noncurrent loans | 146.4718% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 2,839 |
| Noncurrent loans to loans | 0.5095% | 2,767 |
| Net loans and leases to total assets | 77.1426% | 1,291 |
| Net loans and leases to deposits | 94.4788% | 1,181 |
| Net loans and leases to core deposits | 99.8875% | 1,659 |
| Total domestic deposits to total assets | 81.6507% | 3,574 |
| Equity capital to assets | 15.5138% | 725 |
| Core capital (leverage) ratio | 11.2927% | 2,385 |
| Tier 1 risk-based capital ratio | 13.7177% | 3,472 |
| Total risk-based capital ratio | 14.4740% | 3,637 |
| Memoranda: | ||
| Average total assets | $10,244,821,750 | 140 |
| Average earning assets | $9,172,030,750 | 139 |
| Average equity | $1,455,507,750 | 132 |
| Average total loans | $7,984,715,750 | 132 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 1,778 |
| Cost of funding earning assets | 0.4817% | 4,197 |
| Net interest margin | 4.4079% | 928 |
| Noninterest income to average assets | 0.9689% | 927 |
| Noninterest expense to average assets | 3.0395% | 1,886 |
| Loan and lease loss provision to assets | 0.0408% | 2,996 |
| Net operating income to assets | 1.4019% | 1,435 |
| Return on assets (ROA) | 1.4001% | 1,494 |
| Pretax return on assets | 1.8583% | 919 |
| Return on Equity (ROE) | 10.2233% | 2,282 |
| Retained earnings to average equity (ytd only) | 1.6333% | 4,234 |
| Net charge-offs to loans | 0.0087% | 2,828 |
| Credit loss provision to net charge-offs | 600.6006% | 522 |
| Earnings coverage of net charge-offs (x) | 280.1441% | 281 |
| Efficiency ratio | 60.3965% | 3,667 |
| Assets per employee ($millions) | 8.4431% | 572 |
| Cash dividends to net income (ytd only)* | 84.0236% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7269% | 4,653 |
| Loan loss allowance to noncurrent loans | 145.6296% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 2,845 |
| Noncurrent loans to loans | 0.4991% | 2,782 |
| Net loans and leases to total assets | 77.7095% | 1,275 |
| Net loans and leases to deposits | 95.9804% | 1,040 |
| Net loans and leases to core deposits | 100.9435% | 1,638 |
| Total domestic deposits to total assets | 80.9639% | 3,826 |
| Equity capital to assets | 15.2156% | 767 |
| Core capital (leverage) ratio | 11.0957% | 2,505 |
| Tier 1 risk-based capital ratio | 13.5121% | 3,577 |
| Total risk-based capital ratio | 14.2579% | 3,739 |
| Memoranda: | ||
| Average total assets | $9,812,994,000 | 146 |
| Average earning assets | $8,842,375,670 | 145 |
| Average equity | $1,343,897,330 | 136 |
| Average total loans | $7,656,475,330 | 136 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,684 |
| Cost of funding earning assets | 0.3814% | 4,568 |
| Net interest margin | 4.1721% | 1,368 |
| Noninterest income to average assets | 0.9094% | 1,023 |
| Noninterest expense to average assets | 2.5483% | 3,376 |
| Loan and lease loss provision to assets | 0.0448% | 2,746 |
| Net operating income to assets | 1.5933% | 911 |
| Return on assets (ROA) | 1.6255% | 881 |
| Pretax return on assets | 2.1517% | 486 |
| Return on Equity (ROE) | 12.7914% | 1,287 |
| Retained earnings to average equity (ytd only) | 2.2203% | 4,006 |
| Net charge-offs to loans | 0.0088% | 2,378 |
| Credit loss provision to net charge-offs | 653.5948% | 509 |
| Earnings coverage of net charge-offs (x) | 314.3399% | 260 |
| Efficiency ratio | 53.3352% | 4,595 |
| Assets per employee ($millions) | 7.6758% | 754 |
| Cash dividends to net income (ytd only)* | 82.6425% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,026 |
| Loan loss allowance to noncurrent loans | 150.3312% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 2,684 |
| Noncurrent loans to loans | 0.6206% | 2,467 |
| Net loans and leases to total assets | 76.8928% | 1,331 |
| Net loans and leases to deposits | 89.6089% | 1,673 |
| Net loans and leases to core deposits | 90.9921% | 2,401 |
| Total domestic deposits to total assets | 85.8093% | 2,358 |
| Equity capital to assets | 12.6915% | 1,631 |
| Core capital (leverage) ratio | 10.2568% | 3,323 |
| Tier 1 risk-based capital ratio | 12.6444% | 4,074 |
| Total risk-based capital ratio | 13.5990% | 4,137 |
| Memoranda: | ||
| Average total assets | $8,923,298,500 | 154 |
| Average earning assets | $8,116,239,000 | 152 |
| Average equity | $1,133,921,000 | 151 |
| Average total loans | $6,947,541,500 | 147 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 3,096 |
| Cost of funding earning assets | 0.2800% | 4,659 |
| Net interest margin | 4.0248% | 1,907 |
| Noninterest income to average assets | 1.0419% | 873 |
| Noninterest expense to average assets | 2.7191% | 2,964 |
| Loan and lease loss provision to assets | 0.0571% | 3,026 |
| Net operating income to assets | 1.5031% | 1,113 |
| Return on assets (ROA) | 1.4915% | 1,131 |
| Pretax return on assets | 1.9158% | 687 |
| Return on Equity (ROE) | 11.8988% | 1,750 |
| Retained earnings to average equity (ytd only) | 5.1034% | 2,712 |
| Net charge-offs to loans | 0.0172% | 3,108 |
| Credit loss provision to net charge-offs | 424.4444% | 788 |
| Earnings coverage of net charge-offs (x) | 147.6204% | 569 |
| Efficiency ratio | 57.1632% | 4,269 |
| Assets per employee ($millions) | 7.4500% | 816 |
| Cash dividends to net income (ytd only)* | 57.1097% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 4,045 |
| Loan loss allowance to noncurrent loans | 141.5584% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 2,541 |
| Noncurrent loans to loans | 0.6570% | 2,349 |
| Net loans and leases to total assets | 77.3775% | 1,378 |
| Net loans and leases to deposits | 91.3885% | 1,616 |
| Net loans and leases to core deposits | 92.7174% | 2,348 |
| Total domestic deposits to total assets | 84.6688% | 2,778 |
| Equity capital to assets | 12.7236% | 1,475 |
| Core capital (leverage) ratio | 10.4561% | 3,079 |
| Tier 1 risk-based capital ratio | 12.7063% | 4,010 |
| Total risk-based capital ratio | 13.6614% | 4,060 |
| Memoranda: | ||
| Average total assets | $8,355,298,000 | 158 |
| Average earning assets | $7,607,915,400 | 158 |
| Average equity | $1,047,313,400 | 155 |
| Average total loans | $6,533,131,400 | 150 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 3,171 |
| Cost of funding earning assets | 0.2626% | 4,715 |
| Net interest margin | 3.9790% | 2,016 |
| Noninterest income to average assets | 1.0343% | 896 |
| Noninterest expense to average assets | 2.6423% | 3,147 |
| Loan and lease loss provision to assets | 0.0579% | 2,822 |
| Net operating income to assets | 1.5235% | 1,140 |
| Return on assets (ROA) | 1.5222% | 1,141 |
| Pretax return on assets | 1.9570% | 707 |
| Return on Equity (ROE) | 12.1930% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.4247% | 2,421 |
| Net charge-offs to loans | 0.0204% | 2,730 |
| Credit loss provision to net charge-offs | 363.6826% | 869 |
| Earnings coverage of net charge-offs (x) | 126.6565% | 631 |
| Efficiency ratio | 56.1214% | 4,378 |
| Assets per employee ($millions) | 7.2507% | 855 |
| Cash dividends to net income (ytd only)* | 47.3083% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,957 |
| Loan loss allowance to noncurrent loans | 139.3026% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 2,561 |
| Noncurrent loans to loans | 0.6943% | 2,341 |
| Net loans and leases to total assets | 77.3123% | 1,446 |
| Net loans and leases to deposits | 91.9717% | 1,630 |
| Net loans and leases to core deposits | 93.2972% | 2,371 |
| Total domestic deposits to total assets | 84.0609% | 2,921 |
| Equity capital to assets | 12.5414% | 1,560 |
| Core capital (leverage) ratio | 10.2824% | 3,314 |
| Tier 1 risk-based capital ratio | 12.8075% | 4,017 |
| Total risk-based capital ratio | 13.7927% | 4,071 |
| Memoranda: | ||
| Average total assets | $8,231,486,750 | 159 |
| Average earning assets | $7,498,267,250 | 157 |
| Average equity | $1,027,613,750 | 157 |
| Average total loans | $6,438,258,000 | 151 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,262 |
| Cost of funding earning assets | 0.2466% | 4,761 |
| Net interest margin | 3.9073% | 2,178 |
| Noninterest income to average assets | 1.0109% | 935 |
| Noninterest expense to average assets | 2.6208% | 3,261 |
| Loan and lease loss provision to assets | 0.0611% | 2,681 |
| Net operating income to assets | 1.4805% | 1,199 |
| Return on assets (ROA) | 1.4722% | 1,219 |
| Pretax return on assets | 1.8768% | 821 |
| Return on Equity (ROE) | 11.8113% | 1,798 |
| Retained earnings to average equity (ytd only) | 6.1363% | 2,482 |
| Net charge-offs to loans | 0.0183% | 2,528 |
| Credit loss provision to net charge-offs | 426.6212% | 787 |
| Earnings coverage of net charge-offs (x) | 136.0529% | 561 |
| Efficiency ratio | 56.7170% | 4,390 |
| Assets per employee ($millions) | 7.1998% | 858 |
| Cash dividends to net income (ytd only)* | 48.0470% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,044 |
| Loan loss allowance to noncurrent loans | 132.7836% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,539 |
| Noncurrent loans to loans | 0.7260% | 2,298 |
| Net loans and leases to total assets | 76.6810% | 1,535 |
| Net loans and leases to deposits | 90.8775% | 1,725 |
| Net loans and leases to core deposits | 92.0709% | 2,394 |
| Total domestic deposits to total assets | 84.3784% | 2,925 |
| Equity capital to assets | 12.3368% | 1,642 |
| Core capital (leverage) ratio | 10.2340% | 3,310 |
| Tier 1 risk-based capital ratio | 12.5453% | 4,154 |
| Total risk-based capital ratio | 13.5233% | 4,201 |
| Memoranda: | ||
| Average total assets | $8,183,781,670 | 160 |
| Average earning assets | $7,452,862,330 | 157 |
| Average equity | $1,020,054,330 | 157 |
| Average total loans | $6,405,066,330 | 148 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,359 |
| Cost of funding earning assets | 0.2309% | 4,828 |
| Net interest margin | 3.8328% | 2,288 |
| Noninterest income to average assets | 0.9794% | 953 |
| Noninterest expense to average assets | 2.6686% | 3,136 |
| Loan and lease loss provision to assets | 0.0247% | 3,198 |
| Net operating income to assets | 1.4276% | 1,255 |
| Return on assets (ROA) | 1.4084% | 1,330 |
| Pretax return on assets | 1.7511% | 1,002 |
| Return on Equity (ROE) | 11.2396% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.9289% | 2,741 |
| Net charge-offs to loans | 0.0177% | 2,158 |
| Credit loss provision to net charge-offs | 177.9359% | 1,124 |
| Earnings coverage of net charge-offs (x) | 129.4662% | 503 |
| Efficiency ratio | 58.9624% | 4,224 |
| Assets per employee ($millions) | 6.8150% | 1,042 |
| Cash dividends to net income (ytd only)* | 47.2495% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,192 |
| Loan loss allowance to noncurrent loans | 127.5585% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 2,539 |
| Noncurrent loans to loans | 0.7495% | 2,336 |
| Net loans and leases to total assets | 77.9435% | 1,249 |
| Net loans and leases to deposits | 92.6577% | 1,372 |
| Net loans and leases to core deposits | 94.5177% | 2,096 |
| Total domestic deposits to total assets | 84.1199% | 3,276 |
| Equity capital to assets | 12.5886% | 1,434 |
| Core capital (leverage) ratio | 10.2312% | 3,263 |
| Tier 1 risk-based capital ratio | 12.4682% | 4,262 |
| Total risk-based capital ratio | 13.4358% | 4,340 |
| Memoranda: | ||
| Average total assets | $8,085,371,500 | 160 |
| Average earning assets | $7,360,081,000 | 157 |
| Average equity | $1,013,130,500 | 157 |
| Average total loans | $6,363,157,000 | 146 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 3,705 |
| Cost of funding earning assets | 0.2002% | 4,948 |
| Net interest margin | 3.7059% | 2,776 |
| Noninterest income to average assets | 1.0267% | 967 |
| Noninterest expense to average assets | 2.6059% | 3,425 |
| Loan and lease loss provision to assets | 0.0373% | 3,523 |
| Net operating income to assets | 1.1309% | 1,753 |
| Return on assets (ROA) | 1.1310% | 1,781 |
| Pretax return on assets | 1.7481% | 899 |
| Return on Equity (ROE) | 9.1957% | 2,213 |
| Retained earnings to average equity (ytd only) | 4.3761% | 2,532 |
| Net charge-offs to loans | 0.0625% | 2,582 |
| Credit loss provision to net charge-offs | 76.1683% | 2,998 |
| Earnings coverage of net charge-offs (x) | 36.5004% | 1,336 |
| Efficiency ratio | 58.4283% | 4,478 |
| Assets per employee ($millions) | 7.2937% | 848 |
| Cash dividends to net income (ytd only)* | 52.4113% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,192 |
| Loan loss allowance to noncurrent loans | 122.1656% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 2,465 |
| Noncurrent loans to loans | 0.7805% | 2,270 |
| Net loans and leases to total assets | 77.9530% | 1,295 |
| Net loans and leases to deposits | 92.9213% | 1,395 |
| Net loans and leases to core deposits | 94.7169% | 2,134 |
| Total domestic deposits to total assets | 83.8914% | 3,246 |
| Equity capital to assets | 12.4722% | 1,533 |
| Core capital (leverage) ratio | 9.9674% | 3,495 |
| Tier 1 risk-based capital ratio | 12.2222% | 4,382 |
| Total risk-based capital ratio | 13.1908% | 4,454 |
| Memoranda: | ||
| Average total assets | $7,918,649,000 | 154 |
| Average earning assets | $7,188,909,600 | 154 |
| Average equity | $973,926,200 | 151 |
| Average total loans | $6,201,651,400 | 141 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 3,811 |
| Cost of funding earning assets | 0.1933% | 5,028 |
| Net interest margin | 3.6630% | 2,903 |
| Noninterest income to average assets | 1.0174% | 995 |
| Noninterest expense to average assets | 2.6130% | 3,374 |
| Loan and lease loss provision to assets | 0.0279% | 3,572 |
| Net operating income to assets | 1.1324% | 1,946 |
| Return on assets (ROA) | 1.1326% | 2,005 |
| Pretax return on assets | 1.6999% | 1,127 |
| Return on Equity (ROE) | 9.2424% | 2,473 |
| Retained earnings to average equity (ytd only) | 4.3861% | 3,288 |
| Net charge-offs to loans | 0.0759% | 2,053 |
| Credit loss provision to net charge-offs | 47.0622% | 2,945 |
| Earnings coverage of net charge-offs (x) | 29.1147% | 1,587 |
| Efficiency ratio | 59.2731% | 4,320 |
| Assets per employee ($millions) | 7.2086% | 866 |
| Cash dividends to net income (ytd only)* | 52.5440% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,331 |
| Loan loss allowance to noncurrent loans | 118.7621% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 2,528 |
| Noncurrent loans to loans | 0.7986% | 2,359 |
| Net loans and leases to total assets | 77.4423% | 1,361 |
| Net loans and leases to deposits | 92.6572% | 1,470 |
| Net loans and leases to core deposits | 94.2797% | 2,249 |
| Total domestic deposits to total assets | 83.5794% | 3,265 |
| Equity capital to assets | 12.4015% | 1,718 |
| Core capital (leverage) ratio | 9.9925% | 3,573 |
| Tier 1 risk-based capital ratio | 12.1986% | 4,500 |
| Total risk-based capital ratio | 13.1601% | 4,570 |
| Memoranda: | ||
| Average total assets | $7,877,965,500 | 156 |
| Average earning assets | $7,147,182,250 | 155 |
| Average equity | $965,426,500 | 154 |
| Average total loans | $6,161,984,000 | 143 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 3,947 |
| Cost of funding earning assets | 0.1879% | 5,084 |
| Net interest margin | 3.5954% | 3,059 |
| Noninterest income to average assets | 1.0088% | 1,004 |
| Noninterest expense to average assets | 2.6195% | 3,372 |
| Loan and lease loss provision to assets | 0.0422% | 3,156 |
| Net operating income to assets | 1.0852% | 2,060 |
| Return on assets (ROA) | 1.0852% | 2,105 |
| Pretax return on assets | 1.6092% | 1,312 |
| Return on Equity (ROE) | 8.8923% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.9883% | 3,333 |
| Net charge-offs to loans | 0.1222% | 1,429 |
| Credit loss provision to net charge-offs | 44.1531% | 2,609 |
| Earnings coverage of net charge-offs (x) | 17.2778% | 1,932 |
| Efficiency ratio | 60.4199% | 4,258 |
| Assets per employee ($millions) | 6.9881% | 943 |
| Cash dividends to net income (ytd only)* | 55.1481% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,432 |
| Loan loss allowance to noncurrent loans | 114.8620% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 2,506 |
| Noncurrent loans to loans | 0.8247% | 2,339 |
| Net loans and leases to total assets | 77.5961% | 1,302 |
| Net loans and leases to deposits | 92.2933% | 1,454 |
| Net loans and leases to core deposits | 93.7149% | 2,180 |
| Total domestic deposits to total assets | 84.0756% | 3,165 |
| Equity capital to assets | 12.2851% | 1,739 |
| Core capital (leverage) ratio | 10.0756% | 3,435 |
| Tier 1 risk-based capital ratio | 12.0690% | 4,593 |
| Total risk-based capital ratio | 13.0332% | 4,662 |
| Memoranda: | ||
| Average total assets | $7,819,955,000 | 157 |
| Average earning assets | $7,094,998,670 | 156 |
| Average equity | $954,379,670 | 153 |
| Average total loans | $6,117,525,000 | 141 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 4,038 |
| Cost of funding earning assets | 0.1857% | 5,108 |
| Net interest margin | 3.5368% | 3,137 |
| Noninterest income to average assets | 0.9452% | 1,118 |
| Noninterest expense to average assets | 2.5368% | 3,701 |
| Loan and lease loss provision to assets | 0.0311% | 3,160 |
| Net operating income to assets | 1.1125% | 1,818 |
| Return on assets (ROA) | 1.1126% | 1,861 |
| Pretax return on assets | 1.5887% | 1,267 |
| Return on Equity (ROE) | 9.1476% | 2,342 |
| Retained earnings to average equity (ytd only) | 4.1801% | 3,368 |
| Net charge-offs to loans | -0.0101% | 4,426 |
| Credit loss provision to net charge-offs | -394.7368% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1333% | 4,436 |
| Assets per employee ($millions) | 7.2575% | 836 |
| Cash dividends to net income (ytd only)* | 54.3042% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,115 |
| Loan loss allowance to noncurrent loans | 113.2190% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 2,411 |
| Noncurrent loans to loans | 0.9071% | 2,222 |
| Net loans and leases to total assets | 77.6243% | 1,176 |
| Net loans and leases to deposits | 92.1452% | 1,315 |
| Net loans and leases to core deposits | 93.2735% | 2,036 |
| Total domestic deposits to total assets | 84.2412% | 3,378 |
| Equity capital to assets | 12.2130% | 1,702 |
| Core capital (leverage) ratio | 9.8833% | 3,644 |
| Tier 1 risk-based capital ratio | 12.0116% | 4,710 |
| Total risk-based capital ratio | 13.0512% | 4,758 |
| Memoranda: | ||
| Average total assets | $7,722,259,000 | 159 |
| Average earning assets | $7,011,848,500 | 157 |
| Average equity | $939,222,500 | 154 |
| Average total loans | $6,036,749,000 | 142 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,097 |
| Cost of funding earning assets | 0.1940% | 5,077 |
| Net interest margin | 3.5443% | 3,273 |
| Noninterest income to average assets | 1.1362% | 881 |
| Noninterest expense to average assets | 2.6690% | 3,454 |
| Loan and lease loss provision to assets | 0.0821% | 2,719 |
| Net operating income to assets | 1.0886% | 1,943 |
| Return on assets (ROA) | 1.0886% | 2,049 |
| Pretax return on assets | 1.5913% | 1,312 |
| Return on Equity (ROE) | 9.1554% | 2,343 |
| Retained earnings to average equity (ytd only) | 4.0965% | 2,993 |
| Net charge-offs to loans | 0.0058% | 4,056 |
| Credit loss provision to net charge-offs | 1,818.8623% | 242 |
| Earnings coverage of net charge-offs (x) | 370.9162% | 218 |
| Efficiency ratio | 60.6368% | 4,485 |
| Assets per employee ($millions) | 6.9882% | 930 |
| Cash dividends to net income (ytd only)* | 55.2564% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 4,166 |
| Loan loss allowance to noncurrent loans | 107.2429% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 2,356 |
| Noncurrent loans to loans | 0.9559% | 2,174 |
| Net loans and leases to total assets | 77.1173% | 1,343 |
| Net loans and leases to deposits | 92.0703% | 1,448 |
| Net loans and leases to core deposits | 93.3935% | 2,171 |
| Total domestic deposits to total assets | 83.7591% | 3,518 |
| Equity capital to assets | 12.1118% | 1,738 |
| Core capital (leverage) ratio | 9.7552% | 3,800 |
| Tier 1 risk-based capital ratio | 11.9754% | 4,742 |
| Total risk-based capital ratio | 13.0077% | 4,791 |
| Memoranda: | ||
| Average total assets | $7,403,728,000 | 156 |
| Average earning assets | $6,697,177,800 | 155 |
| Average equity | $880,319,800 | 158 |
| Average total loans | $5,720,584,400 | 140 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 4,118 |
| Cost of funding earning assets | 0.1978% | 5,092 |
| Net interest margin | 3.5413% | 3,313 |
| Noninterest income to average assets | 1.1184% | 916 |
| Noninterest expense to average assets | 2.6183% | 3,601 |
| Loan and lease loss provision to assets | 0.0378% | 3,486 |
| Net operating income to assets | 1.1036% | 1,982 |
| Return on assets (ROA) | 1.1036% | 2,087 |
| Pretax return on assets | 1.6638% | 1,211 |
| Return on Equity (ROE) | 9.3272% | 2,347 |
| Retained earnings to average equity (ytd only) | 4.1970% | 3,340 |
| Net charge-offs to loans | -0.0072% | 4,693 |
| Credit loss provision to net charge-offs | -680.3279% | 5,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7827% | 4,572 |
| Assets per employee ($millions) | 6.8930% | 929 |
| Cash dividends to net income (ytd only)* | 55.0023% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 4,342 |
| Loan loss allowance to noncurrent loans | 234.7733% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,991 |
| Noncurrent loans to loans | 0.4305% | 3,740 |
| Net loans and leases to total assets | 76.0205% | 1,519 |
| Net loans and leases to deposits | 90.2451% | 1,721 |
| Net loans and leases to core deposits | 91.7257% | 2,418 |
| Total domestic deposits to total assets | 84.2378% | 3,129 |
| Equity capital to assets | 11.7817% | 2,278 |
| Core capital (leverage) ratio | 9.5092% | 4,168 |
| Tier 1 risk-based capital ratio | 11.9044% | 4,846 |
| Total risk-based capital ratio | 12.9280% | 4,894 |
| Memoranda: | ||
| Average total assets | $7,327,666,750 | 159 |
| Average earning assets | $6,624,572,000 | 155 |
| Average equity | $867,005,500 | 161 |
| Average total loans | $5,649,294,500 | 142 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,222 |
| Cost of funding earning assets | 0.2016% | 5,118 |
| Net interest margin | 3.5199% | 3,411 |
| Noninterest income to average assets | 1.1167% | 900 |
| Noninterest expense to average assets | 2.6232% | 3,645 |
| Loan and lease loss provision to assets | 0.0309% | 3,508 |
| Net operating income to assets | 1.0800% | 2,041 |
| Return on assets (ROA) | 1.0798% | 2,170 |
| Pretax return on assets | 1.6436% | 1,242 |
| Return on Equity (ROE) | 9.1127% | 2,445 |
| Retained earnings to average equity (ytd only) | 3.9541% | 3,385 |
| Net charge-offs to loans | -0.0277% | 5,082 |
| Credit loss provision to net charge-offs | -144.7876% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1943% | 4,618 |
| Assets per employee ($millions) | 6.8229% | 937 |
| Cash dividends to net income (ytd only)* | 56.6086% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 4,430 |
| Loan loss allowance to noncurrent loans | 225.2409% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 4,006 |
| Noncurrent loans to loans | 0.4506% | 3,755 |
| Net loans and leases to total assets | 75.9043% | 1,505 |
| Net loans and leases to deposits | 90.1892% | 1,733 |
| Net loans and leases to core deposits | 91.6879% | 2,371 |
| Total domestic deposits to total assets | 84.1611% | 3,211 |
| Equity capital to assets | 11.7744% | 2,289 |
| Core capital (leverage) ratio | 9.6240% | 4,031 |
| Tier 1 risk-based capital ratio | 11.8353% | 4,949 |
| Total risk-based capital ratio | 12.8717% | 4,980 |
| Memoranda: | ||
| Average total assets | $7,270,343,330 | 160 |
| Average earning assets | $6,570,942,670 | 156 |
| Average equity | $861,478,670 | 159 |
| Average total loans | $5,612,570,330 | 143 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,296 |
| Cost of funding earning assets | 0.2105% | 5,100 |
| Net interest margin | 3.4965% | 3,491 |
| Noninterest income to average assets | 1.0739% | 939 |
| Noninterest expense to average assets | 2.6258% | 3,669 |
| Loan and lease loss provision to assets | 0.0292% | 3,268 |
| Net operating income to assets | 1.0723% | 2,009 |
| Return on assets (ROA) | 1.0712% | 2,125 |
| Pretax return on assets | 1.5810% | 1,346 |
| Return on Equity (ROE) | 9.0108% | 2,420 |
| Retained earnings to average equity (ytd only) | 3.8229% | 3,585 |
| Net charge-offs to loans | -0.0059% | 4,345 |
| Credit loss provision to net charge-offs | -640.2439% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1032% | 4,588 |
| Assets per employee ($millions) | 6.4631% | 1,128 |
| Cash dividends to net income (ytd only)* | 57.5750% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 4,555 |
| Loan loss allowance to noncurrent loans | 221.3193% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 4,071 |
| Noncurrent loans to loans | 0.4556% | 3,813 |
| Net loans and leases to total assets | 77.0894% | 1,236 |
| Net loans and leases to deposits | 91.7954% | 1,375 |
| Net loans and leases to core deposits | 93.4287% | 2,055 |
| Total domestic deposits to total assets | 83.9796% | 3,530 |
| Equity capital to assets | 11.9889% | 2,036 |
| Core capital (leverage) ratio | 9.5563% | 4,096 |
| Tier 1 risk-based capital ratio | 11.9389% | 4,946 |
| Total risk-based capital ratio | 12.9704% | 5,002 |
| Memoranda: | ||
| Average total assets | $7,197,256,500 | 161 |
| Average earning assets | $6,512,178,000 | 157 |
| Average equity | $855,591,500 | 158 |
| Average total loans | $5,575,265,500 | 142 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 3,993 |
| Cost of funding earning assets | 0.2389% | 4,908 |
| Net interest margin | 3.5774% | 3,218 |
| Noninterest income to average assets | 1.0476% | 1,075 |
| Noninterest expense to average assets | 2.8271% | 3,119 |
| Loan and lease loss provision to assets | 0.0216% | 3,954 |
| Net operating income to assets | 0.9849% | 2,446 |
| Return on assets (ROA) | 0.9816% | 2,537 |
| Pretax return on assets | 1.4057% | 1,880 |
| Return on Equity (ROE) | 8.4712% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.7476% | 3,379 |
| Net charge-offs to loans | 0.0144% | 4,007 |
| Credit loss provision to net charge-offs | 193.5484% | 1,432 |
| Earnings coverage of net charge-offs (x) | 128.6077% | 472 |
| Efficiency ratio | 65.4906% | 3,987 |
| Assets per employee ($millions) | 6.8578% | 937 |
| Cash dividends to net income (ytd only)* | 55.7608% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 4,574 |
| Loan loss allowance to noncurrent loans | 201.6071% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 3,941 |
| Noncurrent loans to loans | 0.4986% | 3,695 |
| Net loans and leases to total assets | 76.2795% | 1,368 |
| Net loans and leases to deposits | 91.2218% | 1,483 |
| Net loans and leases to core deposits | 92.9863% | 2,133 |
| Total domestic deposits to total assets | 83.6199% | 3,626 |
| Equity capital to assets | 11.7868% | 2,120 |
| Core capital (leverage) ratio | 9.4206% | 4,289 |
| Tier 1 risk-based capital ratio | 11.8208% | 5,056 |
| Total risk-based capital ratio | 12.8440% | 5,104 |
| Memoranda: | ||
| Average total assets | $6,960,361,000 | 153 |
| Average earning assets | $6,248,339,400 | 152 |
| Average equity | $806,547,600 | 156 |
| Average total loans | $5,377,812,800 | 138 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 3,972 |
| Cost of funding earning assets | 0.2449% | 4,935 |
| Net interest margin | 3.5921% | 3,194 |
| Noninterest income to average assets | 1.0314% | 1,119 |
| Noninterest expense to average assets | 2.8946% | 2,867 |
| Loan and lease loss provision to assets | 0.0193% | 3,890 |
| Net operating income to assets | 0.9463% | 2,727 |
| Return on assets (ROA) | 0.9423% | 2,852 |
| Pretax return on assets | 1.3281% | 2,291 |
| Return on Equity (ROE) | 8.1684% | 2,983 |
| Retained earnings to average equity (ytd only) | 3.5120% | 3,969 |
| Net charge-offs to loans | 0.0224% | 3,489 |
| Credit loss provision to net charge-offs | 111.7318% | 2,093 |
| Earnings coverage of net charge-offs (x) | 78.2237% | 757 |
| Efficiency ratio | 67.2518% | 3,668 |
| Assets per employee ($millions) | 6.7142% | 978 |
| Cash dividends to net income (ytd only)* | 57.0045% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 4,734 |
| Loan loss allowance to noncurrent loans | 186.7179% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 3,990 |
| Noncurrent loans to loans | 0.5366% | 3,737 |
| Net loans and leases to total assets | 76.4942% | 1,317 |
| Net loans and leases to deposits | 91.7557% | 1,438 |
| Net loans and leases to core deposits | 93.6804% | 2,105 |
| Total domestic deposits to total assets | 83.3672% | 3,670 |
| Equity capital to assets | 11.8047% | 2,259 |
| Core capital (leverage) ratio | 9.3628% | 4,496 |
| Tier 1 risk-based capital ratio | 11.7786% | 5,220 |
| Total risk-based capital ratio | 12.7963% | 5,272 |
| Memoranda: | ||
| Average total assets | $6,898,563,500 | 154 |
| Average earning assets | $6,176,936,750 | 155 |
| Average equity | $795,798,750 | 159 |
| Average total loans | $5,333,838,250 | 138 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 3,987 |
| Cost of funding earning assets | 0.2485% | 4,957 |
| Net interest margin | 3.5726% | 3,197 |
| Noninterest income to average assets | 1.0231% | 1,134 |
| Noninterest expense to average assets | 3.0149% | 2,508 |
| Loan and lease loss provision to assets | 0.0059% | 3,983 |
| Net operating income to assets | 0.8546% | 3,112 |
| Return on assets (ROA) | 0.8483% | 3,234 |
| Pretax return on assets | 1.1970% | 2,786 |
| Return on Equity (ROE) | 7.4143% | 3,363 |
| Retained earnings to average equity (ytd only) | 2.9287% | 4,173 |
| Net charge-offs to loans | 0.0116% | 3,505 |
| Credit loss provision to net charge-offs | 65.5738% | 2,530 |
| Earnings coverage of net charge-offs (x) | 135.4951% | 470 |
| Efficiency ratio | 70.4430% | 3,267 |
| Assets per employee ($millions) | 6.6720% | 974 |
| Cash dividends to net income (ytd only)* | 60.4998% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 4,822 |
| Loan loss allowance to noncurrent loans | 210.0248% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 4,183 |
| Noncurrent loans to loans | 0.4809% | 4,030 |
| Net loans and leases to total assets | 74.9467% | 1,511 |
| Net loans and leases to deposits | 89.8994% | 1,609 |
| Net loans and leases to core deposits | 91.7511% | 2,176 |
| Total domestic deposits to total assets | 83.3673% | 3,808 |
| Equity capital to assets | 11.5415% | 2,381 |
| Core capital (leverage) ratio | 9.4437% | 4,349 |
| Tier 1 risk-based capital ratio | 11.7761% | 5,295 |
| Total risk-based capital ratio | 12.8063% | 5,347 |
| Memoranda: | ||
| Average total assets | $6,821,261,670 | 156 |
| Average earning assets | $6,116,454,330 | 157 |
| Average equity | $780,487,000 | 162 |
| Average total loans | $5,275,252,000 | 142 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,819 |
| Cost of funding earning assets | 0.2536% | 4,982 |
| Net interest margin | 3.5976% | 3,013 |
| Noninterest income to average assets | 0.9445% | 1,250 |
| Noninterest expense to average assets | 3.3011% | 1,717 |
| Loan and lease loss provision to assets | -0.0301% | 6,130 |
| Net operating income to assets | 0.6325% | 4,133 |
| Return on assets (ROA) | 0.6326% | 4,252 |
| Pretax return on assets | 0.8885% | 3,933 |
| Return on Equity (ROE) | 5.5548% | 4,254 |
| Retained earnings to average equity (ytd only) | 1.1931% | 5,011 |
| Net charge-offs to loans | 0.0066% | 3,101 |
| Credit loss provision to net charge-offs | -588.2353% | 4,854 |
| Earnings coverage of net charge-offs (x) | 167.4941% | 328 |
| Efficiency ratio | 78.4968% | 2,116 |
| Assets per employee ($millions) | 6.6284% | 1,009 |
| Cash dividends to net income (ytd only)* | 78.5211% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,967 |
| Loan loss allowance to noncurrent loans | 179.6803% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 3,731 |
| Noncurrent loans to loans | 0.5616% | 3,902 |
| Net loans and leases to total assets | 77.4331% | 1,007 |
| Net loans and leases to deposits | 93.7539% | 1,007 |
| Net loans and leases to core deposits | 95.8202% | 1,631 |
| Total domestic deposits to total assets | 82.5919% | 4,306 |
| Equity capital to assets | 11.9034% | 2,101 |
| Core capital (leverage) ratio | 9.8129% | 3,870 |
| Tier 1 risk-based capital ratio | 11.7154% | 5,429 |
| Total risk-based capital ratio | 12.7504% | 5,472 |
| Memoranda: | ||
| Average total assets | $6,635,660,000 | 158 |
| Average earning assets | $5,929,648,500 | 157 |
| Average equity | $755,671,000 | 162 |
| Average total loans | $5,190,123,000 | 141 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,130 |
| Cost of funding earning assets | 0.2886% | 4,914 |
| Net interest margin | 3.6077% | 3,388 |
| Noninterest income to average assets | 1.0872% | 1,026 |
| Noninterest expense to average assets | 2.7581% | 3,647 |
| Loan and lease loss provision to assets | 0.1655% | 1,584 |
| Net operating income to assets | 0.9947% | 2,411 |
| Return on assets (ROA) | 0.9969% | 2,475 |
| Pretax return on assets | 1.3977% | 1,896 |
| Return on Equity (ROE) | 9.2707% | 2,458 |
| Retained earnings to average equity (ytd only) | 3.3355% | 3,850 |
| Net charge-offs to loans | 0.1752% | 2,272 |
| Credit loss provision to net charge-offs | 121.7865% | 1,972 |
| Earnings coverage of net charge-offs (x) | 11.4810% | 2,482 |
| Efficiency ratio | 63.0254% | 4,754 |
| Assets per employee ($millions) | 6.4945% | 1,051 |
| Cash dividends to net income (ytd only)* | 64.0213% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 4,505 |
| Loan loss allowance to noncurrent loans | 200.2835% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 3,756 |
| Noncurrent loans to loans | 0.5527% | 4,006 |
| Net loans and leases to total assets | 77.3426% | 1,093 |
| Net loans and leases to deposits | 93.2963% | 1,151 |
| Net loans and leases to core deposits | 95.2839% | 1,780 |
| Total domestic deposits to total assets | 82.8999% | 4,116 |
| Equity capital to assets | 10.8288% | 3,086 |
| Core capital (leverage) ratio | 8.4398% | 5,624 |
| Tier 1 risk-based capital ratio | 10.3987% | 6,141 |
| Total risk-based capital ratio | 11.9783% | 5,954 |
| Memoranda: | ||
| Average total assets | $6,285,761,800 | 160 |
| Average earning assets | $5,629,723,600 | 160 |
| Average equity | $675,916,200 | 167 |
| Average total loans | $4,876,165,200 | 143 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 4,239 |
| Cost of funding earning assets | 0.2952% | 4,925 |
| Net interest margin | 3.5847% | 3,491 |
| Noninterest income to average assets | 1.0839% | 1,036 |
| Noninterest expense to average assets | 2.7435% | 3,654 |
| Loan and lease loss provision to assets | 0.1841% | 1,328 |
| Net operating income to assets | 0.9748% | 2,572 |
| Return on assets (ROA) | 0.9769% | 2,629 |
| Pretax return on assets | 1.3725% | 2,110 |
| Return on Equity (ROE) | 9.1007% | 2,624 |
| Retained earnings to average equity (ytd only) | 3.4877% | 4,150 |
| Net charge-offs to loans | 0.1893% | 1,949 |
| Credit loss provision to net charge-offs | 125.6425% | 1,828 |
| Earnings coverage of net charge-offs (x) | 10.6020% | 2,526 |
| Efficiency ratio | 62.9850% | 4,727 |
| Assets per employee ($millions) | 6.5687% | 988 |
| Cash dividends to net income (ytd only)* | 61.6764% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 4,705 |
| Loan loss allowance to noncurrent loans | 210.5777% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 4,033 |
| Noncurrent loans to loans | 0.5266% | 4,355 |
| Net loans and leases to total assets | 76.8306% | 1,121 |
| Net loans and leases to deposits | 92.1142% | 1,215 |
| Net loans and leases to core deposits | 94.2121% | 1,839 |
| Total domestic deposits to total assets | 83.4079% | 3,993 |
| Equity capital to assets | 10.7090% | 3,285 |
| Core capital (leverage) ratio | 8.4683% | 5,685 |
| Tier 1 risk-based capital ratio | 10.4094% | 6,235 |
| Total risk-based capital ratio | 12.1284% | 6,004 |
| Memoranda: | ||
| Average total assets | $6,266,059,750 | 160 |
| Average earning assets | $5,616,794,500 | 160 |
| Average equity | $672,594,000 | 168 |
| Average total loans | $4,850,801,250 | 142 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 4,155 |
| Cost of funding earning assets | 0.3098% | 4,882 |
| Net interest margin | 3.5853% | 3,425 |
| Noninterest income to average assets | 1.0919% | 998 |
| Noninterest expense to average assets | 2.7541% | 3,686 |
| Loan and lease loss provision to assets | 0.2169% | 1,083 |
| Net operating income to assets | 0.9475% | 2,560 |
| Return on assets (ROA) | 0.9491% | 2,649 |
| Pretax return on assets | 1.3288% | 2,153 |
| Return on Equity (ROE) | 8.8354% | 2,675 |
| Retained earnings to average equity (ytd only) | 3.8931% | 3,702 |
| Net charge-offs to loans | 0.2265% | 1,683 |
| Credit loss provision to net charge-offs | 123.8217% | 1,680 |
| Earnings coverage of net charge-offs (x) | 8.8118% | 2,440 |
| Efficiency ratio | 63.2188% | 4,814 |
| Assets per employee ($millions) | 6.2739% | 1,126 |
| Cash dividends to net income (ytd only)* | 55.9376% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 4,851 |
| Loan loss allowance to noncurrent loans | 199.0293% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 4,108 |
| Noncurrent loans to loans | 0.5590% | 4,344 |
| Net loans and leases to total assets | 76.3412% | 1,123 |
| Net loans and leases to deposits | 91.1871% | 1,252 |
| Net loans and leases to core deposits | 93.4881% | 1,818 |
| Total domestic deposits to total assets | 83.7192% | 4,028 |
| Equity capital to assets | 10.6995% | 3,197 |
| Core capital (leverage) ratio | 8.4381% | 5,705 |
| Tier 1 risk-based capital ratio | 10.4216% | 6,271 |
| Total risk-based capital ratio | 12.1533% | 6,037 |
| Memoranda: | ||
| Average total assets | $6,226,501,000 | 162 |
| Average earning assets | $5,567,117,670 | 159 |
| Average equity | $668,878,000 | 168 |
| Average total loans | $4,814,256,670 | 142 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 4,101 |
| Cost of funding earning assets | 0.3184% | 4,882 |
| Net interest margin | 3.5771% | 3,352 |
| Noninterest income to average assets | 1.1188% | 890 |
| Noninterest expense to average assets | 2.7412% | 3,793 |
| Loan and lease loss provision to assets | 0.2921% | 671 |
| Net operating income to assets | 0.9280% | 2,511 |
| Return on assets (ROA) | 0.9323% | 2,565 |
| Pretax return on assets | 1.2794% | 2,179 |
| Return on Equity (ROE) | 8.6606% | 2,615 |
| Retained earnings to average equity (ytd only) | 3.6833% | 3,924 |
| Net charge-offs to loans | 0.3448% | 1,034 |
| Credit loss provision to net charge-offs | 109.4844% | 1,545 |
| Earnings coverage of net charge-offs (x) | 5.8682% | 2,320 |
| Efficiency ratio | 62.7744% | 5,024 |
| Assets per employee ($millions) | 6.3931% | 1,063 |
| Cash dividends to net income (ytd only)* | 57.4709% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,057 |
| Loan loss allowance to noncurrent loans | 148.2939% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 3,890 |
| Noncurrent loans to loans | 0.7512% | 3,989 |
| Net loans and leases to total assets | 76.4492% | 947 |
| Net loans and leases to deposits | 92.8111% | 892 |
| Net loans and leases to core deposits | 95.0711% | 1,462 |
| Total domestic deposits to total assets | 82.3708% | 4,827 |
| Equity capital to assets | 10.7315% | 3,002 |
| Core capital (leverage) ratio | 8.4490% | 5,702 |
| Tier 1 risk-based capital ratio | 10.5803% | 6,310 |
| Total risk-based capital ratio | 12.3466% | 6,067 |
| Memoranda: | ||
| Average total assets | $6,165,138,000 | 165 |
| Average earning assets | $5,494,386,000 | 162 |
| Average equity | $663,648,500 | 170 |
| Average total loans | $4,770,579,000 | 143 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 4,136 |
| Cost of funding earning assets | 0.3678% | 4,979 |
| Net interest margin | 3.6157% | 3,393 |
| Noninterest income to average assets | 1.1278% | 1,103 |
| Noninterest expense to average assets | 2.9794% | 3,114 |
| Loan and lease loss provision to assets | 0.1738% | 2,127 |
| Net operating income to assets | 0.8994% | 2,785 |
| Return on assets (ROA) | 0.9023% | 2,848 |
| Pretax return on assets | 1.2061% | 2,549 |
| Return on Equity (ROE) | 8.5828% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.6162% | 3,650 |
| Net charge-offs to loans | 0.1916% | 2,934 |
| Credit loss provision to net charge-offs | 115.9750% | 2,078 |
| Earnings coverage of net charge-offs (x) | 9.1802% | 2,544 |
| Efficiency ratio | 67.5881% | 4,275 |
| Assets per employee ($millions) | 6.2026% | 1,144 |
| Cash dividends to net income (ytd only)* | 57.8668% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,021 |
| Loan loss allowance to noncurrent loans | 153.9589% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 4,107 |
| Noncurrent loans to loans | 0.7315% | 4,130 |
| Net loans and leases to total assets | 76.5785% | 997 |
| Net loans and leases to deposits | 93.3511% | 927 |
| Net loans and leases to core deposits | 95.7581% | 1,471 |
| Total domestic deposits to total assets | 82.0328% | 4,862 |
| Equity capital to assets | 10.7982% | 2,817 |
| Core capital (leverage) ratio | 8.5147% | 5,657 |
| Tier 1 risk-based capital ratio | 10.6274% | 6,321 |
| Total risk-based capital ratio | 12.4220% | 6,042 |
| Memoranda: | ||
| Average total assets | $5,867,472,800 | 165 |
| Average earning assets | $5,237,794,600 | 162 |
| Average equity | $616,861,000 | 170 |
| Average total loans | $4,589,478,000 | 141 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 4,183 |
| Cost of funding earning assets | 0.3755% | 5,045 |
| Net interest margin | 3.6104% | 3,399 |
| Noninterest income to average assets | 1.1495% | 1,108 |
| Noninterest expense to average assets | 2.9194% | 3,238 |
| Loan and lease loss provision to assets | 0.1618% | 2,233 |
| Net operating income to assets | 0.9562% | 2,554 |
| Return on assets (ROA) | 0.9561% | 2,660 |
| Pretax return on assets | 1.2941% | 2,353 |
| Return on Equity (ROE) | 9.1596% | 2,565 |
| Retained earnings to average equity (ytd only) | 4.0242% | 3,829 |
| Net charge-offs to loans | 0.1558% | 2,989 |
| Credit loss provision to net charge-offs | 132.4690% | 1,781 |
| Earnings coverage of net charge-offs (x) | 11.9185% | 2,188 |
| Efficiency ratio | 65.9128% | 4,503 |
| Assets per employee ($millions) | 6.1044% | 1,171 |
| Cash dividends to net income (ytd only)* | 56.0656% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,000 |
| Loan loss allowance to noncurrent loans | 141.8974% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 4,050 |
| Noncurrent loans to loans | 0.8266% | 4,183 |
| Net loans and leases to total assets | 76.5320% | 933 |
| Net loans and leases to deposits | 94.4429% | 805 |
| Net loans and leases to core deposits | 96.8348% | 1,329 |
| Total domestic deposits to total assets | 81.0352% | 5,204 |
| Equity capital to assets | 10.4282% | 3,364 |
| Core capital (leverage) ratio | 8.3617% | 5,898 |
| Tier 1 risk-based capital ratio | 10.4788% | 6,459 |
| Total risk-based capital ratio | 12.3442% | 6,203 |
| Memoranda: | ||
| Average total assets | $5,808,499,000 | 166 |
| Average earning assets | $5,189,842,250 | 158 |
| Average equity | $606,312,250 | 170 |
| Average total loans | $4,555,070,250 | 140 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 4,105 |
| Cost of funding earning assets | 0.3782% | 5,159 |
| Net interest margin | 3.6230% | 3,271 |
| Noninterest income to average assets | 1.1147% | 1,222 |
| Noninterest expense to average assets | 2.9798% | 3,060 |
| Loan and lease loss provision to assets | 0.1523% | 2,419 |
| Net operating income to assets | 0.9110% | 2,741 |
| Return on assets (ROA) | 0.9109% | 2,873 |
| Pretax return on assets | 1.2263% | 2,572 |
| Return on Equity (ROE) | 8.7234% | 2,749 |
| Retained earnings to average equity (ytd only) | 3.6756% | 3,972 |
| Net charge-offs to loans | 0.1432% | 2,952 |
| Credit loss provision to net charge-offs | 135.0522% | 1,676 |
| Earnings coverage of net charge-offs (x) | 12.2277% | 1,993 |
| Efficiency ratio | 67.5502% | 4,255 |
| Assets per employee ($millions) | 5.9858% | 1,207 |
| Cash dividends to net income (ytd only)* | 57.8647% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 5,191 |
| Loan loss allowance to noncurrent loans | 145.4506% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 4,190 |
| Noncurrent loans to loans | 0.7983% | 4,316 |
| Net loans and leases to total assets | 77.0320% | 865 |
| Net loans and leases to deposits | 96.0754% | 665 |
| Net loans and leases to core deposits | 98.9316% | 1,147 |
| Total domestic deposits to total assets | 80.1787% | 5,568 |
| Equity capital to assets | 10.3677% | 3,470 |
| Core capital (leverage) ratio | 8.3464% | 5,829 |
| Tier 1 risk-based capital ratio | 10.3618% | 6,551 |
| Total risk-based capital ratio | 12.2268% | 6,315 |
| Memoranda: | ||
| Average total assets | $5,779,042,000 | 163 |
| Average earning assets | $5,174,177,670 | 158 |
| Average equity | $603,437,670 | 169 |
| Average total loans | $4,551,242,000 | 139 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 4,128 |
| Cost of funding earning assets | 0.3846% | 5,243 |
| Net interest margin | 3.6118% | 3,211 |
| Noninterest income to average assets | 1.0596% | 1,327 |
| Noninterest expense to average assets | 2.9941% | 3,013 |
| Loan and lease loss provision to assets | 0.0906% | 3,151 |
| Net operating income to assets | 0.9122% | 2,596 |
| Return on assets (ROA) | 0.9117% | 2,745 |
| Pretax return on assets | 1.2099% | 2,533 |
| Return on Equity (ROE) | 8.7001% | 2,629 |
| Retained earnings to average equity (ytd only) | 3.9309% | 3,875 |
| Net charge-offs to loans | 0.1081% | 2,791 |
| Credit loss provision to net charge-offs | 105.8632% | 1,745 |
| Earnings coverage of net charge-offs (x) | 15.2068% | 1,413 |
| Efficiency ratio | 68.8748% | 4,167 |
| Assets per employee ($millions) | 5.9309% | 1,306 |
| Cash dividends to net income (ytd only)* | 54.8178% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,421 |
| Loan loss allowance to noncurrent loans | 155.2538% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 4,323 |
| Noncurrent loans to loans | 0.7390% | 4,654 |
| Net loans and leases to total assets | 78.1405% | 596 |
| Net loans and leases to deposits | 97.8502% | 450 |
| Net loans and leases to core deposits | 101.8026% | 836 |
| Total domestic deposits to total assets | 79.8573% | 5,785 |
| Equity capital to assets | 10.5669% | 3,467 |
| Core capital (leverage) ratio | 8.3493% | 5,760 |
| Tier 1 risk-based capital ratio | 10.3727% | 6,615 |
| Total risk-based capital ratio | 12.2426% | 6,383 |
| Memoranda: | ||
| Average total assets | $5,741,530,000 | 166 |
| Average earning assets | $5,143,314,500 | 161 |
| Average equity | $601,691,500 | 173 |
| Average total loans | $4,545,622,500 | 142 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 4,406 |
| Cost of funding earning assets | 0.4212% | 5,778 |
| Net interest margin | 3.8260% | 3,123 |
| Noninterest income to average assets | 1.1672% | 1,151 |
| Noninterest expense to average assets | 3.0844% | 2,976 |
| Loan and lease loss provision to assets | 0.3466% | 1,933 |
| Net operating income to assets | 0.8555% | 3,015 |
| Return on assets (ROA) | 0.8573% | 3,255 |
| Pretax return on assets | 1.1703% | 2,905 |
| Return on Equity (ROE) | 8.3381% | 2,940 |
| Retained earnings to average equity (ytd only) | 2.9870% | 4,128 |
| Net charge-offs to loans | 0.3554% | 2,852 |
| Credit loss provision to net charge-offs | 124.6789% | 2,274 |
| Earnings coverage of net charge-offs (x) | 5.4482% | 3,034 |
| Efficiency ratio | 65.4593% | 4,608 |
| Assets per employee ($millions) | 5.7713% | 1,446 |
| Cash dividends to net income (ytd only)* | 64.1762% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,412 |
| Loan loss allowance to noncurrent loans | 178.5532% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 4,630 |
| Noncurrent loans to loans | 0.6356% | 4,930 |
| Net loans and leases to total assets | 78.3937% | 625 |
| Net loans and leases to deposits | 98.8834% | 463 |
| Net loans and leases to core deposits | 102.0283% | 888 |
| Total domestic deposits to total assets | 79.2789% | 5,828 |
| Equity capital to assets | 10.3929% | 3,650 |
| Core capital (leverage) ratio | 8.5197% | 5,583 |
| Tier 1 risk-based capital ratio | 10.2089% | 6,648 |
| Total risk-based capital ratio | 12.0731% | 6,391 |
| Memoranda: | ||
| Average total assets | $5,209,857,600 | 169 |
| Average earning assets | $4,672,749,800 | 167 |
| Average equity | $535,648,800 | 184 |
| Average total loans | $4,075,093,400 | 149 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 4,595 |
| Cost of funding earning assets | 0.4314% | 5,927 |
| Net interest margin | 3.8329% | 3,190 |
| Noninterest income to average assets | 1.1949% | 1,061 |
| Noninterest expense to average assets | 3.0429% | 3,082 |
| Loan and lease loss provision to assets | 0.3603% | 1,802 |
| Net operating income to assets | 0.9075% | 2,949 |
| Return on assets (ROA) | 0.9061% | 3,189 |
| Pretax return on assets | 1.2326% | 2,857 |
| Return on Equity (ROE) | 8.8400% | 2,881 |
| Retained earnings to average equity (ytd only) | 3.2410% | 4,590 |
| Net charge-offs to loans | 0.4123% | 2,442 |
| Credit loss provision to net charge-offs | 112.1604% | 2,609 |
| Earnings coverage of net charge-offs (x) | 4.9646% | 3,149 |
| Efficiency ratio | 63.6889% | 4,855 |
| Assets per employee ($millions) | 5.7676% | 1,405 |
| Cash dividends to net income (ytd only)* | 63.3373% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 5,225 |
| Loan loss allowance to noncurrent loans | 160.6316% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 4,721 |
| Noncurrent loans to loans | 0.7556% | 4,905 |
| Net loans and leases to total assets | 77.9102% | 744 |
| Net loans and leases to deposits | 97.4573% | 574 |
| Net loans and leases to core deposits | 100.7462% | 1,068 |
| Total domestic deposits to total assets | 79.9430% | 5,670 |
| Equity capital to assets | 10.1467% | 4,281 |
| Core capital (leverage) ratio | 8.0970% | 6,233 |
| Tier 1 risk-based capital ratio | 9.9477% | 6,809 |
| Total risk-based capital ratio | 11.9379% | 6,594 |
| Memoranda: | ||
| Average total assets | $5,072,380,250 | 172 |
| Average earning assets | $4,555,879,500 | 170 |
| Average equity | $519,909,000 | 189 |
| Average total loans | $3,952,084,250 | 151 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 4,620 |
| Cost of funding earning assets | 0.4400% | 6,031 |
| Net interest margin | 3.8477% | 3,145 |
| Noninterest income to average assets | 1.1838% | 1,017 |
| Noninterest expense to average assets | 3.0144% | 3,208 |
| Loan and lease loss provision to assets | 0.4015% | 1,633 |
| Net operating income to assets | 0.8846% | 2,980 |
| Return on assets (ROA) | 0.8827% | 3,246 |
| Pretax return on assets | 1.2204% | 2,836 |
| Return on Equity (ROE) | 8.5820% | 2,987 |
| Retained earnings to average equity (ytd only) | 3.1458% | 4,532 |
| Net charge-offs to loans | 0.5102% | 2,054 |
| Credit loss provision to net charge-offs | 101.4362% | 2,681 |
| Earnings coverage of net charge-offs (x) | 4.1039% | 3,174 |
| Efficiency ratio | 64.3134% | 4,834 |
| Assets per employee ($millions) | 5.5146% | 1,611 |
| Cash dividends to net income (ytd only)* | 63.3444% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,314 |
| Loan loss allowance to noncurrent loans | 155.1776% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 4,678 |
| Noncurrent loans to loans | 0.7792% | 4,946 |
| Net loans and leases to total assets | 77.1088% | 831 |
| Net loans and leases to deposits | 96.2041% | 617 |
| Net loans and leases to core deposits | 99.4083% | 1,141 |
| Total domestic deposits to total assets | 80.1512% | 5,704 |
| Equity capital to assets | 10.1643% | 4,105 |
| Core capital (leverage) ratio | 8.1072% | 6,156 |
| Tier 1 risk-based capital ratio | 9.9413% | 6,841 |
| Total risk-based capital ratio | 11.9276% | 6,609 |
| Memoranda: | ||
| Average total assets | $5,030,979,670 | 173 |
| Average earning assets | $4,517,716,000 | 170 |
| Average equity | $517,452,330 | 189 |
| Average total loans | $3,903,307,330 | 149 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 4,673 |
| Cost of funding earning assets | 0.4509% | 6,137 |
| Net interest margin | 3.8661% | 3,073 |
| Noninterest income to average assets | 1.1758% | 1,035 |
| Noninterest expense to average assets | 3.1036% | 2,905 |
| Loan and lease loss provision to assets | 0.1285% | 3,736 |
| Net operating income to assets | 1.0350% | 2,346 |
| Return on assets (ROA) | 1.0383% | 2,522 |
| Pretax return on assets | 1.4205% | 2,121 |
| Return on Equity (ROE) | 10.0346% | 2,395 |
| Retained earnings to average equity (ytd only) | 5.0324% | 3,542 |
| Net charge-offs to loans | 0.1578% | 3,148 |
| Credit loss provision to net charge-offs | 105.2632% | 2,194 |
| Earnings coverage of net charge-offs (x) | 12.6553% | 1,586 |
| Efficiency ratio | 66.0995% | 4,540 |
| Assets per employee ($millions) | 5.4895% | 1,702 |
| Cash dividends to net income (ytd only)* | 49.8492% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 5,305 |
| Loan loss allowance to noncurrent loans | 154.0128% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8093% | 4,923 |
| Noncurrent loans to loans | 0.8064% | 5,061 |
| Net loans and leases to total assets | 77.0351% | 694 |
| Net loans and leases to deposits | 96.6929% | 497 |
| Net loans and leases to core deposits | 99.4154% | 1,020 |
| Total domestic deposits to total assets | 79.6699% | 5,926 |
| Equity capital to assets | 10.4084% | 3,611 |
| Core capital (leverage) ratio | 8.2399% | 5,965 |
| Tier 1 risk-based capital ratio | 10.0780% | 6,857 |
| Total risk-based capital ratio | 12.0980% | 6,590 |
| Memoranda: | ||
| Average total assets | $4,982,190,500 | 172 |
| Average earning assets | $4,474,623,500 | 169 |
| Average equity | $515,537,000 | 189 |
| Average total loans | $3,853,476,000 | 149 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 4,806 |
| Cost of funding earning assets | 0.5785% | 6,195 |
| Net interest margin | 3.9868% | 2,951 |
| Noninterest income to average assets | 1.1079% | 1,080 |
| Noninterest expense to average assets | 3.0929% | 3,222 |
| Loan and lease loss provision to assets | 0.2384% | 3,823 |
| Net operating income to assets | 0.9829% | 2,266 |
| Return on assets (ROA) | 0.9912% | 2,376 |
| Pretax return on assets | 1.3765% | 1,855 |
| Return on Equity (ROE) | 9.5651% | 2,221 |
| Retained earnings to average equity (ytd only) | 5.3724% | 2,393 |
| Net charge-offs to loans | 0.2559% | 4,178 |
| Credit loss provision to net charge-offs | 121.1565% | 2,616 |
| Earnings coverage of net charge-offs (x) | 8.1485% | 2,206 |
| Efficiency ratio | 65.0951% | 4,935 |
| Assets per employee ($millions) | 5.4724% | 1,666 |
| Cash dividends to net income (ytd only)* | 43.8327% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,097 |
| Loan loss allowance to noncurrent loans | 168.3175% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 5,173 |
| Noncurrent loans to loans | 0.7516% | 5,197 |
| Net loans and leases to total assets | 75.7139% | 986 |
| Net loans and leases to deposits | 96.4757% | 653 |
| Net loans and leases to core deposits | 99.2100% | 1,243 |
| Total domestic deposits to total assets | 78.4798% | 6,099 |
| Equity capital to assets | 10.2866% | 3,799 |
| Core capital (leverage) ratio | 8.1221% | 6,112 |
| Tier 1 risk-based capital ratio | 10.1344% | 6,814 |
| Total risk-based capital ratio | 12.1741% | 6,475 |
| Memoranda: | ||
| Average total assets | $4,816,110,000 | 174 |
| Average earning assets | $4,334,771,200 | 171 |
| Average equity | $499,065,200 | 186 |
| Average total loans | $3,703,321,400 | 153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 4,797 |
| Cost of funding earning assets | 0.6029% | 6,275 |
| Net interest margin | 4.0148% | 2,851 |
| Noninterest income to average assets | 1.0971% | 1,108 |
| Noninterest expense to average assets | 3.1188% | 3,093 |
| Loan and lease loss provision to assets | 0.2144% | 3,878 |
| Net operating income to assets | 0.9940% | 2,349 |
| Return on assets (ROA) | 1.0047% | 2,453 |
| Pretax return on assets | 1.3951% | 1,955 |
| Return on Equity (ROE) | 9.6777% | 2,319 |
| Retained earnings to average equity (ytd only) | 5.6649% | 2,763 |
| Net charge-offs to loans | 0.2416% | 3,913 |
| Credit loss provision to net charge-offs | 115.3627% | 2,834 |
| Earnings coverage of net charge-offs (x) | 8.5792% | 2,155 |
| Efficiency ratio | 65.3772% | 4,833 |
| Assets per employee ($millions) | 5.2967% | 1,818 |
| Cash dividends to net income (ytd only)* | 41.4641% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 5,183 |
| Loan loss allowance to noncurrent loans | 179.4845% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 5,318 |
| Noncurrent loans to loans | 0.7034% | 5,473 |
| Net loans and leases to total assets | 75.3904% | 1,076 |
| Net loans and leases to deposits | 96.9747% | 643 |
| Net loans and leases to core deposits | 99.6829% | 1,274 |
| Total domestic deposits to total assets | 77.7423% | 6,239 |
| Equity capital to assets | 10.3148% | 3,935 |
| Core capital (leverage) ratio | 8.1299% | 6,248 |
| Tier 1 risk-based capital ratio | 10.0635% | 6,936 |
| Total risk-based capital ratio | 12.1133% | 6,602 |
| Memoranda: | ||
| Average total assets | $4,776,525,750 | 175 |
| Average earning assets | $4,302,444,000 | 171 |
| Average equity | $495,906,000 | 188 |
| Average total loans | $3,675,499,500 | 152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 4,691 |
| Cost of funding earning assets | 0.6136% | 6,390 |
| Net interest margin | 4.0487% | 2,619 |
| Noninterest income to average assets | 1.1071% | 1,058 |
| Noninterest expense to average assets | 3.1683% | 3,013 |
| Loan and lease loss provision to assets | 0.2401% | 3,511 |
| Net operating income to assets | 0.9682% | 2,360 |
| Return on assets (ROA) | 0.9850% | 2,386 |
| Pretax return on assets | 1.3738% | 1,883 |
| Return on Equity (ROE) | 9.4659% | 2,320 |
| Retained earnings to average equity (ytd only) | 5.4315% | 2,722 |
| Net charge-offs to loans | 0.2902% | 3,425 |
| Credit loss provision to net charge-offs | 107.2075% | 2,873 |
| Earnings coverage of net charge-offs (x) | 7.1034% | 2,271 |
| Efficiency ratio | 65.7410% | 4,924 |
| Assets per employee ($millions) | 5.2104% | 1,861 |
| Cash dividends to net income (ytd only)* | 42.6200% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 5,319 |
| Loan loss allowance to noncurrent loans | 216.4934% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 5,661 |
| Noncurrent loans to loans | 0.5764% | 5,774 |
| Net loans and leases to total assets | 76.0789% | 1,062 |
| Net loans and leases to deposits | 96.7132% | 668 |
| Net loans and leases to core deposits | 99.5641% | 1,383 |
| Total domestic deposits to total assets | 78.6644% | 6,157 |
| Equity capital to assets | 10.3036% | 3,750 |
| Core capital (leverage) ratio | 8.0930% | 6,174 |
| Tier 1 risk-based capital ratio | 9.9025% | 7,007 |
| Total risk-based capital ratio | 11.9575% | 6,692 |
| Memoranda: | ||
| Average total assets | $4,733,782,000 | 178 |
| Average earning assets | $4,269,809,670 | 174 |
| Average equity | $492,569,670 | 193 |
| Average total loans | $3,652,334,000 | 154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 4,530 |
| Cost of funding earning assets | 0.6253% | 6,500 |
| Net interest margin | 4.0736% | 2,372 |
| Noninterest income to average assets | 1.0786% | 1,133 |
| Noninterest expense to average assets | 3.1600% | 3,027 |
| Loan and lease loss provision to assets | 0.1882% | 3,739 |
| Net operating income to assets | 1.0108% | 2,150 |
| Return on assets (ROA) | 1.0085% | 2,208 |
| Pretax return on assets | 1.4047% | 1,715 |
| Return on Equity (ROE) | 9.6435% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.5850% | 2,859 |
| Net charge-offs to loans | 0.2228% | 3,197 |
| Credit loss provision to net charge-offs | 109.3983% | 2,439 |
| Earnings coverage of net charge-offs (x) | 9.2760% | 1,737 |
| Efficiency ratio | 65.5951% | 5,106 |
| Assets per employee ($millions) | 5.1934% | 1,898 |
| Cash dividends to net income (ytd only)* | 42.0852% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 5,252 |
| Loan loss allowance to noncurrent loans | 200.8216% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 5,494 |
| Noncurrent loans to loans | 0.6359% | 5,765 |
| Net loans and leases to total assets | 77.2423% | 838 |
| Net loans and leases to deposits | 99.6451% | 488 |
| Net loans and leases to core deposits | 102.0813% | 1,199 |
| Total domestic deposits to total assets | 77.5174% | 6,443 |
| Equity capital to assets | 10.6030% | 3,077 |
| Core capital (leverage) ratio | 8.0511% | 6,188 |
| Tier 1 risk-based capital ratio | 9.9563% | 7,020 |
| Total risk-based capital ratio | 12.0325% | 6,629 |
| Memoranda: | ||
| Average total assets | $4,675,252,000 | 178 |
| Average earning assets | $4,220,401,500 | 177 |
| Average equity | $488,949,000 | 193 |
| Average total loans | $3,609,949,500 | 157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 4,919 |
| Cost of funding earning assets | 0.8422% | 6,391 |
| Net interest margin | 4.0781% | 2,668 |
| Noninterest income to average assets | 1.1143% | 1,193 |
| Noninterest expense to average assets | 3.1799% | 3,159 |
| Loan and lease loss provision to assets | 0.4020% | 3,703 |
| Net operating income to assets | 0.9134% | 2,335 |
| Return on assets (ROA) | 0.9186% | 2,447 |
| Pretax return on assets | 1.2076% | 2,204 |
| Return on Equity (ROE) | 9.0241% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.0401% | 2,387 |
| Net charge-offs to loans | 0.4270% | 3,915 |
| Credit loss provision to net charge-offs | 126.3803% | 3,206 |
| Earnings coverage of net charge-offs (x) | 5.0389% | 2,725 |
| Efficiency ratio | 65.5494% | 5,055 |
| Assets per employee ($millions) | 5.1169% | 1,988 |
| Cash dividends to net income (ytd only)* | 44.1491% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 5,053 |
| Loan loss allowance to noncurrent loans | 204.0722% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 5,685 |
| Noncurrent loans to loans | 0.6326% | 5,783 |
| Net loans and leases to total assets | 75.2147% | 1,431 |
| Net loans and leases to deposits | 96.8748% | 792 |
| Net loans and leases to core deposits | 98.6372% | 1,736 |
| Total domestic deposits to total assets | 77.6412% | 6,375 |
| Equity capital to assets | 10.3152% | 3,374 |
| Core capital (leverage) ratio | 7.8274% | 6,406 |
| Tier 1 risk-based capital ratio | 9.8374% | 7,041 |
| Total risk-based capital ratio | 11.9211% | 6,560 |
| Memoranda: | ||
| Average total assets | $4,640,437,600 | 178 |
| Average earning assets | $4,174,184,000 | 177 |
| Average equity | $472,356,400 | 192 |
| Average total loans | $3,456,944,800 | 160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 4,963 |
| Cost of funding earning assets | 0.9003% | 6,388 |
| Net interest margin | 4.0666% | 2,782 |
| Noninterest income to average assets | 1.0319% | 1,365 |
| Noninterest expense to average assets | 3.1341% | 3,171 |
| Loan and lease loss provision to assets | 0.4347% | 3,301 |
| Net operating income to assets | 0.8381% | 2,851 |
| Return on assets (ROA) | 0.8463% | 2,953 |
| Pretax return on assets | 1.1290% | 2,737 |
| Return on Equity (ROE) | 8.3423% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.3331% | 3,447 |
| Net charge-offs to loans | 0.4602% | 3,451 |
| Credit loss provision to net charge-offs | 127.5588% | 3,194 |
| Earnings coverage of net charge-offs (x) | 4.5562% | 3,000 |
| Efficiency ratio | 65.8814% | 4,888 |
| Assets per employee ($millions) | 5.0181% | 2,155 |
| Cash dividends to net income (ytd only)* | 48.0583% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,797 |
| Loan loss allowance to noncurrent loans | 187.6939% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 5,654 |
| Noncurrent loans to loans | 0.7088% | 5,792 |
| Net loans and leases to total assets | 71.8032% | 2,296 |
| Net loans and leases to deposits | 92.9290% | 1,338 |
| Net loans and leases to core deposits | 95.1472% | 2,365 |
| Total domestic deposits to total assets | 77.2667% | 6,427 |
| Equity capital to assets | 10.0902% | 4,037 |
| Core capital (leverage) ratio | 7.6248% | 6,744 |
| Tier 1 risk-based capital ratio | 9.8530% | 7,136 |
| Total risk-based capital ratio | 11.9638% | 6,603 |
| Memoranda: | ||
| Average total assets | $4,624,946,750 | 177 |
| Average earning assets | $4,156,766,250 | 176 |
| Average equity | $469,180,500 | 191 |
| Average total loans | $3,425,392,500 | 160 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 4,909 |
| Cost of funding earning assets | 0.9200% | 6,501 |
| Net interest margin | 4.0885% | 2,615 |
| Noninterest income to average assets | 1.0300% | 1,281 |
| Noninterest expense to average assets | 3.1739% | 2,995 |
| Loan and lease loss provision to assets | 0.5039% | 2,786 |
| Net operating income to assets | 0.7758% | 3,087 |
| Return on assets (ROA) | 0.7891% | 3,166 |
| Pretax return on assets | 1.0458% | 2,954 |
| Return on Equity (ROE) | 7.7647% | 2,981 |
| Retained earnings to average equity (ytd only) | 3.7436% | 3,716 |
| Net charge-offs to loans | 0.5052% | 3,013 |
| Credit loss provision to net charge-offs | 133.8728% | 3,002 |
| Earnings coverage of net charge-offs (x) | 4.0698% | 3,069 |
| Efficiency ratio | 66.4003% | 4,911 |
| Assets per employee ($millions) | 5.0832% | 2,077 |
| Cash dividends to net income (ytd only)* | 51.7867% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 4,827 |
| Loan loss allowance to noncurrent loans | 194.3319% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 5,818 |
| Noncurrent loans to loans | 0.6765% | 5,896 |
| Net loans and leases to total assets | 71.6056% | 2,514 |
| Net loans and leases to deposits | 91.8308% | 1,562 |
| Net loans and leases to core deposits | 94.7691% | 2,611 |
| Total domestic deposits to total assets | 77.9756% | 6,272 |
| Equity capital to assets | 9.9372% | 4,093 |
| Core capital (leverage) ratio | 7.5171% | 6,812 |
| Tier 1 risk-based capital ratio | 9.5440% | 7,242 |
| Total risk-based capital ratio | 11.6455% | 6,754 |
| Memoranda: | ||
| Average total assets | $4,595,929,000 | 179 |
| Average earning assets | $4,131,951,330 | 175 |
| Average equity | $467,090,000 | 190 |
| Average total loans | $3,424,195,330 | 159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 4,695 |
| Cost of funding earning assets | 0.9596% | 6,541 |
| Net interest margin | 4.1068% | 2,410 |
| Noninterest income to average assets | 0.9952% | 1,322 |
| Noninterest expense to average assets | 3.1348% | 3,121 |
| Loan and lease loss provision to assets | 0.4115% | 2,899 |
| Net operating income to assets | 0.8818% | 2,627 |
| Return on assets (ROA) | 0.8797% | 2,711 |
| Pretax return on assets | 1.1411% | 2,580 |
| Return on Equity (ROE) | 8.5562% | 2,645 |
| Retained earnings to average equity (ytd only) | 4.5238% | 3,440 |
| Net charge-offs to loans | 0.2031% | 3,698 |
| Credit loss provision to net charge-offs | 268.3208% | 1,472 |
| Earnings coverage of net charge-offs (x) | 10.1420% | 1,776 |
| Efficiency ratio | 65.6358% | 5,197 |
| Assets per employee ($millions) | 5.0047% | 2,223 |
| Cash dividends to net income (ytd only)* | 47.1281% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,804 |
| Loan loss allowance to noncurrent loans | 108.9854% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 5,020 |
| Noncurrent loans to loans | 1.2151% | 4,935 |
| Net loans and leases to total assets | 74.0789% | 1,956 |
| Net loans and leases to deposits | 96.4779% | 1,049 |
| Net loans and leases to core deposits | 101.7912% | 1,932 |
| Total domestic deposits to total assets | 76.7833% | 6,601 |
| Equity capital to assets | 10.2674% | 3,510 |
| Core capital (leverage) ratio | 7.7327% | 6,590 |
| Tier 1 risk-based capital ratio | 9.5829% | 7,261 |
| Total risk-based capital ratio | 11.6991% | 6,677 |
| Memoranda: | ||
| Average total assets | $4,520,047,000 | 185 |
| Average earning assets | $4,066,841,000 | 184 |
| Average equity | $464,740,500 | 189 |
| Average total loans | $3,413,840,000 | 164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 6,381 |
| Cost of funding earning assets | 1.1851% | 6,709 |
| Net interest margin | 3.8307% | 3,576 |
| Noninterest income to average assets | 1.2157% | 1,035 |
| Noninterest expense to average assets | 3.3847% | 2,728 |
| Loan and lease loss provision to assets | 0.3804% | 4,505 |
| Net operating income to assets | 0.6884% | 2,983 |
| Return on assets (ROA) | 0.5600% | 3,567 |
| Pretax return on assets | 0.7253% | 3,491 |
| Return on Equity (ROE) | 5.5067% | 3,421 |
| Retained earnings to average equity (ytd only) | 0.4230% | 4,673 |
| Net charge-offs to loans | 0.3555% | 4,450 |
| Credit loss provision to net charge-offs | 144.1820% | 3,313 |
| Earnings coverage of net charge-offs (x) | 4.8229% | 2,801 |
| Efficiency ratio | 71.4806% | 4,353 |
| Assets per employee ($millions) | 4.9403% | 2,293 |
| Cash dividends to net income (ytd only)* | 92.3188% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 5,112 |
| Loan loss allowance to noncurrent loans | 118.2773% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.9080% | 5,278 |
| Noncurrent loans to loans | 1.0507% | 5,218 |
| Net loans and leases to total assets | 75.0428% | 2,014 |
| Net loans and leases to deposits | 99.1451% | 982 |
| Net loans and leases to core deposits | 110.5824% | 2,834 |
| Total domestic deposits to total assets | 75.6899% | 6,741 |
| Equity capital to assets | 10.2963% | 3,411 |
| Core capital (leverage) ratio | 7.5488% | 6,742 |
| Tier 1 risk-based capital ratio | 9.4067% | 7,275 |
| Total risk-based capital ratio | 11.4913% | 6,612 |
| Memoranda: | ||
| Average total assets | $4,556,911,000 | 187 |
| Average earning assets | $4,093,905,400 | 184 |
| Average equity | $463,383,600 | 192 |
| Average total loans | $3,381,669,000 | 172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 6,830 |
| Cost of funding earning assets | 1.2076% | 6,866 |
| Net interest margin | 3.7156% | 4,006 |
| Noninterest income to average assets | 1.1714% | 1,145 |
| Noninterest expense to average assets | 3.3771% | 2,644 |
| Loan and lease loss provision to assets | 0.3763% | 4,069 |
| Net operating income to assets | 0.5885% | 3,641 |
| Return on assets (ROA) | 0.4650% | 4,243 |
| Pretax return on assets | 0.5978% | 4,194 |
| Return on Equity (ROE) | 4.5864% | 4,120 |
| Retained earnings to average equity (ytd only) | -0.8389% | 5,451 |
| Net charge-offs to loans | 0.3399% | 3,941 |
| Credit loss provision to net charge-offs | 150.0756% | 3,195 |
| Earnings coverage of net charge-offs (x) | 4.5167% | 3,113 |
| Efficiency ratio | 73.7139% | 3,917 |
| Assets per employee ($millions) | 4.6389% | 2,649 |
| Cash dividends to net income (ytd only)* | 118.2912% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,024 |
| Loan loss allowance to noncurrent loans | 113.6525% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 5,085 |
| Noncurrent loans to loans | 1.0702% | 5,173 |
| Net loans and leases to total assets | 75.6561% | 2,064 |
| Net loans and leases to deposits | 101.7418% | 944 |
| Net loans and leases to core deposits | 114.0658% | 2,819 |
| Total domestic deposits to total assets | 74.3608% | 6,884 |
| Equity capital to assets | 10.2970% | 3,741 |
| Core capital (leverage) ratio | 7.4264% | 7,052 |
| Tier 1 risk-based capital ratio | 9.2211% | 7,527 |
| Total risk-based capital ratio | 11.2773% | 6,904 |
| Memoranda: | ||
| Average total assets | $4,574,695,000 | 195 |
| Average earning assets | $4,109,959,250 | 192 |
| Average equity | $463,762,250 | 197 |
| Average total loans | $3,374,932,750 | 181 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 7,380 |
| Cost of funding earning assets | 1.2286% | 7,022 |
| Net interest margin | 3.4772% | 4,908 |
| Noninterest income to average assets | 1.3051% | 900 |
| Noninterest expense to average assets | 3.5683% | 2,148 |
| Loan and lease loss provision to assets | 0.3666% | 3,733 |
| Net operating income to assets | 0.3654% | 4,636 |
| Return on assets (ROA) | 0.3557% | 4,774 |
| Pretax return on assets | 0.4757% | 4,698 |
| Return on Equity (ROE) | 3.5268% | 4,700 |
| Retained earnings to average equity (ytd only) | -2.5590% | 5,881 |
| Net charge-offs to loans | 0.3238% | 3,561 |
| Credit loss provision to net charge-offs | 155.3761% | 2,959 |
| Earnings coverage of net charge-offs (x) | 3.6244% | 3,369 |
| Efficiency ratio | 79.6001% | 3,113 |
| Assets per employee ($millions) | 4.6733% | 2,496 |
| Cash dividends to net income (ytd only)* | 172.5569% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 5,037 |
| Loan loss allowance to noncurrent loans | 128.8484% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 5,166 |
| Noncurrent loans to loans | 0.9210% | 5,375 |
| Net loans and leases to total assets | 74.8372% | 2,485 |
| Net loans and leases to deposits | 99.7861% | 1,307 |
| Net loans and leases to core deposits | 112.1300% | 3,122 |
| Total domestic deposits to total assets | 74.9976% | 6,762 |
| Equity capital to assets | 10.0429% | 3,880 |
| Core capital (leverage) ratio | 7.2963% | 7,248 |
| Tier 1 risk-based capital ratio | 9.1208% | 7,630 |
| Total risk-based capital ratio | 11.1422% | 6,975 |
| Memoranda: | ||
| Average total assets | $4,619,771,000 | 195 |
| Average earning assets | $4,142,929,670 | 196 |
| Average equity | $465,972,330 | 200 |
| Average total loans | $3,366,549,000 | 187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 5,887 |
| Cost of funding earning assets | 1.5197% | 6,345 |
| Net interest margin | 3.7813% | 3,531 |
| Noninterest income to average assets | 1.3962% | 722 |
| Noninterest expense to average assets | 3.5360% | 2,015 |
| Loan and lease loss provision to assets | 0.4322% | 2,764 |
| Net operating income to assets | 0.6569% | 3,768 |
| Return on assets (ROA) | 0.7761% | 3,401 |
| Pretax return on assets | 0.9670% | 3,479 |
| Return on Equity (ROE) | 7.6691% | 3,301 |
| Retained earnings to average equity (ytd only) | 0.2285% | 5,571 |
| Net charge-offs to loans | 0.5338% | 2,117 |
| Credit loss provision to net charge-offs | 112.3596% | 3,451 |
| Earnings coverage of net charge-offs (x) | 3.2503% | 3,228 |
| Efficiency ratio | 72.9542% | 4,014 |
| Assets per employee ($millions) | 4.6383% | 2,519 |
| Cash dividends to net income (ytd only)* | 97.0207% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 3,494 |
| Loan loss allowance to noncurrent loans | 131.6004% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 5,079 |
| Noncurrent loans to loans | 1.0645% | 4,852 |
| Net loans and leases to total assets | 69.9693% | 3,676 |
| Net loans and leases to deposits | 96.3480% | 1,894 |
| Net loans and leases to core deposits | 108.2727% | 3,643 |
| Total domestic deposits to total assets | 72.6214% | 7,112 |
| Equity capital to assets | 10.0238% | 3,980 |
| Core capital (leverage) ratio | 7.5331% | 7,118 |
| Tier 1 risk-based capital ratio | 9.8638% | 7,068 |
| Total risk-based capital ratio | 12.1974% | 5,858 |
| Memoranda: | ||
| Average total assets | $3,702,223,500 | 233 |
| Average earning assets | $3,319,095,000 | 232 |
| Average equity | $374,644,500 | 231 |
| Average total loans | $2,667,573,000 | 224 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0220% | 5,444 |
| Cost of funding earning assets | 1.8657% | 6,833 |
| Net interest margin | 4.1563% | 2,477 |
| Noninterest income to average assets | 1.2510% | 943 |
| Noninterest expense to average assets | 3.3820% | 2,726 |
| Loan and lease loss provision to assets | 0.3278% | 3,767 |
| Net operating income to assets | 0.9826% | 2,623 |
| Return on assets (ROA) | 0.8063% | 3,251 |
| Pretax return on assets | 1.0239% | 3,294 |
| Return on Equity (ROE) | 7.7393% | 3,179 |
| Retained earnings to average equity (ytd only) | -2.7712% | 6,048 |
| Net charge-offs to loans | 0.2502% | 3,773 |
| Credit loss provision to net charge-offs | 175.7830% | 2,889 |
| Earnings coverage of net charge-offs (x) | 8.4446% | 2,880 |
| Efficiency ratio | 67.1334% | 4,889 |
| Assets per employee ($millions) | 4.3936% | 2,804 |
| Cash dividends to net income (ytd only)* | 135.8066% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,233 |
| Loan loss allowance to noncurrent loans | 140.9136% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 4,860 |
| Noncurrent loans to loans | 0.9887% | 4,617 |
| Net loans and leases to total assets | 72.1647% | 3,544 |
| Net loans and leases to deposits | 101.5201% | 1,636 |
| Net loans and leases to core deposits | 114.4261% | 3,287 |
| Total domestic deposits to total assets | 71.0842% | 7,147 |
| Equity capital to assets | 10.2187% | 3,782 |
| Core capital (leverage) ratio | 7.5570% | 7,135 |
| Tier 1 risk-based capital ratio | 9.4878% | 7,320 |
| Total risk-based capital ratio | 11.8315% | 6,025 |
| Memoranda: | ||
| Average total assets | $3,321,309,600 | 243 |
| Average earning assets | $2,961,417,000 | 241 |
| Average equity | $346,025,000 | 248 |
| Average total loans | $2,476,033,800 | 231 |